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Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Total Loss
An insurance company declares a vehicle a total loss when a claim exceeds the full value of the vehicle. Insurance companies typically take possession and obtain the title of such vehicles.
Insured
The person(s) entitled to coverage in case of an accident or loss.
Premium
The money paid for an insurance policy based upon the coverage provided.
Venue
The specific county, city or geographical area in which a court has jurisdiction
Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
Broker
A person who for payment of a fee procures insurance on your behalf.
Misdemeanor
Criminal offenses less than felonies; generally those punishable by fine or imprisonment of less than 90 days in a local facility. A gross misdemeanor is a criminal offense for which an adult could be sent to jail for up to one year, pay a fine up to $5,000 or both.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
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