Accident Terms and Definitions

Venue
The specific county, city or geographical area in which a court has jurisdiction

Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.

Gap Insurance
Insurance that pays the difference between the actual cash value of a vehicle and the amount still to be paid on the loan. Some gap policies may also cover the amount of the deductible.

Producer
A term applied to an agent, solicitor or other person who sells insurance.

Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.

Summons
Document or writ directing the sheriff or other officer to notify a person that an action has been commenced against him in court and that he is required to appear, on a certain day, and answer the complaint in such action.

Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.

Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.

Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.

Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.