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Junk Title
A Junk Title is issued on a vehicle damaged to the extent that the cost of repairing the vehicle for safe operation exceeds its fair market value; or a vehicle that has been declared a total loss by an insurer or other state or jurisdiction.
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.
Venue
The specific county, city or geographical area in which a court has jurisdiction
Premium Finance Company
A lending institution that finances insurance premiums for a fee.
Broker
A person who for payment of a fee procures insurance on your behalf.
Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
Negligence
The absence of ordinary care.
Salvage
Property taken over by an insurer to reduce its loss.
Limited Tort
Offers savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses, however you are not able to recover non-monetary damages or receive payments for pain and suffering unless injuries are defined as serious.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
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