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Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Private Passenger Automobile
Four-wheeled motor vehicles of the private passenger, station wagon, or van type. Private passenger automobiles are designed for use on public highways and subject to motor vehicle registration.
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.
Replacement Cost
Replacement cost is the cost of replacing lost or damaged property with new property of like kind and quality, at current market prices.
Negligence
The absence of ordinary care.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.
Premium
The money paid for an insurance policy based upon the coverage provided.
Producer
A term applied to an agent, solicitor or other person who sells insurance.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
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