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July 20, 2010

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Accident Terms and Definitions

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

Insured
The person(s) entitled to coverage in case of an accident or loss.

Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.

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

Broker
A person who for payment of a fee procures insurance on your behalf.

Medical Payments Coverage
Covers the medical costs (up to the specified limit you choose) resulting from an auto accident for you, your family, and others in your car. It pays regardless of fault.

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

Salvage
Property taken over by an insurer to reduce its loss.

Subrogation
The process in which an insurance company, after paying a loss to its insured, recovers the amount of the loss for damages (plus the insured's deductible) from the legally liable party.

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.

Contact our Arkansas Accident Lawyers if you have ever experienced a personal injury and think others are at fault for the accident.

Did You Know?

Since 1994, The Annual Truck Accident Fatalities Increased By 13%
The annual rate of truck accident fatalities has increased by 13% since 1994. There has been a significant increase in the amount of trucks on the highways since 1994, rising from about 6.6 million to 7.9 million registered trucks. Collisions with trucks account for one out of every eight fatalities on U.S. roadways.

	Newsroom
	Maryland Man Sentenced To 100 Months In Prison For Fatal High Speed Crash A Lanham, Maryland man has been sentenced to 100 months in prison in connection with a fatal high speed car crash in Northwest Washington, D.C. in ... Read more > 17-Year Old Female Dies After Driver Loses Control Of The Car On Saturday, June 15, at about 11:45 p.m., a single-car accident occurred at the 29-mile marker on H-11, near the park's Hilo entrance. One of the ... Read more > The Respondent Was Suspended In September 1998, a client retained the respondent on a contingent fee basis to represent him in a claim against his own automobile insurance... Read more > More news >

Terms

Today's Terms

Comprehensive Coverage

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

Subpoena

Definition:
Document issued by the authority of the court to compel a witness to appear and give testimony or produce documentary evidence in a proceeding. Failure to appear or produce is punishable by contempt of court.

Towing & Labor Coverage

Definition:
Pays for towing charges when your car can’t be driven. Also pays labor charges, such as changing a flat tire, at the place where your car broke down.

More Terms >

Resources

More Resources >

Hot Topics

DUI Car Accidents
Aggresive Driving
Catastrophic Injuries
Speeding Accidents

Arkansas Car Accident Lawyers

If you live in one of the following cities and have been in an auto accident you should contact an Arkansas Car Accident Lawyers as soon as possible:

Batesville
Benton
Bentonville
Blytheville
Cabot
Camden
Conway
El Dorado
Fayetteville
Forrest City
Fort Smith
Harrison
Hot Springs National P
Jacksonville
Jonesboro

Little Rock
Magnolia
Mountain Home
North Little Rock
Paragould
Pine Bluff
Rogers
Searcy
Sherwood
Springdale
Texarkana
Van Buren
West Memphis
White Hall

Need to find a Car Accident Lawyer Nationwide? Visit CarAccidentAttorneys.com

Legal Disclaimers
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