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Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
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.
Vehicle ID No. (VIN)
This 17 character number is unique to each vehicle. It identifies characteristics of the vehicle, including manufacturer, year, model, body, engine specifications, and serial number.
Commissioner of Insurance
The title of the head of most state insurance departments. In some states, the Director or Superintendent of Insurance is used instead.
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.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
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.
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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