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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.
Quote
An estimate of the cost of insurance based on information supplied to the insurance company.
Policy
Written contract of insurance.
Broker
A person who for payment of a fee procures insurance on your behalf.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
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.
Nonrenewal
The termination of an insurance policy at its normal expiration date.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Insurer
The insurance company providing the insurance.
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