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Subpoena
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.
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.
Limits
The maximum amount of benefits the insurance company agrees to pay in the event of a loss.
Premium Finance Company
A lending institution that finances insurance premiums for a fee.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
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.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Nonrenewal
The termination of an insurance policy at its normal expiration date.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
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