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February 06, 2012

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Accident Terms and Definitions

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.

Commission
That portion of the premium paid to the agent as compensation for his or her services.

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.

Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.

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.

Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.

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

Insurer
The insurance company providing the insurance.

Nonrenewal
The termination of an insurance policy at its normal expiration date.

Cancellation
The termination of an insurance policy before its normal expiration date.

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

Did You Know?

SUV Fatalities And Injuries Have Increased By 43%
Fatalities and injuries in accidents involving SUVs have risen by 43%. Part of this rise in casualties is due to the large increase of SUV vehicles on the road in the past 10 years.

Newsroom

Insurance Commissioner John Garamendi Announces Arrest Of 19 Suspects For Auto Body Insurence Fraud In Butte

Insurance Commissioner John Garamendi Announces Arrest Of 19 Suspects For Auto Body Insurence Fraud In Butte (“Operation Colla...
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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...
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Relate Measures Of Functional Capability To Motor Vehicle Crashes
Associations that are modest at best, typically accounting for well under ten percent of the variability in the criterion measure (crash rates). Th...
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Terms

Today's Terms

Misdemeanor

Definition:
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.

Vehicle ID No. (VIN)

Definition:
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.

Premium Finance Company

Definition:
A lending institution that finances insurance premiums for a fee.

More Terms >

Resources

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Hot Topics

DUI Car Accidents
Aggresive Driving
Catastrophic Injuries
Speeding Accidents

Maryland Car Accident Lawyers

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

Annapolis
Baltimore
Capitol Heights
Catonsville
Columbia
Cumberland
District Heights
Dundalk
Elkton
Ellicott City
Essex
Fort Washington
Gaithersburg
Germantown
Glen Burnie
Gwynn Oak

Hagerstown
Hyattsville
Lanham
Lutherville Timonium
Middle River
Nottingham
Owings Mills
Parkville
Pasadena
Potomac
Rockville
Silver Spring
Sykesville
Temple Hills
Upper Marlboro
Westminster

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

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