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Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
Towing & Labor Coverage
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.
Insurer
The insurance company providing the insurance.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Limited Tort
Offers savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses, however you are not able to recover non-monetary damages or receive payments for pain and suffering unless injuries are defined as serious.
Policy
Written contract of insurance.
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.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
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