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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.
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.
Policy
Written contract of insurance.
Premium Finance Company
A lending institution that finances insurance premiums for a fee.
Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.
Summons
Document or writ directing the sheriff or other officer to notify a person that an action has been commenced against him in court and that he is required to appear, on a certain day, and answer the complaint in such action.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
Producer
A term applied to an agent, solicitor or other person who sells insurance.
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