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Collision
Pays for damage to your car caused by physical contact with another vehicle or with another object, such as a tree, boulder, guardrail, structure, or person.
No-Fault Auto Insurance
Some states are adopting a no fault auto insurance system which requires you to have minimum insurance in the event you're injured. Your insurance company automatically pays for your damages, regardless of who is at fault for the accident.
PT - Physical Therapy
the evaluation, assessment, and treatment of dysfunction caused by injuries to the soft tissue and muscles/skeleton . Treatment shall consist of therapeutic exercises, education and other modalities, such as the therapeutic use of heat, light, water, electricity, massage & more.
Tort
An injury or wrong committed, with or without force, to the person or property of another, which gives rise to a claim for damages.
Affidavit
A written or printed declaration or statement under oath Affirm - The assertion of an appellate court that the judgment of the lower court is correct and should stand.
Burden of proof
Measure of proof required to prove a fact. Obligation of a party to probe facts at issue in the trial of a case.
Impending Skidmarks
Also known as shadow skidmarks are small fragments of rubber, ground or scraped from the tire, at the tire and roadway interface, as the rotating tire slows to a locked position.
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.
Excessive speed & Speeding
Speeding is defined as travelling faster than the posted speed limit, or travelling too fast for the road conditions even at speeds under the posted limit.
Actual Cash Value (ACV)
The value of your property, based on the current cost to replace it minus depreciation.
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