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Impaired Driving
Can be alcohol or any oher substance that changes judgement while driving. Impaired driving will affect one in three Americans during their lifetimes (NHTSA 2001a).
Actual Cash Value (ACV)
The value of your property, based on the current cost to replace it minus depreciation.
Choice no fault
In some state a hybrid no fault system known as " choice no fault " exists. In these states, you may choose to be insured under a strict no-fault plan, in which case you're unable to sue an at fault driver and also can't be sued if you're at fault.
Common law
Law which derives its authority solely from usage and customs of immemorial antiquity or from the judgments and decrees of courts. also called "case law."
Tailgating
Folowing too close to another car, not alowing space for you to brake or car in front to brake. The operation of a motor vehicle in a manner that endangers or is likely to endanger persons or property
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.
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.
Reaction Time
The motorist who is not alert cannot cope with a sudden emergency as quickly as is necessary. An overly relaxed driver requires more time to react to an emergency than does an alert one.
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.
Cause of action
A legal claim. Certificate under penalty of perjury - A written statement, certified by the maker as being under penalty of perjury.
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