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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.
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.
Elderly & Older Drivers
Drivers typically 65 or 70 years old, most states require renewal applicants to appear in person and to pass a vision test.
Blood alcohol testing
At all levels of blood alcohol concentration, the risk of being involved in a crash is greater for young people than it is for older people (Mayhew 1986). In 2001, 25% of drivers ages 15 to 20 who died in motor vehicle crashes had been drinking alcohol (NHTSA 2002b).
Risk assessment
The determination of the probability of failure of a component or system.
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.
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."
Advanced Frontal Airbags
Advanced frontal air bags are designed to meet the needs of the occupant in a variety of specific crash situations. Depending on design, advanced frontal air bag systems automatically determine if and with what level of power the driver frontal air bag and the passenger frontal air bag will inflate.
Omnibus hearing
A pretrial hearing normally scheduled at the same time the trial date is established. Purpose of the hearing is to ensure each party receives (or "discovers") vital information concerning the case held by the other.
Accident
What auto insurance is designed to cover. Accidents may be considered either at fault or not at fault. If you have at fault accidents on your driving record, your rates will be higher.
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