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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.
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.
Actual Cash Value (ACV)
The value of your property, based on the current cost to replace it minus depreciation.
Failure to signal
There are laws and driving rules that instruct proper turning signals, at time a hand or a light signal is required to be used. A right hand turn may not be permited, or a turn in an intersection may be done incorectly.
Comparative negligence
Negligence of a plaintiff in a civil suit which decreases his recovery by his percentage of negligence compared to a defendant's negligence.
Brake failure
Brake failure can happen. Drum brakes are more commen to fail. Modern dual-circuit brake systems have made total brake failure an unlikely event. If one side of the circuit fails, the other side is usually sufficient to stop a vehicle.
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.
Collision Scrub
Occurs during a traffic collision when the downward and rotating forces cause a smearing of tire material on the road surface.
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.
Frequent or unsafe lane changes
In driver test books there are laws that state what type of passing may be done acording to the yellow lines paited in the road or highway. There are some laws that regulate the distance that a lane change can be made related to an intersection.
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Did You Know?