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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.
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
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.
Premium Finance Company
A lending institution that finances insurance premiums for a fee.
Broker
A person who for payment of a fee procures insurance on your behalf.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
Negligence
The absence of ordinary care.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
Insurer
The insurance company providing the insurance.
Premium
The money paid for an insurance policy based upon the coverage provided.
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