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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.
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.
Adjudication
A judgment or decree Adversary system - Basic U.S. trial system in which each of the opposing parties has opportunity to state his viewpoints before the court. Plaintiff argues for defendant's guilt (criminal) or liability (civil). Defense argues for defendant's innocence (criminal) or against liability civil).
Tire Problems
Under-inflation, the most frequent cause of tire failure, is considered the main culprit in the recent Firestone tire-failure fatalities. Uneven or worn-out tires are the next most serious problem and can also lead to tire failure.
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.
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.
Tripped Rollovers
NHTSA data show that 95% of single-vehicle rollovers are tripped . This happens when a vehicle leaves the roadway and slides sideways, digging its tires into soft soil or striking an object such as a curb or guardrail.
Disregarding traffic controls
Can be going through a red light or stopping at a green light, diregarding special signals in traffic.
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.
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
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