Accident Terms and Definitions

Arbitration
the hearing and settlement of a dispute between opposing parties by a third party whose decision the parties have agreed to accept.

Aggressive Drivers (road rage)
Can be describes as: aggressive tailgating,Lights flashed at them because the other motorist was annoyed, aggressive or rude gestures,deliberate obstruction -- preventing them from moving their vehicle,verbal abuse,physical assault and other actions.

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.

PT - Physical Therapy
the evaluation, assessment, and treatment of dysfunction caused by injuries to the soft tissue and muscles/skeleton . Treatment shall consist of therapeutic exercises, education and other modalities, such as the therapeutic use of heat, light, water, electricity, massage & more.

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.

Momentum
The mass of an object multiplied by its velocity. It is a vectored quantity with both magnitude and direction.

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.

Pedestrian Manifestations
Those items of evidence deposited at the collision scene by the pedestrian during or following impact.

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.