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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.
Reference Point
In angular momentum, the point in space around which the motion of an object is described. The angular momentum of an object is defined in relation to some point, the reference point. The velocity and radius of an object are measured from the reference point.
Burden of proof
Measure of proof required to prove a fact. Obligation of a party to probe facts at issue in the trial of a case.
Velocity
Speed and direction; used to describe a mode of functioning which is efficient and tightly aligned with conscious intention.
Impaired Driving
Can be alcohol or any oher substance that changes judgement while driving. Impaired driving will affect one in three Americans during their lifetimes (NHTSA 2001a).
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.
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.
Arbitration
the hearing and settlement of a dispute between opposing parties by a third party whose decision the parties have agreed to accept.
Years of Potential Life Lost (YPLL)
Calculated based on the following equation: YPLL = Fixed Age - Age at death. Usually the fixed age is 65 or 70, or the life expectancy of the group in question.
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Did You Know?