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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.
Impending Skidmarks
Also known as shadow skidmarks are small fragments of rubber, ground or scraped from the tire, at the tire and roadway interface, as the rotating tire slows to a locked position.
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.
Misdemeanor
Criminal offenses less than felonies; generally those punishable by fine or imprisonment of less than 90 days in a local facility.
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.
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.
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.
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).
Actual Cash Value (ACV)
The value of your property, based on the current cost to replace it minus depreciation.
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