Accident – the event giving rise to a personal injury claim, involving a wrongdoer and an injured party.
Insurance Policy – a contract between an insurer and a policyholder, which decides which claims the insurer is obligated to pay and the conditions that the policyholder must meet in order to receive the payment.
Police Report – the document prepared by law enforcement authorities following an accident investigation; it is important evidence in a personal injury case.
Respondeat Superior – a legal theory holding the employer responsible for an employee’s actions performed in the course of employment; an example where this doctrine may apply is a truck driver who causes a collision and injures someone while making a delivery.
Settlement – a final agreement that ends the case; the injured party agrees not to pursue his or her claim for damages any further in exchange for compensation for the injuries suffered.
Settlement Demand – a formal attempt to resolve a personal injury case by agreement; the document where the injured person presents a damages claim to the accountable insurance company in hope of receiving compensation for his or her injuries without litigation.
Tortfeasor – the person or entity at fault in a civil case, such as personal injury litigation.
UIM Coverage – underinsured/uninsured motorist insurance policy, which allows the injured person to bring a damages claim against his or her own insurance company.