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Misdemeanor
Criminal offenses less than felonies; generally those punishable by fine or imprisonment of less than 90 days in a local facility.
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.
Using cell phone
Some state have banned types of cell phone use while driving. This can be very dangerous and my be a cause of an accident.
Injury Rights
Regardless of who is at fault for an automobile accident, your insurance company is responsible for paying your initial medical expenses.
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.
Raised Pavement Markers (R.P.M.)
Non-reflectorized ceramic pavement markers, also known as "Bott's Dotts", are most often used to delineate travel lane lines. Reflectorized RPM's come in many different colors and are used to delineate travel lane lines and outside boundaries.
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.
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.
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.
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