Legal Articles

Property Damage Liability Coverage

Insurance that covers damage to other peoples’ property if the insured is found to be liable for an accident.

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Principal Driver

The main operator of an insured vehicle.

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Primary Use

How a vehicle is primarily used, such as for work, pleasure, etc.

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Policy Term

The time period during which an insurance policy is effective. Also referred to as Policy Period.

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Policy Period

The time period during which an insurance policy is effective. Also referred to as Policy Term.

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Policy Expiration Date

The date on which an insurance policy ends.

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Per Person Limits

The maximum amount an insurance company will pay under a policy to each person injured in an accident.

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Per-Occurrence Limits

A cap on the amount an insurance company pays under a policy for all claims arising from a single accident.

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PORTAL TO PORTAL PAY ACT

a federal law that governs the payment to employees who are on a premises but not yet started to work.

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PRESENCE OF THE TESTATOR

the term when a will is signed with the testator present.

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PRINCIPAL IN FIRST DEGREE

a term that is used to describe the person who commits a criminal act.

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PERSONAL RECOGNIZANCE

a term that is used for a person’s promise to appear in court.

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PAIN AND SUFFERING

a term that is applied for the inability to lead a normal life due to mental and physical suffering.

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PECUNIARY LOSS

1. A loss that can be evaluated in money terms. 2. Money lost by a dependent when a support person dies.

TLD Example: The court’s decision to compensate the wrongfully discharged employee only for her pecuniary loss of a year’s salary did not take into consideration the emotional distress she suffered.

TLD Example 2: His death was both an emotional and pecuniary loss for the children who depended on him for their support.

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PRETRIAL DISCOVERY

the name given to a bill of discovery given to the opposing party before a trial.

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PROCESS IRREGULAR

a writ or court order that has not been issued to conform to laws already established.

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PRORATING TAXES

This the dividing of tax liabilities between a seller and the buyer of a property.

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PECUNIARY LEGACY

The name of a legacy that will be paid in money after property has been converted to cash.

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PARTY TO BE CHARGED

a term that is applied to the person who an accusation is brought against them in court or a person who is forced to fulfill an agreement.

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PLEA IN DISCHARGE

a plea where a plaintiff has the right to sue but where the defendant has already fulfilled all of his obligations to a plaintiff.

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