Accident Terms and Definitions

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.

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.

Linear Momentum
A quantity associated with the motion of an object along a straight path. The linear momentum of an object is defined to be equal to its mass times its velocity.

Tort
An injury or wrong committed, with or without force, to the person or property of another, which gives rise to a claim for damages.

Actual Cash Value (ACV)
The value of your property, based on the current cost to replace it minus depreciation.

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.

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.

Blood alcohol testing
At all levels of blood alcohol concentration, the risk of being involved in a crash is greater for young people than it is for older people (Mayhew 1986). In 2001, 25% of drivers ages 15 to 20 who died in motor vehicle crashes had been drinking alcohol (NHTSA 2002b).

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.

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.