A formal documentation of the scene of an accident made by someone with authority to do so, like a police officer or first responder.
A natural event causing damage that could not have been prevented by human intervention, such as a flood, earthquake, or severe storm.
The value of property determined by subtracting depreciation from replacement cost.
Means of settling a case other than litigation.
A petition for a higher court to review a decision or denial and consider overturning it.
The settlement of a legal dispute between defendant and plaintiff by a neutral, third-party instead of pursuing formal litigation. The third party is usually an off-duty judge or other attorney. Both parties sign a contract agreeing that the third party’s decision in the matter will be final.
A transfer of insurance benefits to someone other than the policyholder with the written consent of the insured.
A law stating that everything discussed between an attorney and his or her client is private and cannot be forcibly disclosed to anyone else.