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Assigned Risk

person whose official driving record is so poor that they cannot purchase commercial auto insurance and must be assigned to a state operate or a designated insurance program at high rates

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An official direct and verbatim written record of what was said, as in a court of law or other judicial proceedings.

contributory negligence
the negligence of a person which, while not being the primary cause of a tort, nevertheless combined with the act or omission of the primary defendant to cause the tort, and without which the tort would not have occurred
to intentionally cause another to fear harm by some type of verbal or physical means