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Mortgageholders clause

A standard property policy provision that creates elements of a separate contract between a mortgage company and an insurance company. Any loss to building or structures will be paid to the mortgage company and insured jointly and any act of the insured voiding coverage will not affect the mortgage holder without it first being given an opportunity to comply with the insurer’s needs.

Motion for summary judgment

A motion filed by defendants that seeks a judgment in favor of the defendants based upon undisputed facts in the lawsuit. Motions for summary judgment are typically filed after the close of fact discovery. Because plaintiffs frequently can identify material facts that are in dispute, courts infrequently grant motions for summary judgment.

Motion to dismiss

A motion filed by defendants in a lawsuit that seeks dismissal of the lawsuit because the allegations in the complaint, even if true, would not support a claim upon which relief may be granted. A motion to dismiss is filed shortly after the lawsuit commences and the court looks only at the allegations in the complaint, not extraneous facts, to determine if a proper cause of action has been stated.

Motor

Any mechanically or electrically powered device (except one moved by human power) not operating on rails, upon which or by which any person or property may be transported on land. The load on a motor vehicle or trailer attached to it is considered part of the vehicle. Tractors and motorized machinery are included while being self-propelled in transit or used for transpiration; also included are motor scooters and motorized bicycles.

Motor accessories

Additional items on or in the vehicle. The own damage’ section of a comprehensive car policy covers accessories while in or on the car or in the insured’s private garage. In the case of goods-carrying vehicles the accessories have to be on the vehicle.