Insurance DiscountsSome of our discounts are:
|
Glossary
Bodily Injury and Property Damage Liability -This pays for bodily injuries to other people or damage to their property, if you are liable. It also pays whether your car is driven by you, a qualified family member, or another driver*, using your car with your permission. In most cases, you are even covered in a car you borrow or rent temporarily. *Limited to the financial responsibility maximum in some states. You select the monetary limits of your own policy. Personal Injury Protection or Medical Payments -Personal Injury Protection (PIP) pays up to the policy limit for medical bills, lost income, household services replacement costs and funeral bills resulting form an automobile accident. This covers you, your family, anyone riding in your car and anyone driving your car with your permission.) Mandatory unless rejected in writing.) Medical Payments Coverage pays doctor, hospital and surgical bills, up to the per person limit you select, for you or anyone riding in your covered auto. If you do not face a threat of income loss, you may want Medical Payments Coverage instead of Personal Injury Protection. Personal Injury Protection and Medical also cover you and qualified members of your family while in non-owned cars and if hit by a motor vehicle while walking or riding a bicycle. The minimum limit if $2,500, with higher limits available for a small additional charge. Uninsured and Underinsured Motorists -This coverage pays up to the limit you select for damage to your property, bodily injury to you, qualified family members and any other person occupying your covered auto, caused by an uninsured motorists or a hit-run driver, if that driver is liable. There is a $250 deductible on property damage coverage. Our policy will also pay for bodily injuries caused by a motorist whose insurance is not adequate to pay for the injuries if that driver is liable. Like your uninsured motorists coverage, it covers you, qualified family members and any other person occupying your auto. You’ll be paid up to the limit you select, less the amount paid by the other party. (Mandatory unless rejected in writing, either in its entirety or Property Damage only.) Collision -This covers accidental damage to your car by collision with any object. Damage Other Than Collision -This coverage pays for damage to your car caused by events other than collision, including fire, vandalism, windstorm, sandstorm, falling objects, animals, water or flood and theft. Towing and Labor Costs (Optional) -This pays for reasonable towing and labor charges if your car breaks down. The labor must be performed at the place where the car becomes disabled. Available options include coverage up to $40, $80, or $120. Rental Reimbursement (Optional) -This coverage pays up to $35 a day, up to $600 limit, for auto rental charges while your car is being repaired for damage caused by an insured loss, except theft. Reimbursement does not include mileage charges. Expenses -This coverage pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, expense of witnesses and witness fees. Expenses coverage pays the premium on appeal bonds, bonds to release attachment, and cost of bail bonds up to $250.
|
