Coverage Definitions

What does this cover?

You are covered for any bodily injury and property damage that you cause in an accident to another individual or their property. Damage to property also includes damage that you cause to public property such as buildings, telephone poles and fences.

What does it pay?

In an accident where it has been determined that you are at fault, Bodily Injury or Property Damage coverage will cover expenses for medical costs, lost wages, sickness, death, and property damage related to the accident. This coverage also pays for pain and suffering that may result from the accident. It is considered to be the liability coverage portion of your policy.

Why do I need this?

When you are determined to be at fault in an accident, Bodily Injury and Property Damage coverage can eliminate or lessen your out of pocket expenses. The rule of thumb is to carry enough coverage to protect your assets.

Example:

You cause a motor vehicle accident and the other driver is injured. Their vehicle has also sustained damage. You have a limit of $50,000 per person/$100,000 per accident for Bodily Injury and $50,000 Property Damage coverage. You will have up to $50,000 in coverage for the other driver's injuries. If there were passengers in his/her vehicle who were also injured, you would be covered for up to $100,000 for the accident. You will also be covered for up to $50,000 of the property damage. These limits will only apply to any of the damages that fall under Bodily Injury and Property Damage coverage if it is determined that you are liable.

Your coverage limits, deductibles, and certain exclusions may apply. Please read your policy for details.

What does this cover?

Uninsured Motorist coverage insures you, your resident relatives, and the passengers in your covered vehicle. This coverage only applies if it is determined that the other driver is at fault and has insufficient or no liability coverage.

What does it pay?

Uninsured Motorist coverage applies to damages such as medical bills, lost wages, and pain and suffering resulting from bodily injuries caused by an at-fault motorist who has insufficient or no liability coverage.

- If you select Stacked Uninsured Motorist, your policy limits for each motor vehicle listed on the policy may be added together to determine the total amount that may be recovered (stacked) for all covered injuries to you and your resident relatives.

- If you select Non-stacked Uninsured Motorist, the injured person may not add or combine the coverage provided as to two or more motor vehicles together to determine the limits of uninsured motorist insurance coverage available, except in very limited instances.

Why do I need this?

If you are involved in an accident where the at-fault motorist has insufficient or no liability coverage, Uninsured Motorist coverage will pay for the expenses incurred by you as a result of the accident. Without the coverage, you will be liable to pay the expenses if the at-fault motorist has insufficient or no liability coverage to pay for your medical bills, lost wages, and pain and suffering.

Example:

You are hit by another driver and sustain injury to your back and substantial damage to your covered vehicle. The other driver has no liability coverage. You have a limit of $50,000 per person/$100,000 per accident for Uninsured Motorist coverage. You will have up to $50,000 in coverage for your injuries. This amount will only apply to any of the damages that fall under Uninsured Motorist coverage if it is determined that the other driver involved in the accident is liable. If the driver does not have enough liability coverage to cover your damages, you will be insured for the remaining amount up to the limits you select for Uninsured Motorist coverage after the at-fault motorist's liability coverage has been exhausted.

Your coverage limits, deductibles, and certain exclusions may apply. Please read your policy for details.

What does this cover?

PIP, also known as No-fault coverage, provides coverage for you regardless of whether or not you cause an accident, up to the limits of your policy. PIP covers your child who lives in the same household if that child suffers an injury while riding on a school bus. PIP also covers you and relatives living in your home, certain passengers who lack PIP, and certain licensed drivers who drive your vehicle with your permission. PIP protects you while in your own or someone else's vehicle. It also protects you as a pedestrian or bicyclist if you suffer an injury in an accident involving a motor vehicle.

What does it pay?

The minimum PIP required by law is $10,000. PIP coverage pays 80% of reasonable medical expenses, 60% of lost wages and all reasonable expenses for replacement services, such as child care, housekeeping or yard work, and $5,000 for death benefits.

Personal Injury Protection Deductible- This option permits a policyholder to select a PIP deductible of $250, $500, or $1,000. The PIP deductible is subtracted from the available PIP benefit or total amount you can collect.

If you choose PIP with a deductible for the Named Insured, the deductible will only apply to the named insured and spouse, not the dependent resident relatives.

If you choose PIP with a deductible for the Named Insured & Resident Relatives, the deductible will apply to the named insured, spouse and all dependent resident relatives.

Wage Loss Exclusion- This option permits a policyholder to exclude benefits received for loss of gross income and loss of earning capacity from PIP coverage.

Your coverage limits, deductibles, and certain exclusions may apply. Please read your policy for details.

What does this cover?

Medical Payments coverage covers you if you are involved in an automobile accident and consequently incur medical expenses due to bodily injury sustained in an accident. This coverage also protects you and relatives who reside in your household while in other vehicles or if struck as a pedestrian. Certain exclusions may apply.

What does it pay?

The limit that you select will be the most that will be paid to each person insured on your policy in one single accident. This coverage pays per person after all other coverages that may apply have been used regardless of fault.

Why do I need this?

Many people buy this coverage to supplement their health insurance coverage. It is a very inexpensive supplement to your medical insurance when you are involved in an automobile accident.

Example:

You are involved in an accident where it has been determined that the total medical expenses for you and your passengers are $55,000. The other driver was at fault and only had Bodily Injury coverage limits of $25,000 per person/$50,000 per accident. You did not have Uninsured Motorists Coverage. You have selected a Medical Payments coverage limit of $5,000.

The insurance company of the at fault driver would only be liable to pay up to $25,000 per person injured but no more than $50,000 for this accident for you and your passengers medical expenses. Your Medical Payments coverage would pay up to $5,000 for the remainder of your medical expenses.

Your coverage limits, deductibles, and certain exclusions may apply. Please read your policy for details.

What does this cover?

Comprehensive coverage covers damages to your vehicle that are not the result of your vehicle overturning or colliding with another object or vehicle. This includes loss to your vehicle from incidents including vandalism, hail, theft, or contact with an animal. This coverage will only apply to vehicles listed on your policy for which you have selected a Comprehensive coverage deductible.

does it pay?

This coverage pays for damage to your vehicle, not covered under Collision coverage, that exceeds the deductible you select. You will be required to pay your deductible if your vehicle sustains damages that fall under this coverage.

Actual Cash Value: The actual cash value of your vehicle is its true market value. This is determined by the year, make, model and condition of your vehicle.

Why do I need this?

If you have a bank loan on your vehicle or a leased vehicle, you are usually required to carry this coverage. You should also select this coverage to ensure less out of pocket expenses.

Example:

You hit an animal while driving home from work. You have a Comprehensive deductible of $500. You will be required to pay up to $500 for the damage to your vehicle. The rest will be paid through Comprehensive coverage.

Your coverage limits, deductibles, and certain exclusions may apply. Please read your policy for details.

What does this cover?

Collision coverage covers damage to your vehicle in the event it overturns or collides with another car or object, other than an animal. This coverage will only apply to vehicles listed on your policy for which you have selected a Collision coverage deductible. Collision also covers injuries or death to any pets owned by you or a relative. Your pets do not have to be listed on your policy.

What does it pay?

This coverage pays for damage to your vehicle when it collides with another object or overturns that exceeds the deductible you select. You will be required to pay your deductible if your vehicle sustains damages that fall under this coverage. If your vehicle is totaled and the damages fall under Collision coverage, you will be reimbursed for the Actual Cash Value (ACV) of your vehicle at the time of loss, minus your deductible and the salvage value of the vehicle you retain the salvage.

Actual Cash Value: The actual cash value of your vehicle is its true market value. This is determined by the year, make, model and condition of your vehicle.

Why do I need this?

If you have a bank loan on your vehicle or a leased vehicle, you are usually required to carry this coverage. You should also select this coverage to ensure less out of pocket expenses.

Example:

You hit a guardrail when backing out of a parking lot spot. You have a collision deductible of $500. You will be required to pay up to $500 for the damage to your vehicle. The rest will be paid through Collision coverage.

Your coverage limits, deductibles, and certain exclusions may apply. Please read your policy for details.

What does this cover?

Pays expenses to rent a car if you have a loss covered under Comprehensive or Collision coverage.

What does it pay?

Pays up to the limits selected per day to the maximum indicated.