Coverage Definitions

  • Bodily Injury Liability
    If you injure a person in a crash, it pays their medical bills if you're legally responsible for them.

    This coverage has two parts. Each is represented by a different number. The first number is the highest amount your insurer will pay for a single person's medical bills after a crash. The second number is the highest amount it will pay in total for all injuries after a crash.
  • Property Damage Liability
    It pays for other people's property damages that you're legally responsible for after a crash.

    The number you choose is the highest amount your insurer will pay for all property damages you're responsible for after a crash. Note that this doesn't provide coverage for your own car, only other people's property damaged by the driver of your car.
  • Medical Benefits (also called first-party medical benefits)
    It pays for the medical bills of people covered by your policy after a crash. It does so no matter who caused the crash.
  • Limited or Full Tort
    Limited tort allows you to recover all out-of-pocket medical and other expenses. However, you are not able to recover certain damages via lawsuit—such as payments for pain and suffering. The full tort coverage selection preserves your unrestricted rights to bring lawsuit against the negligent party.
  • Uninsured Motorist (UM)
    It pays your medical bills and the medical bills of your family and passengers after a crash, but only if it was caused by a driver who doesn't have insurance or fled the scene of the accident.

    This coverage has two parts. Each is represented by a different number. The first number is the highest amount your insurer will pay for a single person's medical bills after a crash. The second number is the highest amount your insurer will pay in total for all medical bills after a crash.
  • Underinsured Motorist (UIM)
    It helps pays your medical bills and the medical bills of your family and passengers after a crash. It does so only if the crash was caused by a driver who has insurance, but not enough to cover all your medical bills.

    This coverage has two parts. Each is represented by a different number. The first number is the highest amount your insurer will pay for a single person's medical bills after a crash. The second number is the highest amount your insurer will pay total for all medical bills after a crash.
  • Stacking of UM or UIM
    It allows you to increase the amount of uninsured or underinsured motorist coverage you have. If you stack, your maximum coverage limit is multiplied by the number of cars on your policy.

    For example, say you have a $100,000 limit per accident. You also have three cars on your policy. If you choose to stack, your total maximum coverage per accident becomes $300,000. Without stacking, it remains $100,000.
  • Uninsured Motorist Property Damage Insurance (UMPD)
    It pays your repair bills from a crash caused by a driver who doesn't have insurance or fled the scene of the accident. This option is only offered if you don't have collision coverage.
  • Collision Coverage
    It pays for repairing or replacing the insured vehicle after an accident.
  • Comprehensive Coverage
    It pays for repairing or replacing this car if it is damaged by something other than a collision. Some examples of this type of damage are vandalism, hail damage, or theft.
  • Personal Injury Protection (PIP) Coverage
    It pays for the medical bills for you and your passengers after a crash.
  • Funeral Benefit
    It pays a set amount for funeral expenses if you or a family member dies from crash-related injuries.
  • Income Loss
    If you miss work because of a crash-related injury, it pays for a portion of the wages that you are unable to earn during that period.

    This coverage has two parts. Each is represented by a different number. The first number is the highest amount your insurer will pay you for lost wages in a single month. The second number is the highest amount it will pay you for your lost wages total after a single accident.
  • Extraordinary Medical Benefits
    It helps pay for the medical bills of people covered by your policy. It does so if the total medical bills are more than your medical payments coverage will pay. If they are, this coverage picks up where your medical payments coverage ends and will cover the remainder up to $1 million.
  • Accidental Death Benefit
    It pays the amount you choose to a representative of the insured driver if that driver dies from crash-related injuries within 24 months after the accident.
  • Rental Reimbursement/Transportation Expenses
    It pays for the cost of renting a car after an accident.
  • Towing and Labor Coverage
    It pays for towing and labor due to a mechanical breakdown.
  • Gap (Loan/Lease) Coverage
    It helps pays off the loan of a financed vehicle that has been totaled. Sometimes when a financed car is totaled, the amount that is still owed on the loan is greater than the actual cash value of the vehicle. In this situation, GAP insurance helps cover the difference between those two dollar amounts.
  • Auto Replacement Coverage
    It guarantees your car will be completely repaired or replaced, even if the costs exceed its depreciated value.
  • Custom/Non-factory Equipment Coverage
    It pays up to amount you specify for repairing or replacing custom parts and equipment.
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