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Auto Insurance coverage options and definitions
If you’re driving a car we insure and are in an accident that causes bodily injury to someone else, this coverage pays the
injury damages that are your responsibility.
Property Damage Liability
Like Bodily Injury Liability, but pays for damages to another person’s car or other property.
Underinsured Motorist – Bodily Injury
If another person with little or no insurance causes an injury to you, this coverage steps in and pays the damages owed to
you that otherwise aren’t covered. (The amount of coverage you carry can’t exceed your limit of Bodily Injury Liability
Underinsured Motorist – Property Damage
This coverage pays for damage to your car or other personal property caused by someone driving without any (or not
enough) insurance. A small deductible applies.
Personal Injury Protection
This coverage pays necessary and reasonable medical expenses, income loss, and benefits for extra expenses for you,
family members of your household, and guests in your car in case of accidental injury or death. (You must have Liability
coverage to purchase this coverage.)
The policy pays for damage to your car from collision or upset, regardless of fault. You select the appropriate deductible
Covers damage to your car caused by something other than collision or upset, subject to your deductible. (Examples: theft,
accidental glass breakage, fire, vandalism.)
Towing and Labor
Pays for towing when your car won’t operate under its own power. Charges for labor at the site of breakdown are also
In the event of a covered loss, car rental expense is covered up to the rental reimbursement limits you select.
Auto Loan/Lease Coverage
Applies to a covered total loss. If there’s a traditional loan, it will pay either its principal outstanding balance or the actual
cash value of the car at the time of loss, whichever is greater.
If the auto is leased, it will pay the value of the vehicle and any other amount owed to the leasing company.