WHEN IT COMES TO AUTO Insurance...

AUTO POLICY CAN PROVIDE:

BODILY INJURY AND PROPERTY DAMAGE LIABILITY

• Pays for bodily injuries to other people or damage to their property, if you are liable.
• Pays whether your car was driven by you, a qualified family member, or another driver using your car with your permission.
• Pays to repair non-owned cars if you are legally responsible for the damage.
• Pays if you or qualified family members are driving a non-owned car.
• Pays up to the limits you select.

PERSONAL INJURY PROTECTION (PIP) or
MEDICAL PAYMENTS COVERAGE

Personal Injury Protection (PIP): Pays up to the policy limit for medical bills, lost
income, household services replacement costs and funeral bills resulting from an automobile accident.
This coverage protects 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.)

Both PIP and Medical: Also covers 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. Minimum
limit is $2,500. Higher limits are available for a small additional charge.

UNINSURED AND UNDER INSURED MOTORIST

Pays for bodily injuries or damage to your property, up to the limit you select, to you, qualified family members
and any other person occupying your covered auto, caused by an uninsured motorist or a hit-run
driver, if that driver is liable. There is a $250 deductible on property damage coverage.

Also pays for bodily injuries to you, qualified family members and any other person occupying your covered
auto, caused by a motorist whose insurance is not adequate to pay for the injuries if that driver is
liable. Pays 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.)

DAMAGE OTHER THAN COLLISION

• Pays for damage to your car except when it's caused by collision or upset.
• Includes damage from such causes as fire, vandalism, windstorm, sandstorm, falling objects, animals,
  water or flood. Also includes theft.
• Pays you up to $20 a day, up to a $600 limit for each loss, for transportation costs if your
  car is stolen. (Coverage begins 48 hours after the theft.)
• Pays up to the actual cash value of your vehicle, less the deductible you select.

COLLISION

Covers accidental damage to your car by collision with any object or by upset.

TOWING AND LABOR COSTS (OPTIONAL)

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)

Pays up to $20 a day, up to a $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

Pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees,
expense of witnesses and witness fees. Also pay expenses you incur at the companies' request, including up
to $50 a day for actual loss of wages.

Pays the premium on appeal bonds, bonds to release attachment, and cost of bail bonds up to $250.

DEATH INDEMNITY (OPTIONAL)

Pays for death arising from an auto accident, regardless of who's at fault, for you and qualified family
members. Pays up to the limit you select.

TRAILERS

Protects you against liability claims while you are towing a trailer designed for use with a private passenger car.

POLICY CREDITS

Most companies offer discounts to save your premium dollars. These may include Passive Restraint, Anti-Theft
Device, Defensive Driving and Two or More Autos Credits. Your should check with your personal agent for details.

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Personal Automobile Quote

This is not a policy contract but a general description. The policy itself should be read for the coverage and exclusions.
The policy deductible applies to all coverage's mentioned in the folder unless otherwise stated.