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BODILY INJURY AND PROPERTY DAMAGE LIABILITY
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
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.
This is not
a policy contract but a general description. The policy itself
should be read for the coverage and exclusions. |
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