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If any driver on your insurance policy causes an accident that injures people, Bodily Injury (BI) coverage will pay for the medical bills, lost wages, and other costs for the people involved in the accident.

The first portion of your BI coverage is the maximum that will be paid for one person. The second portion is the maximum paid per accident. For example, if BI is 50,000/100,000, 50,000 is the maximum amount the insurance company will pay for one person and 100,000 is the maximum amount paid per accident.

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Property Damage (PD) covers damage when your vehicle hits another vehicle or does damage to other people's property such as fences, walls, mail boxes, etc. The limit you purchase ($25,000 for example) is the maximum paid per accident.

Medical Payments coverage pays for doctors, hospital costs or other medical expenses for you and the passengers in your car regardless of who is at fault in the accident. The limit you purchase is payable for each person injured ($1000 for example).

This part of your policy covers you for Bodily Injury that you and your passengers sustain as a result of a negligent uninsured driver. It also provides coverage for hit-and-run accidents where you are the victim. You'll need written proof that the driver is uninsured, generally a police report stating that the other party is uninsured and at fault.

Uninsured Motorist Property Damage (UMPD) coverage will pay to fix your vehicle if it is damaged by an uninsured driver, up to a maximum of $3500.

Note: You must select either Standard or Premium to obtain this coverage.

Underinsured Motorist Bodily Injury (UMBI) provides coverage for medical expenses, lost wages, funeral costs, and other general damages if your vehicle is hit by a driver who carries insufficient auto insurance coverage (includes hit-and-run incidents). With UMBI, the insurance company pays the difference between your coverage limit and the other driver’s Bodily Injury (BI) coverage limit. Most people carry the same amount of UMBI coverage as their BI limits.

This coverage protects you, your household relatives, and passengers in your car. You are also covered as a pedestrian or if you are a passenger in someone else’s car when an accident occurs.

Example

If you carry UMBI coverage of $50,000 / $100,000 and are struck by someone carrying $10,000 / $20,000, you could collect the difference between these two policies if your injuries were severe.

Personal Injury Protection Coverage (PIP) coverage will pay for reasonable medical expenses, loss of wages and funeral expenses if you, a passenger in your car, or household relative are injured in an automobile accident, regardless of who is at fault. This is considered first-party coverage since it only pays for those injured in your car.

The Personal Injury Protection (PIP) Deductible is the amount you are willing to pay out-of-pocket before your PIP coverage kicks in. PIP coverage will pay for reasonable medical expenses, loss of wages and funeral expenses if you, a passenger in your car, or household relative are injured in an automobile accident, regardless of who is at fault.

"Added On" to At-Fault Liability Limits

If you get in an accident with an at-fault underinsured driver, your Uninsured Motorist coverage limit will be added to the other driver’s Liability coverage limit to pay for the damages. If the damages are more than the combined limits, you will have to pay the difference.

Example

Your Uninsured Motorist Limit: $100,000
At-Fault Driver’s Liability Limit: $50,000
Combined Limits: $100,000 + $50,000 = $150,000
Damages: $175,000
Damages Minus Combined Limits: $175,000 - $150,000 = $25,000
Amount Not Covered: $25,000

“Reduced By” At-Fault Liability Limits

If you get in an accident with an at-fault underinsured driver, the difference between your Uninsured Motorist coverage limit and the other driver’s Liability coverage limit (plus the other driver’s Liability coverage limit) will pay for the damages. If the damages are more, you will have to pay the difference.

Example

Your Uninsured Motorist Limit: $100,000
At-Fault Driver’s Liability Limit: $50,000
Difference in Limits: $100,000 - $50,000 = $50,000
Damages: $175,000
Damages Minus (Difference in Both Limits + At-Fault Limit): $175,000 – ($100,000) = $75,000
Amount Not Covered: $75,000

In case your vehicle is stalled or disabled, this covers towing to the nearest repair facility (distance limitations apply and vary by company). In addition, it may also cover labor in case you run out of gas, are locked out of your car and need to get in, need a jump start due to battery failure, need to change a flat tire or repairs due to minor electrical damage. You may be reimbursed for these services, or a tow truck may be dispatched, depending on the company.

If you have AAA or any other Auto club membership, you may elect to skip this coverage.

Note: You must select Premium to obtain this coverage.

This pays for renting a car in case you have an insurance claim that is covered under Comprehensive or Collision coverage and your vehicle cannot be operated safely due to the claim. A daily maximum and total maximum amount an insurance company will pay is available for selection. This coverage does not apply when your vehicle is in the shop for normal repairs or maintenance.

Note: You must select either Standard or Premium to obtain this coverage.

Comprehensive provides coverage for damage done to your vehicle in any situation other than an accident (e.g., theft, vandalism, fire, or hitting an animal would be covered under comprehensive). The higher your deductible, the lower your rates. Keep in mind, if you have a high deductible amount, you will have to pay that deductible amount in an event of a loss to your car (except from an accident).The most common chosen deductible is between $500 and $1,000.

Collision deductible is any direct and accidental loss as a result of collision with another object, except an animal, whether it's another car, a wall, etc. Collision pays for the repair or replacement of your car at its current market value, less your deductible. The higher your deductible, the lower your rates. Keep in mind; if you have a high deductible amount, you will have to pay a greater amount in case you are involved in an accident. The most common chosen deductible is between $500 and $1,000.

Note: You must select either Standard or Premium to obtain this coverage.

Please use these guidelines to estimate your Credit Score:

"Excellent" (720–850): Established credit history; no current or past credit problems.

"Good" (640–720): Occasional missed credit card or loan payment; no recent collection activity.

"Poor" (350–640): Judgment filed against you; default on a prior loan; collection activity; filed bankruptcy in past 7 years; tax liens.

Note: Credit Scores influence Insurance Scores which are used to measure a customer’s risk level for insurance companies. Insurance Scores are derived from credit history, credit reports, claim history, DMV demerit points and other indicators. Insurance Scores can affect rates and may be verified by your insurance company.

Choosing "Full" means you wish to maintain an unrestricted right for you and members of your household to sue for injuries caused by other drivers.

Medical Benefits coverage pays for doctors, hospital costs or other medical expenses for you and the passengers in your car regardless of who is at fault in the accident.

Full glass coverage means the insurance company will pay to repair or replace damaged safety glass (windshield, glass in the doors, and windows) without charging you a deductible.

Note: You must select either Standard or Premium to obtain this coverage.

This covers you for Property Damage to your vehicle as a result of an accident with an underinsured driver. Most states have different limits for this coverage. However, it only pays for damages if the other driver is at fault. You'll need written proof that the driver is underinsured. This could be a police report which states that the other party is uninsured and at fault.

Personal Injury Protection (PIP) Medical Expenses provides coverage for reasonable and necessary medical expenses incurred for an insured's care, recovery, and rehabilitation from injuries due to an automobile accident.

This coverage is provided to partially reimburse you for lost wages if you are injured and unable to work due to an auto accident.

Personal Injury Protection (PIP) is an extension of insurance that is designed to be paid without regard to legal liability, and is often a requirement in “no-fault” states.

Limited PIP Protection pertains to the circumstances in which the insured driver has a right to sue another driver thought to be at-fault for an automobile accident involving both parties. With Limited PIP Protection, all insured persons on the policy agree they may sue the person who caused an auto accident for pain and suffering only when they sustain one of the permanent injuries listed below.

• loss of body part
• significant disfigurement or significant scarring
• a displaced fracture
• permanent injury (any injury shall be considered permanent when the body part or organ, or both, has not healed to function normally and will not heal to function normally with further medical treatment.)
• Death

Choosing this option does not affect a driver’s ability to sue for economic damages such as medical expenses and lost wages.

PIP Primary coverage is an option that provides drivers with coverage for medical expenses, and is generally used first, before any group health plan or personal health plan the driver may have. A driver can also choose to use PIP coverage as a secondary, meaning the driver’s own health insurance is utilized before using the PIP medical coverage. The insurance company may ask for proof of health insurance if a driver chooses to use his own health plan as the primary coverage.

Additional Personal Injury Protection (APIP) provides a higher level of coverage for loss of wages or essential services, as well as a death benefit and funeral expenses.

Uninsured Motorist Property Damage (UMPD) Insurance covers damage to your vehicle caused by an uninsured driver. The UMPD Deductible is the upfront portion of a claim you agree to pay before insurance benefits begin taking effect.

Which deductible you should choose depends on the amount of personal risk you are willing to assume. Policies with higher deductibles shift a portion of the risk to the driver, resulting in lower payments. Alternatively, policies with a lower deductible afford drivers the peace of mind that in an accident, they will incur less out-of-pocket expense.