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Definitions
Additional Equipment
Bodily Injury Liability Coverage
Comprehensive Coverage
Collision Coverage
Medical Payments Coverage
Personal Injury Protection (PIP) or "No-Fault"
Property Damage Liability Coverage
Rental Reimbursement Coverage
Towing & Labor Costs
Uninsured Motorist Coverage
Underinsured Motorist Coverage
 
Additional Equipment Top
This is an optional coverage which covers loss to custom equipment or features which were not installed by the original manufacturer.

Bodily Injury Liability Coverage Top
This benefit covers you for accidental bodily injury which you or someone driving your car may cause to someone else. It will compensate that injured "someone else" for their injuries up to a limit of coverage which you have chosen. It also covers the cost of your legal defense.

Comprehensive Coverage Top
Comprehensive Coverage covers you for damages to your car due to things such as fire, hail, flood, theft or impact with a bird or animal. Various deductibles are available. This coverage is optional, but most lease and finance companies require you to purchase Comprehensive and Collision to ensure the car will be repaired or replaced after loss.

Collision Coverage Top
Collision Coverage covers you for damages to your car when it collides with another object, such as a truck, another car or a tree. In most cases a deductible must be met before this coverage will apply. The deductible is the amount of out-of-pocket money you must pay before the auto insurance applies. Various deductibles are available. This coverage is optional, but most lease and finance companies require you to purchase Comprehensive and Collision to ensure the car will be repaired or replaced after loss.

Medical Payments Coverage Top
Medical Payments Coverage covers you for medical expenses related to injuries you sustain in an auto accident. Most states require this coverage and the limits may vary from state to state.

Personal Injury Protection (PIP) or "No-Fault" Top
This benefit covers you, your resident family members, and sometimes your passengers for medical expenses related to injuries sustained in an auto accident, regardless of who is responsible or "at fault" for the accident. There may also be benefits for your lost wages, essential services, rehabilitation and other costs associated with the auto-related injury. In states with no-fault laws, this benefit may be mandatory. The limits and requirements vary by state.

Property Damage Liability Coverage Top
Property Damage Liability Coverage covers you for accidental property damage you or someone driving your car causes to someone else. This coverage will pay for the repairs to that person's car, or other property, up to the limit of coverage which you have chosen. The cost of your legal defense is also covered.

Rental Reimbursement Coverage Top
When your auto is disabled due to an accident, this coverage helps pay for costs you may incur for having to rent a car during the time your auto is being repaired. This is an optional benefit.

Towing & Labor Costs Top
Towing & Labor Costs will help pay the cost you incur for having your car towed from the scene of an accident or from a breakdown to the repair shop. This is an optional benefit.

Uninsured Motorist Coverage Top
This provides you with coverage for bodily injury, and in some states, property damage, you sustain in an auto accident due to the negligence of a driver who does not have any insurance. Coverage will be up to the limits of coverage you have chosen. This coverage is mandatory in most states. In some states, there may also be uninsured motorist coverage for property damage to your car.

Underinsured Motorist Coverage Top
This provides you with coverage for bodily injury, and in some states, property damage, you sustain in an auto accident due to the negligence of a driver who has auto insurance, but not enough to pay for all of your damages. It pays up to the limit of coverage you have chosen for your car. This coverage is mandatory in most states.

 

Disclaimer
Since policy types, coverages, limits and requirements may vary by state, the above should be considered general information and not specific to any particular state.