Explanation of Automobile Insurance Coverages

 

BODILY INJURY LIABILITY

Pays when you are legally liable for injury or death caused by your vehicle. Also applies if someone drives your vehicle with permission. Pays up to total of single limit coverage; or up to first limit for any one person injured or killed, and up to second limit for two or more persons injured or killed.

UNINSURED/UNDERINSURED MOTORIST COVERAGE

Pays you and passengers in your insured vehicle, any monetary damages legally entitled to be recovered as a result of bodily injury or death caused by an uninsured, or underinsured, or hit and run motorist. UM limits must equal bodily injury limits unless you reject the coverage entirely or request other limits in writing.

COLLISION

Pays for loss or damage to your vehicle caused by collision with another object.

COMPREHENSIVE

Pays for loss or damage to your vehicle caused by fire, theft, vandalism, hail, windstorm, riot, falling objects, flood, etc.

PROPERTY DAMAGE

Pays when you are legally liable for damage to the property of others caused by your vehicle.

PERSONAL INJURY PROTECTION

Covers the named insured, resident relatives, and passengers who do not have their own personal injury protection coverage, and who are injured in a motor vehicle accident regardless of fault. Benefits paid are 80% of all reasonable medical expenses, funeral expenses up to $1,750.00, and up to 60% of loss of earnings. These benefits are up to a maximum of $10,000.00.

MEDICAL PAYMENTS

Pays medical, dental, hospital, funeral and related expenses for you and household relatives resulting from a motor vehicle accident. Protects anyone riding in your vehicle. Also covers you and household relatives in other vehicles or if struck as pedestrians. Applies only to injuries incurred in a motor vehicle accident, and does not apply to lost wages.