| Types of Coverage |
Pays For |
Covers |
| Bodily Injury Liability (BI) |
Your responsibility to pay for medical, death and hospital expenses to other party |
The insured’s legal liability for bodily injury arising from ownership or use of the insured vehicle |
| Property Damage Liability (PD) |
Your responsibility to pay for the cost of repairs to other party’s vehicle or property |
The insured’s legal liability for property damage arising from ownership or use of the insured vehicle |
Uninsured/ Underinsured
Motorist Bodily Injury (UMBI) |
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance or who does not have sufficient liability limits to pay for damages |
The other party’s legal liability to you for bodily injury arising from the negligent operation of their uninsured vehicle |
Uninsured Motorist
Property Damage (UMPD) |
Cost of repairs to your vehicle not covered by collision insurance, subject to a limit of $3,500. UMPD coverage pays for the property damage to your car when there is a collision with an identified uninsured driver. If you have Collision coverage and you are involved in an accident with an uninsured driver (no matter who is at fault), this pays your Collision deductible. |
The other party’s legal liability for property damage arising from the negligent operation of their uninsured vehicle |
| Medical Payments |
Medical expense incurred without question of legal liability |
All the occupants of your vehicle |
Comprehensive
Physical Damage other than Collision |
Cost of repairs or the fair market value of the vehicle |
The insured vehicle subject to the deductible |
| Collision |
Cost of repairs or the fair market value of the vehicle |
The insured vehicle subject to the deductible |
Rental Reimbursement
Daily limit and number of days subject to policy terms |
Cost of a rental car while your vehicle is being repaired under coverage afforded by the policy |
Named Insured |
| Towing |
Reasonable and necessary towing and labor cost subject to policy terms |
Named Insured |