Auto Insurance

Auto Policy Coverage and What they Mean

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Coverage:

Liability for Bodily Injury (BI)

Definition:

Bodily injury coverage for other parties injured in an accident.

What it means to you:

Bodily Injury or as it is referred to as BI is the first coverage you will see in your policy documents that provide the coverage information.  This is liability coverage in case a person is injured in an accident.  If that happens the person may need medical attention.  BI provides a defined dollar amount to cover medical bills and the costs of attorneys.

Coverage:

Liability for Property Damage (PD)

Definition:

Property Damage coverage for other parties.

What it means to you:

This liability coverage provides a defined dollar amount to repair or replace property that is damaged.  If an accident causes a garage door, mailbox, landscaping, signs, buildings or any other property damage to others, your auto policy accounts for this here.

Coverage:

Personal Injury Protection (PIP) Medical Expense.

Definition:

Coverage for Bodily injury for you and the passengers of the vehicle you’re operating.

What it means to you:

This extension of car insurance provides medical payments and even lost wages due to an accident no matter the fault.  This coverage is mandatory in 13 states: The District of Columbia, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. PIP has the option to be primary or secondary on the policy.  Check with your health insurance plan if allowed.   PIP will also come with a deductible.

Coverage:

Uninsured/Underinsured Motorist BI and PD

Definition:

Provides coverage for yourself and other parties resulting from an accident where the at-fault party does not have high enough limits to adequately cover you or none at all.

What it means to you:

If you find yourself in an accident with someone who does not have insurance or is carrying the state minimum requirements you are left wondering who will take care of the payments for property damage or bodily injury.  Uninsured or underinsured converge is your answer filling in the blanks that others left out.

Coverage:

Comprehensive

Definition:

Coverage for theft, Fire Wind, Hail, Flood, Vandalism, or hitting an animal.  The claim is covered subject to a deductible.

What it means to you:

For times where an outside force other than a vehicle damages your car. Like a hitting a deer that runs out into the street or tree or branch falling onto your car.  You need to be able to fix or replace the damage done.  The raising and lowering of the deductible will affect the price of the coverage.  There are also separate deductibles for glass.

Coverage:

Collision

Definition:

Coverage for hitting another vehicle, building or otherwise stationary object. The claim is covered subject to a deductible.

What it means to you:

When you have a collision with an object like a building, parking lot light post or fire hydrant this part of auto insurance will help address the need to repair or replace.  The raising and lowering of the deductible will affect the price of coverage.

Coverage:

Rental Reimbursement

Definition:

Coverage for the required use of a rental car due to an accident.  The carrier will cover up to a certain amount per day, up to a certain amount total ($30/day up to $1,500 Max)

What it means to you:

This coverage is optional and depends on the insured.

Coverage:

Towing / Roadside Assistance per Disablement

Definition:

Coverage for a specific dollar value for any roadside service/towing required.  Includes but not limited to towing to the nearest facility, battery charge, replacement, locksmith service etc.

What it means to you:

This is an optional coverage but recommended as it’s usually only an additional $4-5 in premium.