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Auto Insurance Coverage Details

BODILY INJURY (BI)
Coverage paid to the other party in the event that you cause injury or death to another person. Coverage amounts are usually split into limits, per person/per occurrence. This coverage also pays for an attorney to defend you, in the event of a lawsuit.
PROPERTY DAMAGE (PD)
Coverage paid to the other party in the event that you cause damage to another person’s vehicle or property. Coverage limit is usually per occurrence only.
UNINSURED/UNDERINSURED MOTORISTS BODILY INJURY (UM/UIMBI)
Coverage paid to you, and/or your passengers, in the event that you and/or your passengers are injured or killed by another at-fault driver who does not have any insurance, or enough insurance, to cover the cost of the damages. Coverage amounts are usually split into limits, per person/per occurrence.
UNINSURED/UNDERINSURED MOTORISTS PROPERTY DAMAGE (UM/UIMPD)
Coverage paid to you in the event that your vehicle is damaged by another at-fault driver who does not have any insurance, or enough insurance, to cover the damages. Coverage limit is usually per occurrence only, and is subject to a small deductible, usually $250.
MEDICAL COVERAGE
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Coverage paid to you for the cost of necessary medical services, due to bodily injury caused by a covered auto accident. Coverage limit is per occurrence only.
PERSONAL INJURY PROTECTION (PIP)
Coverage paid to you, and/or your passengers, for the cost of medical services, loss of work income, funeral expenses, etc. due to bodily injury caused by a covered auto accident. This money can be used for any purpose you feel necessary. Coverage limit is per occurrence only.
Please refer to your policy for specific coverage details.
OTHER THAN COLLISION (Also Known as Comprehensive Coverage)
This coverage only applies to damage or loss caused by something other than an auto accident or collision, such as theft of permanently installed equipment, vandalism, fire, etc. The amount shown is the amount you must pay (Deductible) before the insurance company will cover the damage or loss. The deductible can also be applied by the insurance company deducting that amount from the amount they pay to cover the damage or loss.
COLLISION COVERAGE
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Covers the cost to repair physical damage to your vehicle when the damage is caused by a collision with another vehicle or object. The amount shown is the amount you must pay (Deductible) before the insurance company will cover the damages. The deductible can also be applied by the insurance company deducting that amount from the amount they pay to cover the damage.
ROADSIDE ASSISTANCE/TOWING & LABOR
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Covers the cost of towing and roadside service in the event of a breakdown or accident. The amount shown is the amount the insurance company will pay for the services. Any additional cost that exceeds this amount must be paid out of pocket.
LOSS OF USE/RENTAL COVERAGE
Covers the cost of a replacement vehicle when your vehicle is not usable, due to damage caused by a covered peril. Coverage amounts are usually split into limits, per day/per occurrence (maximum 30 days per occurrence).

Please refer to your policy for specific coverage details.

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