Understanding Auto Insurance
Below is a brief explanation of auto insurance definitions to help you understand your coverage. Please check with your policy to see what limits you have and let us know if you would like a quote to increase those limits.
Coverage pays for bodily injury to another person and for property damage to another’s property caused by the negligent (at-fault) operation of your automobile.
Bodily injury is a form of coverage that protects you if you injure someone else.
Property Damage is a form of coverage that protects you if you damage someone else’s property.
50,000 (max bodily injury per person) /100,000 (max bodily injury total)/ 50,000 (max property damage) This is split limit coverage and higher limits are available.
300,000 (max bodily injury & property damage total)
This is a combined single limit and higher limits are available.
Coverage pays for your bodily injury in the event of a hit and run or an accident involving an at-fault driver who is not insured.
Coverage pays for your bodily injury in the event of a hit-and-run or an accident involving an at-fault-driver who does not have enough insurance to pay for your loss.
Personal Injury Protection (PIP): Available $10,000, $35,000, and some companies $50,000
Coverage pays for reasonable and necessary medical expenses for injuries to the driver and any passenger in the vehicle, regardless of who is at fault in the accident. In addition, there may be coverage available for lost wages, lost services, and funeral expenses. Some companies or other States refer to this as Medical.