| Auto
Policy Definitions
Bodily Injury (BI) and Property Damage
(PD)
Covers your liability for injuries you cause
to other people and property damage for which you are at fault.
This coverage usually is expressed in a "split
number" such as 100/300/100.
The first number is the limit (in thousands
of dollars) that your policy will pay for bodily injury per
person in the event of an accident. The second number is the
total limit your policy will pay for bodily injury to two
or more people per accident.
The third number is the limit that your policy
will pay for property damage per accident.
Many people are underinsured today because
of the rising costs of vehicles (making it easy to exceed
your Property Damage limits) and the high personal injury
awards in lawsuits.
Please contact us to make sure you have adequate
coverage- we're always happy to service you!
Uninsured & Underinsured
Motorist
Covers you when you are injured or your property
is damaged by someone who is not insured or has inadequate
limits of coverage. This is often an overlooked coverage,
and we would be happy to help you understand this better!
Collision
This covers the cost of replacing or repairing
your vehicle in the event of an accident in which you were
at fault. The premium varies depending upon your deductible
limits.
We would be happy to help you decide which
deductible is right for you!
Comprehensive
This covers repairing or replacing your vehicle
in non-accident situations, such as theft and vandalism.
Hail and other "acts of God" are
covered, as defined by your policy. This also has a deductible,
so please consult with us about which deductible meets your
needs.
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