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Glossary of Common Insurance Related Terms

Bodily Injury Liability

Protect you against possible loss, up to coverage limitations listed on your declarations page, should your vehicle injure or kill anyone and you are held legally liable.

Broad Form

A Broad Form covers the named insured to drive any owned or non owned vehicles (subject to restrictions). For liability insurance, be it one or twenty cars - it's the same price.

Comprehensive

Pays for loss or damage to your vehicle other than by collision. Includes fire, theft, earthquake, explosion, glass breakage, riot, vandalism, windstorm, and damage to your vehicle that results from striking an animal on the roadway. Pays you for the amount of each loss in excess of the deductible.

Collision

Pays for loss of damage to your vehicle by collision with another object or by upset of your vehicle. Pays you for the amount of each loss in excess of the deductible.

Property Damage Liability

Protects you against possible loss, up to coverage limitations listed on your declarations page, should your vehicle damage another persons property, including their vehicle(s), and you are held legally liable.

Personal Injury Protection

Pays expenses for medical, dental, surgical, hospital, loss of income if disabled, funeral costs, and necessary essential service expenses, for you and your passengers up to the coverage limitations listed on your declarations page.

Under Insured Motorist - Bodily Injury

Provides protection up to coverage limitations listed on your declarations page for bodily injury against the hazards of accidents caused by someone with no auto liability insurance, or not enough. Also protects you against hit-and-run drivers.

Under Insured Motorist - Property Damage

Provides protection up to coverage limitations listed on your declarations page against physical damage to your automobile caused by someone with no auto liability insurance, or not enough, less a deductible. Also protects you against hit-and-run drivers.