DEFINITION OF TERMS-
The following descriptions represent coverages and discounts that are available. Your quotation may or may not include any or all of these coverages and discounts. These are just brief discriptions and are not legal definitions.
Coverages Available
Bodily Injury Liability Coverage
covers injuries that you may cause to another individual.
Property Damage Liability Coverage
covers damage you may cause to someone else's property.
Medical Payment Coverage
covers medical expenses for injuries to yourself, your passengers and others, no matter who is at fault. It also covers any kind of accident involving an automobile whether you are walking or on a bicycle.
Personal Injury Protection Coverage (PIP)
is no-fault coverage. It reimburses accident victims for medical expenses, lost wages and pays for services which their injuries prevent them from performing.
Uninsured/Underinsured Motorist Coverage
protects you if you are injured in an accident with someone who has no liability or insufficient liability coverage.
Comprehensive Coverage
covers "non-collision" damage such as fire, break-ins, vandalism or theft and natural disasters.
Collision Coverage
covers damage to your own automobile in an accident.
Auto Loan Lease Gap Coverage
pays unpaid amount due on the lease or loan for your vehicle in the event of a total loss.
Extended Transportation Expense Coverage (Rental Car Coverage)
pays you for loss - of - use of your car due to a covered incident.
Towing and Labor Coverage
pays the towing and labor costs each time your auto is disabled. We will only pay for labored performed at the place of disablement.
Discounts Available
Careful Driver Discount
reduces your premium when you meet our qualifications as a safe driver.
Multi-Car Discount
reduces your premium for having more than one vehicle insured with us.
Passive Restraint Discount
reduces your medical payments and PIP premiums if your vehicle is equipped with air bags or automatic seatbelts.
Anti-Lock Discount
reduces your premium if you vehicle is equipped with an anti-lock braking system (ABS).
Anti-Theft Device Discount
reduces your comprehensive premium if you have an anti-theft device in your vehicle.
Good Student Discount
reduces the premium for drivers who are full time students under the age of 25 who carry a grade average of "B" or better.
Driver Training Discount
reduces the premium for drivers under the age of 21 who have completed a driver training course.
Defensive Driver Discount
for drivers age 55 or over, who have completed a defensive driving course.
