The following information, although a reasonable description of the coverage provided, does not constitute part of the policy or binder of insurance and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details.
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Bodily Injury Liability Coverage
Bodily Injury Liability Coverage covers you for accidental bodily injury, which you or the driver of your vehicle causes to someone else.
If you are found to be at fault for an accident and legally responsible for the injuries caused to the other party this coverage will compensate that person for their injuries up to a limit of coverage which you have chosen.
If you are sued because of a covered automobile loss, the cost of your legal defense is also covered. |
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Collision Coverage
Collision Coverage is an optional coverage which provides for repairs for damages to your vehicle due to upset or when it collides with another object, such as a vehicle or object.
While this is an optional coverage, most auto lease and finance agreements require you to purchase this coverage to ensure the car will be repaired or replaced after a loss.
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Comprehensive Coverage
Comprehensive Coverage is an optional coverage, which provides coverage for damage to your vehicle resulting from something other than a collision.
Examples of some causes of damage covered by comprehensive coverage are fire, flood, theft, hail, or impact with a bird or animal.
Although this is an optional coverage, most auto lease and finance agreements require you to purchase this coverage to ensure the car will be repaired or replaced after a loss. |
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Medical Payments Coverage
Medical payments coverage provides for reasonable expenses to cover medical and funeral services of a covered person injured in an auto accident.
Medical payments coverage applies regardless of who is at fault.
This coverage is not available in all states. |
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Personal Injury Protection
Personal Injury Protection (PIP) or “No-Fault” benefits cover you, your family members and sometimes your passengers or pedestrians who may be struck by your vehicle, for medical expenses related to injuries as a result of an auto accident regardless of who is at fault.
This coverage may also provide for Lost Wages, Essential Services, Rehabilitation, and other costs associated with an auto related injury.
This coverage is not available in all states but is usually mandatory in states, which have no-fault laws. Limits and restrictions vary by state. |
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Property Damage
Property Damage Liability coverage covers you when you are legally responsible for accidental property damage caused by you or the driver of your car to someone else’s property. This coverage will pay for the repairs to that property up to the limit of coverage chosen by you. Property damage means damage to or destruction of another person's tangible property, including loss of its use (e.g. other car, fence, lamppost, etc.). If you are sued because of the accident, this coverage also covers the cost of your legal defense.
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Underinsured Motorist Bodily Injury Coverage
Underinsured Motorist Bodily Injury coverage covers you and your passengers for bodily injury sustained in an auto accident due to the negligence of an underinsured owner or driver (someone who has auto insurance but not enough coverage to pay for all your damages), up to the limit of coverage you have chosen. In some states, there may also be Underinsured Motorists Coverage available for property damage to your vehicle. This coverage is required in many states. |
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Underinsured Motorist Property Camage Coverage
Underinsured Motorist Property Damage Coverage provides coverage for your vehicle in the event of damages sustained in an auto accident due to the negligence of an underinsured owner or driver (someone who has auto insurance but not enough coverage to pay for all your damages), up to the limit of coverage you have chosen. |
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Uninsured Motorist Property Damage Coverage
Uninsured Motorist Property Damage Coverage covers your vehicle for damage sustained in an accident due to the negligence of an uninsured owner or driver, up to the limit of coverage you have chosen. In most states there is a deductible applied to this coverage and it may not be available if you carry collision coverage on your auto. This coverage is required in many states. |
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Uninsured Motorist Bodily Injury Coverage
Uninsured Motorist Bodily Injury Coverage covers you and your passengers for bodily injury sustained in an auto accident due to the negligence of an uninsured owner or driver up to the limit of coverage you have chosen. This coverage is required in most states. |
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Accidents
An accident is an unintended occurrence which involves you or another driver of your vehicles that resulted in damages to property and/or bodily injury. |
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Delivery or commercial use
Vehicles used for delivery of passengers, food, wholesale or retail items are not eligible for coverage under the personal auto policy.
To be eligible for coverage under a personal auto policy, the vehicle must not be owned by a business or corporation. |
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Driving experience
The person(s) who will be the owner of this policy must have a minimum of three years verifiable driving experience (five years in Texas) with at least the last 18 months being in the United States or Canada. Verifiable means we must be able to obtain a driving record report. |
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Senior operator discount
A discount for a principal operator who is age 55 or older and has received a certificate of completion within the past 36 months from a voluntary Motor Vehicle Accident Prevention Course approved by the appropriate authority within your state. This discount is not available in all states. |
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Violations
Violations are tickets or citations issued to a driver who violates a traffic law while operating a vehicle. Examples are speeding, disobeying a traffic control device, and operating a vehicle under the influence of drugs or alcohol. |
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Good student discount
A young driver age 16 to 24 who is enrolled as a full-time student with a B average or better or who is a graduate of a 4 year college or university. You will be asked to provide a copy of a most recent grade report or diploma. |
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4 wheel anti-lock brakes
Anti-lock brakes (ABS) - a braking system in a vehicle, which pumps the brakes automatically (many times per second) to prevent locking of the brakes, enabling a driver to maintain control of the vehicle. |
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Airbag
An automatic restraint system that requires no action on the part of the vehicle occupants. Air bags are loss-reduction devices stored in the dash and/or steering column, which are designed to inflate in moderate and severe front end, crashes. |
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Automatic seat belts
Automatic restraint systems, which require no action on the part of the occupants of the vehicle. Automatic seatbelts are those which belt the driver and/or the vehicle front seat passenger in when the vehicle door closes or the vehicle is started. |
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Homing device
Homing devices or stolen vehicle recovery systems are independently operated systems, which automatically notify a monitoring system if the vehicle is started by any means other than through the use of an ignition key. |
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Modified or customized
Modified means the addition of non-factory installed turbochargers, spoilers, or special exhaust systems. Customized means the addition of equipment, special paint or graphics to personalize the vehicle. This includes factory-installed options such as captains’ chairs, snack tables and appliances. |
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Unrepaired damage
Unrepaired damage is damage to your vehicle which pre-exists your date of loss or coverage request (for example; prior accident damage, hail damage, broken or cracked windows) |
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Vehicle Identification Number (VIN)
The specific number assigned to the vehicle by the manufacturer. This number may be found on the registration, title, inside the driver's door on a silver tag on some models or on the small plate at the base of the windshield in front of the steering wheel. |
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VIN etchings
Permanently marked vehicle identification number on at least two windows of the vehicle other than the small vent windows. |
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Rental reimbursement coverage
Rental Reimbursement helps cover the costs you incur for renting a car when your vehicle is disabled due to an auto accident. You must purchase Comprehensive coverage to have this coverage on your vehicle. |
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Towing coverage
Towing helps pay the costs you incur for having your vehicle towed from the scene of a breakdown. You must purchase Comprehensive coverage to have this coverage on your vehicle. |
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