Auto Insurance

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Auto Policy Terms

Here are some common terms that may help you to better understand your auto insurance policy and coverage.


Bodily Injury (BI) and Property Damage (PD)

This 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 consult us to make sure you have adequate converge- we’ll be happy to help you!

Uninsured & Underinsured Motorist

Covers you when you are injured 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.