Limits

       An insurance coverage limit is selected by you and is the most an insurance company will pay for damages or injuries

       that apply to the coverage. Most states have laws that specify the minimum limit that must be purchased for each

       required insurance coverage.

 

    Loan/Lease Payoff Coverage

       Loan/Lease Payoff coverage, sometimes called "gap" coverage, pays the difference between what you owe on your

       vehicle and what your insurance pays if your vehicle is declared a total loss or stolen and not recovered, less your

       Comprehensive or Collision deductible. Learn more about Loan/Lease Payoff coverage.

 

    Medical Payments (MedPay) Coverage

       MedPay is an optional insurance coverage that pays for reasonable and necessary medical and funeral expenses for

       covered persons. These expenses must be incurred as a result of an auto accident.

 

    Named Insured

       The first person in whose name the insurance policy is issued.

 

    Occasional Driver

       A person who is not the primary or principal driver of the insured vehicle is an occasional driver.

 

    Personal Injury Protection (PIP) Coverage

       PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and

       funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle.

       PIP is the basic coverage implemented in no-fault automobile insurance states.

 

    Policy Expiration Date

       Your current insurance policy ends on your policy expiration date, which is found on your current policy documents,

       Declarations Page (Dec Page), insurance identification card or recent cancellation notice. This date should not be

       confused with payment due dates.

 

    Policy Term

       The length of time your policy is active and in force is your policy term.

 

    Premium

       A premium is the amount of money paid to an insurance company in return for insurance protection.

 

    Primary Residence

       A primary residence is the place where you will live for the majority of your policy term.

 

    Primary Use

       Primary use is how you mainly use your vehicle. Primary use options include to/from work, business, pleasure or farm

       use.

 

    Principal Driver

       The person who drives the car most often is the principal driver.

 

    Property Damage Liability Coverage (PD)

       If an insured person is legally liable for an accident, PD coverage pays for damage to others' property resulting from

       the accident. PD also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.

 

    Rental Reimbursement Coverage

       Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or

       Collision coverage. Daily rental amounts are subject to the limit purchased.

 

    Roadside Assistance Coverage

       Roadside Assistance provides services such as towing, flat tire change, locksmith service and battery jump-start to

       customers, who can elect the service for an additional premium if it is not already included with their insurance

       policy. Learn more about Roadside Assistance.

 

•       Some states base salvage titles on the extent of damage a vehicle has sustained. 

•       damage to a vehicle must equal or exceed 75 percent of the vehicle's retail value in order for it to require a salvage

•       title, according to state law.

•       Other states, such as Florida, require a vehicle to have a salvage title if the insurance company declared the vehicle

•       a total loss. These titles generally indicate whether the vehicle is "rebuildable" (can be repaired and driven on the

•       road) or "not rebuildable" (must be sold for parts).

•       Other states "brand" or "notate" the vehicle's title when the estimate of damages reaches a certain percentage of  

•       the vehicle's retail value (in New York, it is 75 percent), even if the vehicle has not been declared a total loss and is

•       able to be repaired.

•       Other states have no guidelines for issuing salvage titles.

   

     Salvage Titles

       State laws determine if a vehicle requires a salvage title.

 

    Second Named Insured

       The named insured or listed agent/broker on a policy may request to designate any other person listed on the policy

       as a second named insured. The second named insured has the same coverage under the policy as the named insured.

   

    SR-22

       An SR-22 is a document required by the court that demonstrates proof of financial responsibility for persons convicted

       of certain traffic violations.

 

    Uninsured Motorist Coverage (UM)

       If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage

       for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the

       limits you select. Certain exclusions may apply. Refer to your policy.

 

    Underinsured Motorist Coverage (UIM)

       If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM

       coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain,

       up to the limits you select. Certain exclusions may apply. Refer to your policy.

 

    Uninsured/Underinsured Motorist Property Damage Coverage (UMPD)

       If driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough

       insurance, you can use UMPD to cover damage to your insured vehicle, up to the limits you select. In some states,    

       UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy.

 

    Vehicle Identification Number (VIN)

       The Vehicle Identification Number (VIN) for your vehicle is usually found on the driver's side of your dashboard, the    

       vehicle registration or the title. The VIN is a combination of 17 letters and numbers that can be used to identify the

       make, model and year of a car.