PErsonal Lines Insurance Definitions:
Bodily Injury- coverage for injuries you are liable for due to an accident.
Property Damage- coverage for damage to property of others
Personal Injury Protection-
Uninsured Motorist Bodily Injury- coverage for the insured for bodily injury due to a driver without insurance coverage.
Underinsured Motorist Bodily Injury- coverage for the insured for bodily injury that exceeeds the liable drivers insurance coverage.
Uninsured Motorist Property Damage- coverage for the insured for damage done to his vehilce by a driver without insurance.
Comprehensive- Auto insurance coverage that most often covers: Glass, Fire, Theft and hitting an animal
Collision- Auto insurance coverage providing coverage for a hitting an inanimate object.
Roadside service -auto insurance coverage often providing up to an hour of roadside service or a tow to nearest repair facility.
Loss of Use- auto insurance coverage providing a temporary use of a vehicle while your vehilce is in the shop for repair.
Actual Cash Value - Cost of replacing damaged or destroyed property with comparable new property, minus depreciation and obsolescence. For example, a 10-year-old Television will not be replaced at current full value because of a 10 years of depreciation.
Property Damage- coverage for damage to property of others
Personal Injury Protection-
Uninsured Motorist Bodily Injury- coverage for the insured for bodily injury due to a driver without insurance coverage.
Underinsured Motorist Bodily Injury- coverage for the insured for bodily injury that exceeeds the liable drivers insurance coverage.
Uninsured Motorist Property Damage- coverage for the insured for damage done to his vehilce by a driver without insurance.
Comprehensive- Auto insurance coverage that most often covers: Glass, Fire, Theft and hitting an animal
Collision- Auto insurance coverage providing coverage for a hitting an inanimate object.
Roadside service -auto insurance coverage often providing up to an hour of roadside service or a tow to nearest repair facility.
Loss of Use- auto insurance coverage providing a temporary use of a vehicle while your vehilce is in the shop for repair.
Actual Cash Value - Cost of replacing damaged or destroyed property with comparable new property, minus depreciation and obsolescence. For example, a 10-year-old Television will not be replaced at current full value because of a 10 years of depreciation.
