Property Damage
Property Damage Liability (PDL) pays for
damage (up to the limit of the policy) that
you or anyone covered under your policy
cause to another person’s property through
the use of a covered automobile. It only
covers damage for which you or anyone
insured under your policy are legally
liable. The damage may involve a parked,
running or rolling automobile. The term
“property” is not limited to another
vehicle, and may include a fence, telephone
pole, or building. The terms and conditions
of your policy determine whether PDL
coverage applies to anyone using your
vehicle.
Bodily Injury
Liability
This coverage pays for death or serious
injury to others when you are legally liable
for an accident involving your automobile.
Your insurance company will pay for injuries
up to the limits of your policy and provide
legal representation if you get sued. This
coverage may be extended to others who drive
your vehicle with your permission.
Medical Payments
This coverage pays for medical expenses for
bodily injury up to the limit of your
policy. It covers your medical expenses,
plus those of your family members or
passengers, regardless of fault. It applies
whether you are in your automobile or
someone else’s, or if you are hit by an
automobile while walking or bicycling.
Uninsured/Underinsured Motorist
(UM)
This coverage pays for bodily injuries to
you, your family members and any other
person occupying your covered automobile,
should the injuries be caused by the
negligence of an uninsured or underinsured
motorist.
The following are examples in which UM
coverage may apply:
- if the at-fault party
has no liability insurance
- if the at-fault party
has liability coverage inadequate to pay
for the injuries incurred or
- if injuries result from
a hit-and-run vehicle.
UM pays for medical expenses
and lost wages that you and your passengers
may incur. This coverage also includes
payment for pain and suffering if you have a
permanent injury or death, up to the limit
of the policy.
Negligent
The term negligent has become known as
"failing to take proper care" while doing
something. By this definition, most drivers
are negligent every day, failing to pay 100%
attention or take proper care while driving. |
