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Medical Payments Coverage
Covers the medical costs (up to the specified limit you choose) resulting from an auto accident for you, your family, and others in your car. It pays regardless of fault.
Limited Tort
Offers savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses, however you are not able to recover non-monetary damages or receive payments for pain and suffering unless injuries are defined as serious.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Limits
The maximum amount of benefits the insurance company agrees to pay in the event of a loss.
Subrogation
The process in which an insurance company, after paying a loss to its insured, recovers the amount of the loss for damages (plus the insured's deductible) from the legally liable party.
Quote
An estimate of the cost of insurance based on information supplied to the insurance company.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
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