Bodily Injury and Property Damage*

Coverage that pays when the insured is legally responsible (at fault) for bodily injury (including death) and property damage caused by the vehicle or operation of someone else's vehicle with permission. The limits selected must be the same for each vehicle listed on the policy. If a vehicle is garaged out of state, select limits that are equal or greater than the minimum limits in that state.

Uninsured Motorist Coverage*

Who is covered?

Uninsured Motorist Bodily Injury Coverage covers you, your resident relatives, and the passengers in your covered vehicle. This coverage only applies if it is determined that the other driver is at-fault and has insufficient or no liability coverage.

What does it pay?

Uninsured Motorist Bodily Injury Coverage applies to damages such as medical bills, lost wages, and pain and suffering resulting from bodily injuries caused by an at-fault driver who has insufficient or no liability coverage.

Uninsured Motorist Property Damage Coverage pays you for physical damage to your covered vehicle, which was caused by an at-fault driver who has no liability coverage. This coverage will also pay for physical damage to any property owned by you, which was in the covered vehicle at the time of the accident.

What are my choices?

Uninsured Motorist Coverage is required unless it is rejected in writing. The limits you select cannot exceed your Liability limits and the limit must be the same on each vehicle.

Uninsured Motorist Coverage - Added On to At-Fault Liability Limits (Uninsured Motorist – Added On) will pay you for your damages in addition to the at-fault driver's Liability Coverage limit up to your Uninsured Motorist – Added On Coverage limit. This coverage will be available for new business policies with inception dates on or after October 31, 2008 and renewal policies with inception dates on or after January 1, 2009.

Uninsured Motorist Coverage - Reduced by At-Fault Liability Limits (Uninsured Motorist – Reduced) will only pay you up to the difference between the at-fault driver's Liability Coverage and your Uninsured Motorist - Reduced Coverage limit. For new business which incepted prior to October 31, 2008 and renewal policies with inceptions dates prior to January 1, 2009 this coverage is referred to as “Uninsured Motorist”.

We understand that these coverage choices can be confusing and hopefully the attached examples will assist you in making an educated decision regarding the Uninsured Motorist Coverage that best suits your needs.

Example of Uninsured Motorist – Added On Coverage and Uninsured Motorist – Reduced Coverage Claim Payment Calculation

An underinsured driver fails to stop at a red light, hits your car and causes you to have $175,000 in damages. The at-fault underinsured driver (At-Fault's) has $50,000 of Liability Coverage. Your policy contains $100,000 of Uninsured Motorist Coverage.

Uninsured Motorist – Added On Coverage

(This coverage is also referred to as Uninsured Motorist Coverage - Added on to At-Fault Liability Limits.)

At-Fault's Liability Coverage Limit: $50,000

Your Uninsured Motorist - Added On Coverage Limit: $100,000

Total Amount of Your Damages: $175,000

Payment Break Out:

At-Fault's Liability Coverage = $50,000

Your available Uninsured Motorist - Added On Coverage = $100,000

Total Payment = $150,000 (a)

Amount Not Covered = $25,000 (b)

(a) The maximum available coverage in this example was $150,000 (At-Fault's Liability Coverage Limit + Your Uninsured Motorist - Added On Coverage Limit).

(b) Please notice that $25,000 of the loss was not covered.

Uninsured Motorist – Reduced Coverage

(This coverage is referred to as Uninsured Motorist Coverage - Reduced by At-Fault Liability Limits.)

At-Fault's Liability Coverage Limit: $50,000

Your Uninsured Motorist – Reduced Coverage Limit: $100,000

Total Amount of Your Damages: $175,000

Payment Break Out:

At-Fault's Liability Coverage = $50,000

Your available Uninsured Motorist – Reduced Coverage = $50,000 (a)

Total Payment = $100,000

Amount Not Covered = $75,000 (b)

(a) The total available Uninsured Motorist – Reduced Coverage you have in this example is $50,000, which is determined by subtracting the At-Fault's Liability Coverage Limit from Your Uninsured Motorist – Reduced Coverage Limit.

(b) Please notice that $75,000 of the loss is not covered.

Uninsured Motorist Property Damage (UMPD) *

Uninsured Motorist Property Damage Coverage covers you if your covered vehicle sustained property damage in an accident where the at-fault driver has no liability coverage. UMPD limits cannot exceed the limits chosen for Bodily Injury/Property Damage coverage.

Medical Payments*

Covers injury to individuals riding in the vehicle regardless of who caused the accident. The same coverage limits will apply to all vehicles on the policy. Bodily Injury coverage is required to select Medical Payments coverage.

Comprehensive Deductible*

Covers losses to the insured vehicle for reasons other than collision (Fire, theft, vandalism, wind, hail, breakage of glass, or impact with an animal). All losses, whether partial or total and regardless of which loss settlement option applies, are subject to the applicable deductible.

In some states a $0 or lower deductible for glass may be available. Comprehensive deductibles may vary between vehicles.

Collision Deductible*

Covers damage to the insured vehicle in the event it overturns or collides with another car or object, other than an animal. Collision deductibles may vary between vehicles. For stated amount vehicles, the deductible must be less than the vehicle value. Collision coverage also includes $1,000 to cover pet injuries or death resulting from an accident.

Rental Coverage*

Rental Reimbursement pays for rental car fees, up to the limit selected, if the customers' car is damaged and undriveable. This only applies to covered losses and not general maintenance. Please review the policy contract for complete coverage information. Rental Reimbursement can only be purchased on a car that has both comprehensive and collision.

Roadside Assistance*

Provides coverage if the insured's car is disabled due to a covered emergency and is available 24/7 in the United States and Canada.

• Towing: Covered vehicle can be towed within a 15-mile radius, or to the nearest qualified repair facility.

• Winching Service: Pulling a covered vehicle out of an area with a motor-powered cable or chain. Usually offered when a vehicle is trapped in mud, snow, water, or sand within 100 feet of road or highway.

• Battery: Jump-Start Battery failure.

• Fuel Delivery: Fuel delivered directly to the covered vehicle. The insured is responsible for the cost of fuel.

• Locksmith Service: Keys are lost, stolen or accidentally locked inside the covered vehicle, we will dispatch a qualified service provider. The insured is responsible for the cost to replace the keys.

• Flat Tire Change.

• On Scene Labor Related to disablement, up to one hour.

Loan/Lease Payoff*

Pays the difference between the vehicles Actual Cash Value (ACV) and the amount the insured owes a lender. Applies if the insured's car is deemed a total loss or stolen and the vehicle has comprehensive and collision coverage. This coverage pays up to 25% of the ACV. The lienholder must be listed on the policy and be a financial institution, not an individual. Loan/Lease payoff coverage is not available on stated amount vehicles.