A-Liability Coverage

B-Medical Payments

C-Uninsured Motorist

D-Coverage for damage to YOUR auto

E-duties after an accident

F-General Provisions

• shown in the Declarations
• A newly acquired auto.
• Any trailer that the insured owns
• a temporary substitute

• Any auto or “trailer” the named insured doesn’t own while being used.
• is NOT a “your covered auto” under Part D

• vehicles for which the insured becomes the owner during the policy period
• For all coverages EXCEPT Part D coverage begins on the date the named insured becomes the owner
• additional vehicle = 14 days to report

Part A Liability

(Insuring agreement)

• Pay damages for bodily injury or property damage
• Settle/defend and claim/siut
• Pay all defense costs, in addition to the liability limits

Exclusions:

• Named inured or family member
• Any person using the covered auto with permission

Part-A Liability

(Supplementary Payments)

• Bail bonds up to 250
• Pay premiums on appeal bond
• Any interest that accumulates
• $200 a day for loss of earnings  due to trial
• reasonable expenses

NOT included -Traffic fines

• Intentionally causes damage
• damage to property he or she owns or is transporting
• causing bodily injury to an employee of that insured
• vehicle while it’s being used as public or livery conveyance
• employed or engaged in the business of selling, repairing, servicing, storing, road testing or parking motor vehicles
• Use of vehicle while engaged in business
• Using without entitlement
• Less than 4 wheels
• Inside racing area

Part A – Liability Coverage

(Limit of Liability)

• maximum limit paid under Part A is shown on the policy’s Declarations

Limit shown is the most the insurer will pay regardless of:

Insureds

• Claims made
• Vehicles or premiums shown in the Declarations
• Vehicles involved in the accident

Part A

Split Limit

• amounts of coverage for bodily injury and property damage are separate
• a bodily injury (BI) limit per person, a bodily injury (BI) limit per accident, and a separate limit for property damage (PD) per accident

Part A

Combined Single Limit

The limit of the policy may be applied to bodily injury (BI) and/or property damage (PD).

• has a maximum aggregate per accident

Part B - Medical Payments Coverage

(Insuring Agreement)

• insurer will pay reasonable expenses
• incurred within 3 years of the accident
• NOT required to be responsible for causing injuries

Covers:

• named insured or any family member occupying any auto or as a pedestrian when struck
• vehicles do NOT have to be owned by the insured
• Any Person occupying insured auto

Part B

Exclusions

• Less than 4 wheels
• Occupying a vehicle used as public trans
• occupying vehicle that is located for use as a residence
• During course of employment
• struck by a vehicle owned by a family member that is not a “your covered auto”
• Without beliefe he/she is entitled
• war or nuclear hazard or action
• inside a racing facility

Part C - Uninsured Motorists Coverage

(Insuring Agreement)

• provides insurance to insured persons injured in accidents that are caused by another party.
• other party must be legally responsible for bodily injury to an insured
• other party is NOT legally responsible (or not at-fault), NO COVERAGE

will pay damages that an insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle

• only applies to bodily injury damages.

• Has no insurance/bond during accident
• Has insurance but limits less than owed
• Hit and Run
• Their insurance denies claim/becomes insolvent

Part C

(Exclusions)

• Insired struck by their vehicle NOT on a policy
• being used as a public or livery conveyance
• using a vehicle without a belief of entitlment
• While insured by workers’ compensation or disability insurance
• If the insured is legally responsible for punitive

• protects the insured against drivers who do have auto liability insurance, but whose coverage limits are inadequate or insufficient

Part D – Coverage for Damage to Your Auto

(Insuring Agreement)

• pays for direct and accidental damage, regardless of fault
• Deductible amount shown on Dec page for Collision coverage and Other Than Collision coverage

Collision

Part D

Part D

Other Than Collision (OTC, Comprehensive)

• Provides coverage on an open perils basis
• Acts of nature (Thift, Animals, fires, Falling objects)

Comprehensive covers all of the following losses, except:

Part D

(Transportation Expenses)

• No deductible
• maximum of $20 per day up to $600

Theft: 48hours

Other Peril: 24 hours

•  being used as a public or livery conveyance
• maintenance issues
• war or nuclear hazard
• Electronic equipment, unless it’s permanently installed
• Gov destruction
• Loss to radar and laser detection
• (Only liabilty = NO rentals covered)

The insurer’s limit of liability for a vehicle damaged by a comprehensive or collision loss is the least of the following, except:

Totaled value

If the vehicle is beyond repair, or totaled, the value of the vehicle is adjusted by depreciation and the condition of the vehicle.

• how, when, and where the accident or loss occurred (Names/Addresses also)
• Cooperate with investigation
• Send insurer notices/legal papers
• Physical exam if required
• Authorize the insurer to obtain reports/records

Calling the police is only a duty when seeking uninsured motorist coverage.

General Provisions of the personal auto policy apply to all sections of the policy. Spell out the obligations

• Bankruptcy
• Changes
• Fraud
• Legal Action Against the insurer
• Right to Recover Payment
• Termination
• Transfer of your Interest in polict
• 2+ Auto Policies

Part F – General Provisions

Termination

Cancellation

Cancellation

 first 60 days of a new policy - insurer can canel for ANY reason

10 days- Required for cancel due to NON-PAYMENT

20 days- All other reason

After 60 days cancellation:

-Non payment

-Policy obtained by fraud

-Suspension on license

Part F – General Provisions

Termination

Non-renewal

-insurer may elect to non-renew a policy

-20 days advance written notice must be provided

Part F – General Provisions

Termination

Automatic Termination

policy automatically terminates if the insured fails to accept or pay for a renewal or continuation of the policy

OR

secures other auto insurance

Endorsment

Excess Electronic Equipment Coverage

• Coverage increases the policy limit from $1,000 to the amount shown on the endorsement
•  $200 for media