Bodily Injury Liability (BI): Coverage for bodily injury of a third party for which the insured becomes legally liable for arising from the automobile accident. 

Property Damage Liability (PD): Coverage for damage to the property of a third party for which the insured becomes legally liable for arising from the automobile accident. 

Physical Damage - Comprehensive: Coverage for the insured vehicle(s) in the event of damage to the vehicle resulting from a cause other than collision. 

Physical Damage - Collision: Coverage for the insured vehicle(s) in the event of damage to the vehicle(s) resulting from a collision. 

Medical Payments: Coverage for the medical/funeral expenses incurred by you and/or your passengers in a covered auto in the event of injury during the accident.

Rental Reimbursement: Coverage provided as reimbursement for the rental expenses incurred by the insured during the period in which the vehicle is being repaired due to the automobile accident. 

Roadside Assistance: Coverage provided in the event of vehicular disablement. 

Uninsured Motorists Bodily Injury (UMBI): Coverage for bodily injury of the insured person(s) caused by an uninsured motorist or a hit-and-run driver. 

Uninsured Motorists Property Damage (UMPD) – (Available in all states except for Missouri): Coverage for property damage of the insured vehicle(s) caused by an uninsured motorist or a hit-and-run driver. 

*Underinsured Motorists Bodily Injury (UIM) – (Available in: Arkansas, Illinois, and Missouri): Coverage for bodily injury of the insured person(s) caused by another party who does not carry a sufficient amount of auto liability coverage. This coverage will pay the difference up to the limits of your policy. 

Personal Injury Protection (PIP) –Medical Payments (Arkansas Only):Coverage for the medical/funeral expenses incurred by you and/or your passengers in a covered auto in the event of injury during the accident. 

Personal Injury Protection (PIP) - Work Loss (Arkansas Only): Coverage for income loss of an insured stemming from the inability to work due to injuries sustained in the automobile accident. 

Personal Injury Protection (PIP) - Accidental Death (Arkansas Only): Coverage to be paid in the event that bodily injury resulting from the automobile accident causes death within 1 year from the date of the accident. 

Customization Coverage: Provides coverage for aftermarket custom equipment. 

*Underinsured Motorists Coverage is included with Uninsured Motorists Coverage for the following states: Alabama, Tennessee and Virginia.

These definitions provide a brief description of the coverages offered and some of the terms and phrases used in connection with vehicle insurance. These definitions are not applicable in all states or for all products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages as they apply to your policy. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy apply.

 

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