UM/UIM/PIP
This coverage applies when the at-fault driver doesn’t have enough liability insurance to cover damages.
What is Underinsured Motorist Coverage (UIM)?
This type of coverage protects against theft, vandalism, and natural disasters.
What is Comprehensive Coverage?
This rating factor is determined by the zip code where the vehicle is principally garaged.
What is the territory?
This exclusion prevents coverage from being extended when a vehicle was involved in a demolition contest.
What is the Racing Exclusion?
This duty requires the insured to notify the carrier as soon as an accident occurs.
What is Prompt Notice?
This trigger compares the insured’s UIM limits to the liability limits of the negligent party.
What is a limits trigger?
The maximum deductible for comprehensive losses per accident is limited to highest listed deductible times this number.
What is five?
This classification applies to vehicles delivering goods to households.
What is Retail Use?
If damages result from theft of the auto, this exclusion for general wear-and-tear no longer applies.
What is the Maintenance Exclusion?
This waiver prevents the insured from impairing the insurer’s right to recover damages.
What is the Waiver of Subrogation?
This type of no-fault plan adds PIP benefits without restricting the right to sue.
What is the Add-On Plan?
This endorsement covers the difference between ACV and the remaining loan balance.
What is Auto Loan or Lease Gap Coverage (CA 20 71)?
This endorsement allows insurers to charge a flat rate per vehicle in a fleet.
What is the Composite Rate Endorsement?
This exclusion applies to property before loading or after unloading.
What is the Handling of Property Exclusion?
This duty ensures the insurer can recover damages from a negligent third party.
What is Transfer of Rights of Recovery?
This group of people is eligible for PIP benefits, even if they weren’t in the insured vehicle.
Who are pedestrians hit by the insured auto?
In order to be covered, Towing & Labor Coverage requires labor to be done at this location.
What is the place of disablement?
For the driving radius to be classified as intermediate, the insured driving radius must be between these numbers of miles.
What are 51 and 200?
This exclusion does not apply if the equipment is permanently installed and powered solely by the auto's electrical system.
What is the Electronic Equipment Exclusion?
This endorsement protects insureds who had no knowledge of an occurrence.
What is XIC 406: Broad Knowledge of Occurrence?
The practice of combining the UM/UIM limit from multiple vehicles listed on the policy to increase the limit.
What is intrapolicy stacking?
The Transportation Expenses Coverage will reimburse some rental expenses in the case of a theft, but the insured must wait this long first.
What is 48 hours?
The classification code for Rule 31 Private Passenger Type Autos.
What is 7398?
This exclusion applies to loss in market value after a covered accident.
What is the diminution exclusion?
According to the Other Insurance Provision, the insured's policy will respond as excess coverage for liability and as primary coverage for physical damage for these kinds of autos.
What are hired autos?