Personal Auto

Part A - Liability

100

Minimum Limits

30/60 BI
20 PD

80,000 combined

200

Supplementary payments

Pays above and beyond
(Court cost, Loss of income up to 250 to testify in court, bonds)

300

Exclusions

You and Yours

Intentional acts

employees injured on job

Coverage by garage mechanic/valet

Public or livery conveyance

400

Special 

Damages that have a specific amount attached (medical, lost wages, etc)

Part B - ME/LOI

100

Medical payment coverage on Auto

Pays to 1st party, regardless of fault

200

Must be offered with a limit of ...

2,000 for med

100wk / 52wks for LOI

300

Statute of limitations on Medical Payments

3 yrs

400

Type of limit

Per person

500

Who is covered?

Named insured, spouse and resident relatives while occupying any vehicle or struck as a pedestrian

Guest passengers

Part C- Uninsured/Underinsured

100

Must match...

Part A liability, can be lowered in writing to state miniums

200

Deductible for Hit and Run

200

300

Uninsured Pays when...

At fault party's insurer denies coverage, at-fault party didn't purchase insurance, owner or operator of the motor vehicle is immune from liability, hit and run 

400

Underinsured pays when...

When the at-fault party does not have enough coverage.

Part D - Physical Damages

100

Collision provides coverage..

For your own vehicle when hitting an object other than a living animal or roll over (upset)

200

Other than collision provides coverage...

Open peril coverage with a deductible, covering: theft, flood/fire/earthquake/windstorm hail/vandalism, impact with a living animal, glass breakage, falling objects (aka missiles)

300

Right of Salvage

Insurers have the right to property after paying claim during total loss, insured can keep property if either pay the money back or dont accept the money in total.

400

Exclusions

Inherent vice, company cars/garage keepers/livery, electronic equipment unless permanently installed, freezing of an engine.

Part E/F- Duties/Provisions

100

Cancellation/non-renewal 

Underwriting (1st 60 days)- 10 days for any reason

Non-payment (after 60) - 15 days
Other (after 60) - 45

200

If more than one policy covers the loss, this is the clause that shows how the loss will be covered

Other Insurance Clause

300

General Provisions in Auto Policy

US, Us Possessions, Puerto Rico, and Canada

400

Duties after a loss

Promptly notify the company or agent, notify the police if theft is involved, cooperate with the insurer, submit a signed proof of loss statement within 60 days after loss

500

Clause that extends coverage to any driver with expressed or implied consent to use the insured auto

Omnibus Clause