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22 Cards in this Set

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Bodily Injury Coverage Limits

21st Century Insurance

California
$15,000 / $30,000* 15/30
$25,000 / $50,000 25/50
$50,000 / $100,000 50/100
$100,000 / $300,000 100/300
$300,000 / $300,000 300/300
$250,000 / $500,000 250/500
* California state minimum
Property Damage Description

21st Century Insurance
California
This coverage protects you when you are involved in an automobile accident that causes damage to another person’s automobile/property and you are found to be legally liable. It provides coverage to you & your resident relatives while driving a rented vehicle or when you borrow a vehicle from a person who is not a member of your household. Your policy also extends coverage to someone who operates your automobile with your permission and that person is not subject to any valid endorsement or exclusion. This coverage also pays for related expenses incurred as a result of a lawsuit filed against you.
Bodily Injury Description

21st Century Insurance

California
This coverage protects you in the event that you are involved in an automobile accident that causes injury or death to another person(s) and you are found to be legally liable. It provides coverage to you and your resident relatives while driving a rented vehicle or when you borrow a vehicle from a person who is not a member of your household. Your policy also extends coverage to someone who operates your automobile with your permission and that person is not subject to any valid endorsement or exclusion. This coverage also pays for related expenses incurred as a result of a lawsuit filed against you.
Property Damage Description

21st Century Insurance

California
This coverage protects you when you are involved in an automobile accident that causes damage to another person’s automobile/property and you are found to be legally liable.

It provides coverage to you & your resident relatives while driving a rented vehicle or when you borrow a vehicle from a person who is not a member of your household.

Your policy also extends coverage to someone who operates your automobile with your permission and that person is not subject to any valid endorsement or exclusion.

This coverage also pays for related expenses incurred as a result of a lawsuit filed against you.
Property Damage - Coverage Limits

21st Century Insurance

California
PD
$ 5,000 - California State Minimum
$ 10,000
$ 25,000
$ 50,000
$100,000
Medical Payment - Description

21st Century Insurance
California
This coverage protects you, your resident relatives and guest passengers up to the limit you selected on your policy and pays for hospital costs, medical treatment and funeral expenses incurred within one year of the accident.

Coverage will be provided to you and your resident relatives while passengers in another vehicle, or pedestrians and bicyclists.

When you are a passenger in another vehicle, your policy is excess of that vehicle's coverage.
Excess Medical Payments Description

21st Century Insurance
California
This coverage is equal to the Medical Payments coverage (see definition), but the payment under this coverage is non-contributory and excess to any other valid and collectible medical insurance.

If an insured recovers damages from another person or organization, and we made payments under this coverage, the insured must hold in trust for us the proceeds of the recovery, and reimburse us to the extent of our payment.
Medical Payments & Excess Medical Payments
Coverage Limits

21st Century Insurance
California
Regular Excess
$ 1,000 $ 1,000
$ 2,000 $ 2,000
$ 5,000 $ 5,000
Uninsured Motorist Bodily Injury Description(UMBI)

21st Century Insurance
California
If the driver or owner of the other motor vehicle involved in the accident makes physical contact, is legally liable BUT UNINSURED OR UNKNOWN, the bodily injury benefits of Uninsured Motorist coverage will be available to you, your resident relatives or the occupants of your car.

Coverage also includes UNDERinsured Motorist protection if the other driver’s Bodily Injury limits are less than your Uninsured Motorist limits.
Uninsured Motorist Bodily Injury (UMBI)Coverage Limits

21st Century Insurance
California
$15,000 / $30,000 15/30
$25,000 / $50,000 25/50
$30,000 / $60,000 30/60
$50,000 / $100,000 50/100
$100,000 / $300,000 100/300
Comprehensive - Description

21st Century Insurance
California
This coverage pays for the loss of or damage to your insured automobile caused by something other than a collision or impact with another vehicle or object.

Coverage will be provided for losses resulting from perils such as fire, theft, vandalism, and windstorm.

It provides coverage to you and resident relatives, not subject to any valid endorsement, while driving a rented vehicle or when you borrow a vehicle from a person who is not a member of your household.

This coverage is excess over any other similar coverage for the vehicle.

NOTE: Optional coverage, but is usually required if the vehicle is financed.
Comprehensive - Deductible Limits

21st Century Insurance
California
ACV – Actual Cash Value
$50
$100
$250
$500
$1000
Collision - Description

21st Century Insurance
California
This coverage pays for damages to your insured automobile as a result of collision with another automobile or object or an upset.

It provides coverage to you and your resident relatives, not subject to any valid endorsement, while driving a rented vehicle or when you borrow an automobile from a person who is not a member of your household.

This coverage, however, is excess over any other similar coverage for the vehicle.

NOTE: Optional coverage, but usually required if the vehicle is financed.
Collision - Deductible Limits

21st Century Insurance
California
$100
$200
$300
$500
$1000
Uninsured Motorist
Property Damage – Deductible Waiver
(UMPD Waiver)
Description

21st Century Insurance
California
Pays for Collision deductible if damage to your car is caused by direct physical contact with an UNINSURED motor vehicle and when the uninsured vehicle and the driver or owner can be IDENTIFIED.

You can select this coverage for any vehicle covered by Collision in an amount that matches your Collision deductible.
Uninsured Motorist
Property Damage - $3500 (UMPD 3.5)
Coverage Limits

21st Century Insurance
California
One limit - $3,500
Uninsured Motorist
Property Damage - $3500 (UMPD3.5)
Description

21st Century Insurance
California
Covers damage to your car caused by direct physical contact with an UNINSURED motor vehicle, provided the uninsured vehicle and the owner or driver is IDENTIFIED and that person is LEGALLY LIABLE.

NOTE: This coverage is available for any insured vehicle, which is NOT already covered for Collision.
Uninsured Motorist
Property Damage – Deductible Waiver (UMPD - Waiver)

Coverage Limits

21st Century Insurance
California
$100
$200
$300
$500
$1000

NOTE: Must match the Collision deductible on the vehicles selected
Towing and Labor - Description

21st Century Insurance
California
An included coverage (no additional premium charge) that provides the customer with towing and 24 hour roadside assistance when their covered vehicle is disabled (i.e., dead battery, lost keys).

NOTE: 21st Roadside Assistance can be reached at 1-800-894-6090.
Rental Reimbursement

21st Century Insurance
California
Reimburses the customer for the expenses incurred due to the rental of a substitute vehicle from a public rental agency if the insured vehicle is disabled due to a loss that is covered under Comprehensive or Collision coverage.

Reimbursement does not include charges for collision damage waiver, mileage, or fuel.

NOTE: This coverage is available for any insured automobile covered for Comprehensive or Collision.
ADDITIONAL EQUIPMENT - Description

21st Century Insurance
California
Additional Equipment - means any of the following equipment, which is not the vehicle manufacturer’s standard equipment or installed by a factory authorized dealer at the time of purchase:

(a) any video, electronic sound reproducing or transceiving equipment and its component parts.

(b) any painted or finished surface, whether refinished in whole or in part, of any automobile insured under this part where the claim exceeds the cost of duplicating the vehicle manufacturer’s standard surface finish.

(c) tires, wheels or any exterior surface equipment, or modification thereto, which exceed the cost of repairing or replacing the vehicle manufacturer’s standard equipment.

(d) any engine, transmission or suspension parts, or modification thereto, which exceeds the cost of repairing or replacing the manufacturer’s standard equipment.
ADDITIONAL EQUIPMENT - Limits

21st Century Insurance
California
$1000 (included in the purchase of Comprehensive or Collision)
$2000
$3000
$4000
$5000