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11 Cards in this Set
- Front
- Back
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Your covered Auto... |
-GVW < 10k lbs, GVW <25k lbs with endorsement -If vehicle REPLACES existing auto, same coverage as the one it replaced -If vehicle is an ADDITION, the broadest coverage on policy will apply. |
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Part A - Liability coverage - Supplementary payments |
No extra premium! -$250 in bail bonds -premiums on appeal bonds -interest accruing after a judgement |
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Part A - Liability coverage - Exclusions |
-Intentional acts -damage to property owned or being transported by that person -being used to carry people for a fee (endorsement for uber can be added) -unauthorized people using vehicle |
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Part C - Uninsured/Underinsured coverage - Exclusions |
The first $250 of the amount of damage to the property of that person |
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Texas Auto sections on Declarations page |
Part A - Liability. state minimum is 30/60/25. 30k each person, 60k per accident, 25k in property damage Part B1 - Medical payments Part B2 - PIP Part C - uninsured/underinsured Part D - coverage for damage to your vehicle (comp/collision) |
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Part D - Coverage for damage to your auto - definition of collision, examples |
means the upset or collision with another object. Examples - running into a tree, shopping cart, store sign |
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Part D - Coverage for damage to your auto - examples of comprehensive |
falling objects, fire, theft or larceny, explosion or earthquake, riot or civil commotion, contact with a bird or animal |
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Part D - Coverage for damage to your auto - Transportation expenses |
different than rental car coverage -only in the event of total theft, begins 48 hours after the theft -$20 per day, maximum of $600 -ending when covered auto has been returned or we pay for its loss |
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Part D - Coverage for damage to your auto - Exclusions |
-Damage due to wear and tear -freezing -mechanical or electrical breakdown -road damage to tires -loss of stereos or other sound equipment unless it is permanently attached to vehicle -CB radios, mobile phones, scanners, radar detectors |
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Part E - Duties after a loss |
-Insured must cooperate with us -We have 15 days to acknowledge claim and begin investigation -15 days to complete claim -or 30 days if we believe there was arson -or if we request more time, we have 45 days to complete claim -upon completing claim, we must pay within 5 business days |
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Mexico coverage |
applies only if: -trips are infrequent -within 25 miles of border |
