Personal Auto Insurance

Front 1

Two major automobile exposures for which people seek protection.

Back 1

liability and Protection for damage to their vehicle

Front 2

Personal Auto Policy (PAP)

Back 2

Contains property and liability coverage.

Front 3

Definitions

Back 3

Define certain key terms used in the policy.

Front 4

Family Member

Back 4

Any person related to the named insured who is a resident of the insured's household.

Front 5

Bodily Injury

Back 5

Bodily Harm, Sickness, or Disease including death, that result from any of these.

Front 6

Occupancy

Back 6

in a vehicle, upon a vehicle, getting into, onto, out of, or off of a vehicle.

Front 7

Property Damage

Back 7

Physical injury to, destruction of, or loss of use of tangible property.

Front 8

Part A

Back 8

Liability Coverage, covers damage for bodily injury or property damage that the insured becomes legally responsible for because of an auto accident.

Front 9

Part B

Back 9

Medical Payments Coverage, provides protection for the named insured, family member, and passengers in the named insured's auto for injuries received in an accident, regardless whos at fault.

Front 10

Part C

Back 10

Uninsured Motorist Coverage, coverage indemnifies the insured for BI only as a result of an accident with a legally liable uninsured motorist.

Front 11

Before the insured can be indemnified under Part C, four conditions must be met.

Back 11

The loss must be caused by an auto accident and involve bodily injury.

The loss must be sustained by an insured.

The insured must be legally entitled to recover for BI damages.

The other vehicle must meet the definition of an uninsured vehicle.

Front 12

Definition of an Uninsured Motor Vehicle

Back 12

has no liability coverage at the time of the accident.

has liability coverage but not enough to meet the states financial responsibility requirement.

operated by a hit and run driver.

has invalid insurance coverage due to the insurer being insolvent.

Front 13

Insured for uninsured motorist coverage includes

Back 13

The named insured and family members.

Anyone occupying the named insured's covered auto.

Any person entitled to recover damages because of BI caused by an uninsured to the named insured, family members, or passengers in the covered auto. `

Front 14

Part D

Back 14

Coverage for Damage to Your Auto,

Front 15

Collision

Back 15

The impact of an auto covered by the policy with another object or vehicle, or the upset of a vehicle.

Front 16

Other Then Collision

Back 16

Pays almost every other type of direct accidental loss to the vehicle that is not specifically excluded by the policy.

Front 17

Transportation Expenses limits

Back 17

up to $20 per day

Maximum of $600

Front 18

Part E

Back 18

Duties After an Accident or Loss

Front 19

Part F

Back 19

General Provisions

Front 20

Reasons an insurer may cancel a policy that has been renewed, continued, or in effect for over 60 days.

Back 20

nonpayment of premium

material misrepresentation in obtaining the policy.

A regular operator of the vehicle has had his driver's license suspended or revoked.

Front 21

Nonrenewal requires how many days advance notice?

Back 21

20 days

Front 22

Joint Ownership Coverage

Back 22

The policy can be issued to two or more people who live in the same household or two or more people who are related in another way besides being spouses.

Front 23

Towing and Labor Costs

Back 23

Reimburses the insured for the cost of having a vehicle towed.

Front 24

Miscellaneous Type Vehicle

Back 24

May be issued to provide coverage for motorcycles, mopeds, and recreational vehicles.