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Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
Medical Payments Coverage
Covers the medical costs (up to the specified limit you choose) resulting from an auto accident for you, your family, and others in your car. It pays regardless of fault.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Nonrenewal
The termination of an insurance policy at its normal expiration date.
Insured
The person(s) entitled to coverage in case of an accident or loss.
Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
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