It’s important to understand all the wording and phrases used within your auto insurance policy. Simply Insurance strives to make sure every one of our customers fully understand the coverages and limitations set forth by their policy. This list provides definitions for the most common terms used in auto insurance coverage.
Know Your Policy
Bodily Injury coverage pays for THE OTHER DRIVER’S medical expenses, lost wages, as well as pain and suffering due to an automobile accident caused by you, the insured.
Uninsured Motorist coverage pays for medical expenses, lost wages, as well as pain and suffering for YOU due to an automobile accident caused by an uninsured driver.
This coverage increases your coverage for medical expenses, lost wages, as well as pain and suffering for YOU due to an automobile accident caused by a driver who does not have enough insurance to pay for these damages.
This coverage pays for damage you cause due to an automobile accident, including damage to buildings and other vehicles, fences, road signs, etc. It does NOT cover damage to your own vehicle.
This coverage pays for reasonable medical expenses for you or others injured while riding in your vehicle. Coverage is limited to your policy limits. For example, if you have $25,000 per person coverage, but your hospital bill totaled $40,000, only $25,000 would be covered by your auto insurance.
Uninsured Motorist Property Damage
If an insured does not have collision coverage, this coverage will cover damage to your vehicle as long as you can identify the other at-fault vehicle. (Deductibles apply)
This coverage pays for damage caused by an incident other than collision. (i.e. vandalism, theft, hail, etc.) (Deductibles apply)
This coverage pays for the damages to YOUR auto involving an accident caused by you, the insured, with another vehicle or collision with a permanent object such as a tree or sign. This coverage also covers damages to YOUR auto when involved in an accident caused by an uninsured driver. (Deductibles apply)
This coverage is in addition to your liability coverage and is a combination of comprehensive and collision coverage. (Deductibles apply)
Add On Coverage
These coverages are optional and not automatically included in your auto policy.
Roadside Assistance (Add On)
In the event your vehicle is disabled, assistance will be dispatched to your current location. For example: flat tire, tow, dead battery, etc.
Travel Protection (Add On)
If your car is not drivable in the event of a collision, this coverage will provide a reimbursement for alternate transportation such as a rental car or taxi.