Private Passenger Automobile

Ordinary cars, station wagons and jeeps, utility autos (pick-ups, panel trucks and delivery vans of 1,500 lbs. or less, not used commercially) and utility trailers designed to be pulled by a private passenger auto.

Terms Defined

Bodily Injury

Bodily injury liability coverage pays for damages you, or your business, are legally liable for resulting from injuries or death to others related to the ownership or operation of covered vehicles.

Medical expenses, loss wages, and court cost are among the types of expenses covered through bodily injury coverage.

Combined Single Limits vs. Split Limits

Liability insurance limits for Bodily Injury and Property Damage coverage may be purchased either under a single limit for both, or a separate (split) limit for each.

Example: Combined single limit may be $500,000.00 for both Bodily Injury and Property Damage.

You are liable for an accident causing $300,000 of medical bills and $200,000 of property damage. Since the combined damages are equal or less than the combined single limit of $500,000, your insurance pays all the bills.

Split Limits may be $250,000 per person and $500,000 per occurrence for Bodily Injury and $100,000 per accident for Property Damage.

You cause the same accident. If the $300,000 in medical bills are for a single person, your insurance will only pay $250,000. Since you have only $100,000 in Property Damage, $100,000 is the amount your insurance company will pay.

Medical Payments

Medical payments coverage pays for injuries to persons in the covered vehicle, up to the stated limits, regardless of whether you, or your business, are legally liable.

Medical payments are paid in excess of other collectible insurance for each person injured.

Property Damage

Property damage liability coverage pays for damages you, or your business, are legally liable for resulting from damage to the property of others related to the ownership or operation of covered vehicles.

Damage to the other party’s property and legal costs associated with the event are among the types of expenses covered through property damage coverage.

Underinsured Motorist

Addition to a personal automobile policy (pap) that covers an insured who is involved in a collision with a driver who does not have sufficient liability insurance to pay for the damages.

Uninsured Motorist

Endorsement to personal automobile policy (PAP) that covers an insured involved in a collision with a driver who does not have liability insurance.