Types of Coverages

Liability
Your liability coverage will pay for bodily injury and property damage for which any covered individual becomes legally responsible. The Personal Automobile Policy will cover you or any family member while using any automobile or trailer, and any person using your covered automobile with permission. The policy will pay up to the limits listed in your policy.

Collision
Collision means physical damage to your covered vehicle caused by an impact with another vehicle or object. This coverage pays the lesser of the cost of repair or Actual Cash Value (ACV) of your automobile.

Other than Collision (comprehensive)
This coverage pays the cost of repair or ACV of your automobile less any deductible. Losses caused by the following are considered comprehensive claims:

Missiles or falling objects;
Fire;
Theft or larceny;
Explosive or earthquake;
Windstorm;
Hail, water or flood;
Malicious mischief or vandalism;
Riot or civil commotion;
Contact with a bird or animal; or
Breakage of glass.

Medical Payments Coverage
This coverage pays for reasonable and necessary medical and funeral expenses due to an automobile accident. Individuals covered under this coverage include:
You or any family member while occupying any automobile, or as a pedestrian when struck by a motor vehicle; or
Any other person while occupying your covered automobile or any vehicle (private passenger automobile or trailer licensed for road use) driven by you or a family member.

The policy will pay up to the limits listed in your policy for each individual injured.

The medical payments coverage will not provide coverage for any expenses if the injuries occur while occupying a motorized vehicle with less than four wheels.

Uninsured Motorists (UM) Coverage
Your Uninsured Motorist Coverage will provide protection when an uninsured driver, who is at-fault, injures you or another covered individual. It also provides property damage coverage.

Underinsured Motorists (UIM) Coverage
This coverage will provide protection when an underinsured driver, who is at-fault, causes injury to a covered individual. An underinsured driver is one whose limits of liability are less than your UIM limits, and not enough to cover the losses of the people the underinsured driver injures in an at-fault accident.

UIM coverage does not provide protection against property damage. The UIM coverage will pay a maximum of the difference between the other driver's Liability limits and your UIM limits.