Question 1

Bodily injury liability coverage

Accepted Answer

Pays for bodily injury or death resulting from an accident for which you are at fault and in most cases provides you with a legal defense.

Question 2

Property damage liability coverage

Accepted Answer

Provides you with protection if your vehicle accidently damages another person's property and in most cases provides you with a legal defense.

Question 3

Combined single limit (CSL)

Accepted Answer

Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.

Question 4

Medical payments, no-fault or personal injury coverage

Accepted Answer

Usually pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.

Question 5

Uninsured motorist coverage

Accepted Answer

Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

Question 6

Comprehensive physical damage coverage

Accepted Answer

Pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.

Question 7

Collision coverage

Accepted Answer

Pays for damage to your vehicle when it hits or is hit by another object.

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