GLOSSARY OF TERMS

Anti-theft Device - Anti-theft devices are permanently installed on your vehicle to inhibit theft. Mechanical devices such as steering wheel lock bars, shifter locks, and brake pedal locks are NOT considered anti-theft devices for Insurance rating purposes.

Bodily Injury Liability - This coverage pays for injuries that you cause someone else when an accident is your fault.

Collision Coverage - This coverage pays for damage to your car resulting from a collision with another car or object. Usually required by the Finance Co., if there is an existing loan on the insured vehicle.

Comprehensive Coverage - This coverage pays for damage to your car caused by something other than a collision, such as theft, hail, flood, vandalism or contact with animals. Also required by the Finance Co. If there is an existing loan on the insured vehicle.

Deductible - Your deductible is the out of pocket amount you would be required to pay in the event of an insurance claim before your Insurance coverage kicks in.

Medical Payments - This coverage pays for medical expenses for injuries sustained by you and other passengers in your vehicle, regardless of who is at fault.

Property Damage Liability - This coverage pays for damage caused by you to another person's property, such as a fence or telephone pole.

Rental Reimbursement Coverage - This coverage pays toward the expense of renting a vehicle if it becomes inoperable due to an accident. This coverage is only available if you have Comprehensive and Collision Coverage.

Special Equipment Coverage - This coverage pays for items damaged or stolen that are not included under standard insurance packages. This coverage is only available if you have Comprehensive and Collision Coverage.

SR-22 Insurance - SR-22 Insurance is required for a driver whose license has been suspended or revoked, or who has been involved in an accident without any auto insurance coverage at the time. SR-22 Insurance must be notify to the Department of Motor Vehicles when your policy is purchased, terminated or lapses for any reason.

Towing Coverage - This coverage provides reimbursement to tow your vehicle or pay in case of a breakdown. This coverage is only available if you have Comprehensive and Collision Coverage.

Uninsured Motorist Coverage - This coverage pays medical expenses for you and your passengers for bodily injuries sustained as a result of an accident with a legally liable uninsured motorist or a hit and run driver.

VIN - Your VIN (Vehicle Identification Number) is a 17-digit alphanumeric code that identifies the make and model of your vehicle. It provides information about safety features that are standard on your vehicle, which can affect your insurance premium.