Coverages Review

Joe drove into a neighbor’s fence, nearly totaling his car, but was not hurt.

• Coll

• Comp

• Liab PD

• PIP

Joe reported that someone keyed his car while it was parked.

• Coll

• Comp

• Liab PD

• PIP

When driving up north to go camping for the weekend, Joe hit a deer that had jumped out in front of the car

• Coll

• Comp

• Roadside Assistance

• Towing and Labor

Joe rear ended another vehicle while the other vehicle was stopped in traffic. Both Joe and the other party sustained damage to their vehicles. Both parties had passengers in their vehicle. All four individuals involved are claiming injuries.

• Coll

• Comp

• Liab BI

• Liab PD

• Med Pay

Joe, our insured, stated that he was sitting in his vehicle at the grocery store when someone backed into his car. Joe also stated he is a little sore and will seek medical treatment.

• Liab PD

• Liab BI

• Med Pay

• Comp

Joe was sitting at a red light when the motorist behind him failed to stop and rear ended him. Joe sustained no injuries, but damages to his vehicle appraised at $6,000 and the at-fault party had liability limits of 25/50/10.

• Coll

• Comp

• PIP

• Liab BI

• Liab PD

Joe was sitting at a red light when the motorist behind him failed to stop and rear ended him. Joe sustained injuries worth $1,800 in medical bills and damages to his vehicle appraised at $13,000 and the at-fault party had liability limits of 25/50/10.

• MedPay

• Liab BI

• Liab PD

• UIMPD

• UIMBI

Joe was sitting at a red light when the motorist behind him failed to stop and rear ended him. Joe sustained no injuries but damages to his vehicle appraised at $6,000 and the at-fault party had a lapsed policy with liability limits of 25/50/10.

• Comp

• PIP

• UMPD

• Liab PD

• Coll

oe is driving on the freeway and loses control of his vehicle. He hits the car traveling in the lane to the right of him. Joe is not hurt, but he causes damage to the other car, the 2 passengers inside of that car, and then also hits a light pole.

• Coll

• Comp

• Liab BI

• Liab PD

During a storm, a tree falls onto Joe’s car, crushing it. The vehicle is so crushed that he cannot drive it.

• Coll

• Comp

• Rental Reimbursement

• Towing and Labor