4.3 Automobile Insurance Vocabulary

What does personal injury protection (PIP) insurance cover?

• Medical expenses of anyone injured in an accident regardless of who is at fault.

• Physical injuries sustained while in the vehicle only if you are not at fault.

• Towing or road service when your car is disabled.

• Repair or replacement of your car if it's damaged in a collision

What does comprehensive insurance cover?

• Medical expenses of anyone injured in an accident.

• Repair or replacement of parts of your car damaged by disasters.

• Injuries to you or your passengers caused by an uninsured driver.

• Damage to other people's property.

When is collision insurance necessary?

• When your car is stolen.

• When you need a rental car.

• When your car is damaged by vandalism or fire.

• When your car is damaged in a collision with another vehicle or object.

What does emergency road service insurance cover?

• Damage to other people's property.

• Repair or replacement of your car if it's damaged in a collision.

• Injuries to you or your passengers caused by an uninsured driver.

• Towing or road service when your car is disabled.

The type of insurance that covers bodily injury if you are at fault in an accident.

• Property Damage Liability

• Bodily Injury Liability

• Uninsured Motorist Protection

• Personal Injury Protection

What does property damage liability (PD) insurance cover?

• Pays for damage to other peoples' property not including a telephone pole, fire hydrant, or another car.

• Pays for damage other people cause to your property.

• Pays for damage you cause to other peoples' property.

• Pays for damage you cause to your own property.

What does uninsured motorist protection (UMP) insurance cover?

• Pays for injuries to you or your passengers caused by a driver who has no insurance.

• Pays for injuries to you or your passengers caused by a driver who has insurance.

What does car-rental insurance cover?

• Pays you for the entire cost of a rented car if your car is disabled because of a collision.

• Pays you for part of the cost of a rented car when you go on vacation.

• Pays you for part of the cost of a rented car if your car is disabled because of a collision.

• Pays you for part of the cost of a rented car when you get an oil change.

What is covered by emergency road service insurance?

• road service fee

• gas

• oil

• parts and labor

responsible

• Liable

• Innocent

• Actuary

• Claim