The likelihood that something will be lost, damaged or someone could get seriously hurt or die.

Protects you when you cause an auto accident resulting in injury or death of OTHER parties. Pays for physical injuries to other

Protects you when you cause an auto accident in which the property of others is damaged.

Protection against a specific kind of loss.

Pays for car damage due to an auto accident collision with another car or object

Physical damage insurance pays for loss or damage due to most other causes. Not an accident. Used to be comprehensive

Estimate of the current value of property. Something's worth.

Protects you directly in the event you are injured

by a driver who does not have insurance or a driver

whose liability limits are not high enough to cover

your damages. It also protects you if you are

injured by a hit-and-run driver.

The amount you will be required to pay before insurance pays for any services

A decrease in the value of property as a result of age or wear and tear

Services not covered by an insurance plan

Coverage that eliminates the fault finding process in settling claims by having each policyholder make a claim after an accident.

A person who owns an insurance policy. YOU

Money paid to an insurance company for a policy on a regular basis. Your BILL

Contract written to protect you against specific future losses

YOU, the individual covered by a policy.

The company that writes the policy.

Your legal responsibility.

Part of your auto insurance that can help pay for YOUR medical bills

The cost to replace something.

The cause of a loss. Doing or having something happen to cause a loss.

When you ask your insurance carrier to pay for something. For ex. You get in accident, call them, they figure out how much the damage will cost & let you know how much will be paid. You pay deductible first.

When official driving record is so poor that someone cannot purchase auto insurance, and must be assigned to a state operated or designated insurance program at high rates.