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Car Insurance Terms

kinds of car insurance and liabilities

TermDefinition
BODILY INJURY LIABILITY covers injuries to others when the policy holder is at fault in an accident.
PROPERTY DAMAGE LIABILITY covers damage to the property of others if the policy holder is at fault in an accident.
FIRST PARTY BENEFIT MEDICAL covers the reasonable medical expenses of the policyholder and the policyholder’s family
COLLISION covers damages to the policyholder’s car as a result of a collision with another car or object or if the car turns over.
COMPREHENSIVE covers damage to the policyholder’s car in situations other than collisions such as fire, theft, acts of nature, deer, and vandalism.
INCOME LOSS PROTECTION pays when you cannot work because of injuries.
FUNERAL AND ACCIDENTAL DEATH pays for the sudden expenses your family would incur if they would have to bury you.
Comparative Negligence PA says that each driver may have a percentage of the fault for the accident.
Deductible requires the policyholder to assume a portion of the cost of the damage. Common deductibles are $100, $250, and $500.
Liability Responsible by law to pay for damages and injuries
15/30/5 Minimum coverage for PA  15,000 per person / 30,000 per accident / 5,000 property damagePremiums
Premiums are the prices you pay to insure your car for a certain period of time.
Full Tort If you are involved in an accident and not at fault, you may sue the at-fault person to collect uncovered economic damages, such as medical expenses and lost income.
Limited Tort You give up the right to sue an at-fault party for non-economic damages such as pain and suffering, as a result of an accident unless you suffer serious injury.
Driving record follows you for 3 years2) 2 charged accidents of
2 charged accidents of $750 or more in damage will equal a higher premium
Lawsuits may be filed up to 2 yrs. after the accident
Created by: Dale Amspacher
Popular Automotive sets

 

 



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