Basics of Your Personal Auto Insurance Coverages

Unsure of exactly what all of those numbers and coverage’s mean on your Auto Insurance policy?

Here’s a quick list and explanation of the basics:

BI/Bodily Injury Liability:

Covers bodily injuries that are caused by you/your vehicle to others

PD/Property Damage:

Covers the damage that you/your vehicle causes to other parties vehicle or property

UMBI/Uninsured motorist Bodily Injury:

Covers you and those in your vehicle if injured by an uninsured or under-insured motorist

UMPD/Uninsured Motorist Property Damage: (this coverage is when you do NOT have physical damage coverage)

Covers the damage done to your vehicle by an uninsured or under-insured motorist (only covers up to $3500 in damage)

CDW/Collision Deductible Waiver: (this coverage is when you DO have physical damage coverage)

Waives your deductible when damage was caused by an uninsured or under-insured motorist

Medical Expense:

Covers yourself and those in your vehicle when the accident is AT FAULT.

Comprehensive Deductible:

Amount that insured is responsible for if the vehicle is vandalized, stolen, etc (anything other than collision)

Collision Deductible:

Amount that insured is responsible for if the vehicle is involved in a collision

Author: Colbie McRae

In February of 2015, I started insureCAL Insurance Agency from scratch. Now in our 2nd year, we will have 5 licensed agents and an awesome partnership with a number of great insurance carriers. insureCAL’s main focus is the agriculture industry, it’s what all of us grew up knowing and loving.

Leave a Reply

Your email address will not be published. Required fields are marked *