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What are Optional or Additional Insurances?
Limited
Tort - Offers savings on your premiums. You are still
able to recover all out-of-pocket medical and other expenses, however
you are not able to recover non-monetary damages or receive payments
for pain and suffering unless injuries are defined as serious.
Full Tort
- With this selection you retain unrestricted rights to bring
suit against the negligent party.
Uninsured
Motorist (UM) - This covers bodily injury for you or your family
if you are hit by an at-fault uninsured motorist.
Underinsured
Motorist (UIM) - This covers bodily injury losses for you or
your passengers if you are hit by an at-fault motorist who does
not have enough insurance to cover your claim.
Stacking
of UM or UIM - This coverage allows you to multiply the amount
of uninsured or underinsured motorist coverage by the number of
vehicles on your policy. It costs extra to stack uninsured or underinsured
motorist coverage.
Funeral
Benefit - Pays up to $2,500 if you or a family member dies as
a result of an auto accident.
Income
Loss - Pays your wages when injuries sustained in an auto accident
keep you from working.
Collision
- This benefit pays to repair damage to your car as a result
of an accident. Most banks or lenders require you to buy this coverage
to receive a car loan. Under Pennsylvania law, the company applies
a $500 deductible unless you request a lower amount. The higher
your deductible, the lower your premium.
Comprehensive
- Generally, this pays for theft or damage to your car from hazards
including fire, flood, vandalism or striking an animal. Most banks
or lenders require you to buy this coverage to receive a car loan.
There are various levels of deductible to purchase.
Extraordinary
Medical Benefits - This coverage pays when medical and rehabilitation
expenses exceed $100,000. It provides a maximum of $1 million of
coverage.
Property
Damage Liability
Additional
No Fault Protection
Accidental
Death and Dismemberment Coverage
Spousal
Liability Insurance
Gap
Endorsements
/ Riders
Rental
Car Coverage
Supplemental
Underinsured / Uninsured Coverage
Last
modified on Sept 28, 2003||Partners||As
we partner with additional resources, this site will continue to
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