Frequently Asked Questions - Auto Coverages

Collision Coverage generally means a covered vehicle that impacts with another vehicle or object, such as a tree. The upset of a vehicle is also covered under Collision Coverage.

Comprehensive Coverage, also known as Other Than Collision, is coverage for any other damage to a covered vehicle that is not defined as Collision and not excluded on the Policy. This coverage generally protects the insured against any loss or damage to a covered vehicle such as fire, theft, vandalism, glass, contact with animal, windstorm, hail, water, or flood damage.

Bodily Injury Liability is coverage for any named insured on an Insurance Policy, who causes injury to another person. There must be Legal Liability arising from physical injury to another person due to injury, sickness, disease, or death. There must be negligent or purposeful acts and/or omissions of a named insured.

Medical Payments Coverage pays for reasonable expenses for necessary medical and funeral services cause by an automobile accident. Medical Payments covers the named insured or family member occupying the covered vehicle. A Pedestrian who is struck by a motor vehicle, or any other persons who is occupying the covered vehicle, such as a passenger.

Split Limit Coverage means that bodily injury and property damage are each assigned a separate distinct limit of insurance.

Combined Single Limit Coverage means that one limit of insurance is applied to both Bodily Injury and Property Damage. These limits can be use wherever is needed, or in combination.

Insurance Score is a statistical calculation that uses information contained in a person's credit report. Insurance Scores were developed to predict the likelihood of person having an accident or filing a claim.

Insurance Scores are used to predict insurance losses and credit scores are used to predict credit delinquency. Both Insurance Score and Credit Score are calculated with information on a credit report. This information can be outstanding debt, bankruptcies, collections, and debt repayment history. Insurers can take this information and other data from Credit Scores and calculate the insurance score. This is usually done by taking information from the credit report, assign positive weights to the favorable information and negative weight to unfavorable information.

The inquiry of a person's Credit Report for use to calculate an Insurance Score does not affect the individual's credit rating. This information is only reflected when the individual obtains a copy of their Credit Report. The insurance inquiry will never show up on a person's Credit Report on a 3rd Party request.