Common Car Insurance Definitions

Bodily Injury Liability

This coverage pays for death or serious injury to others when you are legally liable for an accident involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation if you get sued. This coverage may be extended to others who drive your vehicle with your permission.

Medical Payments

This coverage pays for medical expenses for bodily injury up to the limit of your policy. It covers your medical expenses, plus those of your family members or passengers, regardless of fault. It applies whether you are in your automobile or someone else's, or if you are hit by an automobile while walking or bicycling.

Uninsured/Underinsured Motorist (UM)

This coverage pays for bodily injuries to you, your family members and any other person occupying your covered automobile, should the injuries be caused by the negligence of an uninsured or underinsured motorist.
The following are examples in which UM coverage may apply:

• if the at-fault party has no liability insurance
• if the at-fault party has liability coverage inadequate to pay for the injuries incurred or
• if injuries result from a hit-and-run vehicle.

UM pays for medical expenses and lost wages that you and your passengers may incur. This coverage also includes payment for pain and suffering if you have a permanent injury or death, up to the limit of the policy.

Negligent
The term negligent has become known as "failing to take proper care" while doing something. By this definition, most drivers are negligent every day, failing to pay 100% attention or take proper care while driving.