| Sl. No. |
Auto Insurance Coverage |
To Cover |
To Reimburse / Compensate |
| 1. |
Collision |
- Damages caused to the insured's vehicle when it hits another vehicle or object. Damages to the insured's vehicle caused by another vehicle.
|
- Repair costs of insured's vehicle (less deductible).
|
| 2. |
Comprehensive |
- Vehicles of the insured.
- Other vehicles that the insured may drive (includes rental cars)
|
- Damages on the insured's vehicle other than collision eg. fire, theft, vandalism, flood, animals etc.
|
| 3. |
Personal Injury Protection (PIP) |
- Insured.
- Family members of the insured within the same household.
- Passengers at the insured's car.
- Other drivers who are allowed to drive the insured's car.
- Insured & his family members while riding another vehicle.
- Vehicle injuries caused to the insured as a pedestrian.
|
- Medical & funeral expenses of the insured & the other passengers in an accident (includes affected pedestrians).
|
| 4. |
Property Damage Liability (PD) |
- Other party's property damages done by the insured's car.
|
- Insured's lawsuit expenses from the other party.
- Damaged property of the other party in an accident.
|
| 5. |
Bodily Injury Liability (BI) |
- The party who gets injured (other than the insured).
|
- Other party's cost of injuries.
- Other party's death claims.
- Other party's loss of income.
- Other party's pains & sufferings.
- Insured's legal defence
|
| 6. |
Uninsured Motorist Bodily Injury (UMBI) |
- Insured.
- Family members of the insured within the same household.
- Other passengers within the insured's car.
|
- Bodily or personal injuries.
- Death or damages inflicted by an uninsured party at-fault.
- Medical expenses with an accident inflicted by an uninsured driver (to the extent of the insured's policy).
|
| 7. |
Uninsured Motorist Property Damage (UMPD) |
- Vehicle damages (for the insured) inflicted by an uninsured driver
|
- Cost of repairing the insured's car if the insured does not have collision coverage.
- Collision deductible in case the insured has collision coverage.
|
| 8. |
Underinsured Motorist Bodily Injury (UNDUM) |
- Insured.
- Family members of the insured within the same household.
- Other passengers within the insured's car.
|
- Bodily or personal injuries.
- Death or damages inflicted by a party at-fault with an insurance deficit.
- The insured's damages (up till the liability limits listed in his policy) in excess of the underinsured party's coverage limit.
|
| 9. |
Underinsured Motorist Property Damage (UNDPD) |
- Vehicle damages (for the insured) inflicted by another driver with insufficient coverage liability limits.
|
- Cost of repairing the insured's car if the insured does not have collision coverage.
- Collision deductible in case the insured has collision coverage.
|
