Bodily Injury Liability – The policy pays when you or a family member are legally liable for causing bodily injury to another person. It also pays court defense costs.
Property Damage Liability – The policy pays when you or a family member are legally liable for causing damage to someone else's property. It also pays court defense costs.
Underinsured Motorists – Bodily Injury – The policy pays for injuries you or a family member receive from an uninsured or underinsured motorist (coverage cannot be higher than Bodily Injury Liability).
Underinsured Motorists – Property Damage – The policy pays for damage to your property from an uninsured or underinsured motorist (coverage cannot be higher than Property Damage Liability).
Personal Injury Protection (PIP) – The policy pays medical expenses, income loss, and benefits for extra expenses for you, members of your household, and guests in your car in case of accidental injury or death. You must have Liability coverage to purchase PIP.
Collision – The policy pays for damage to your car from collision or upset regardless of fault, subject to your deductible.
Comprehensive – The policy pays for damage to your car other than collision or upset, subject to your deductible. This includes fire, theft, vandalism, and glass breakage.
Towing and Labor – The policy pays for towing and labor when your car will not operate under its own power. Labor is covered only at the site of breakdown.
Rental Reimbursement – The policy pays for rental reimbursement when your vehicle is being repaired due to an event covered by your policy. The standard limit pays a maximum of $450 per occurrence for rental reimbursement. Higher limits of coverage are available. Coverage is available only on vehicles with Collision, Comprehensive, or Underinsured Property Damage coverage.
Auto Accidental Death – The policy pays your spouse (if a member of the same household) or your estate the limit of coverage purchased if you are fatally injured in an automobile accident. Coverage is available for the named insured and spouse ages 21 through 64.
Auto Loan Endorsement – Coverage is available for vehicles purchased new since Jan. 1, 1988. This coverage protects you in case the unpaid balance of a loan exceeds the value of the vehicle at the time of loss. We will pay the difference if we decide not to repair or replace your vehicle. To purchase this coverage, you also must purchase Collision and Comprehensive coverage.
Thanks,
Courtesy: http://www.pemco.com/auto/coverages.asp
