Bodily Injury (BI)
and Property Damage (PD)
Covers your liability for injuries you
cause to other people and property damage for which you are at fault.
This coverage usually is expressed in a "split number" such as
The first number
is the limit (in thousands of dollars) that your policy will pay for
bodily injury per person in the event of an accident. The second
number is the total limit your policy will pay for bodily injury
to two or more people per accident.
The third number is the limit that your
policy will pay for property damage per accident.
Many people are underinsured today because of the rising costs of
vehicles (making it easy to exceed your
Property Damage limits) and the high personal injury awards in lawsuits.
Please consult us to make
sure you have adequate converge- we'll be happy to help you!
Covers you when you are
injured or your property is damaged by someone who is not insured or has
inadequate limits of coverage. This is often an overlooked coverage, and
we would be happy to help you understand this better!
This covers the cost
of replacing or repairing your vehicle in the event of an accident in
which you were at fault. The premium varies depending upon your
We would be happy to
help you decide which deductible is right for you!
This covers repairing or
replacing your vehicle in non-accident situations, such as theft and
Hail and other "acts of
God" are covered, as defined by your policy. This also has a deductible,
so please consult with us about which deductible meets your needs.