Auto Lease/Loan Security - Additional coverage protection in case of a total loss to a covered vehicle. Provided coverage is the difference between the actual cash value of the vehicle and the amount due under the terms of the lease/loan.
Bodily Injury Liability - Sum of all damages legally required to pay by insured from an at fault accident. This includes bodily injury, which means physical harm, sickness or disease, including care, loss of services or resultant death.
Collision Coverage – Payment for any damage to an insured’s vehicle and its equipment as a result of collision or upset. You would pay your deductible that you have chosen for this coverage.
Comprehensive Coverage – Payment for damage to an insured auto and its equipment when not caused by collision or upset. This includes, but is not limited to fire, theft, glass breakage, vandalism and contact with persons, animals, birds, and falling objects. You would pay your deductible that you have chosen for this coverage.
Death Benefit - Payment of $1,000 in the event that anyone we insure dies as a result of bodily injury caused by an automobile accident.
Diminishing Deductible –Deductible is reduced by $100 for each consecutive claim-free policy year that your policy has been in force, up to a maximum of $500.
First Party Accidental Death – This policy will pay a specified amount to the executor or administrator of a deceased party’s estate should bodily injury cause death to insured within 24 months of the accident.
First Party Extraordinary Medical - Reasonable and necessary medical expenses in excess of $100,000 arising from bodily injury, up to $1,000,000.
First Party Funeral Expenses - Reasonable and necessary expenses directly related to the funeral, burial, cremation or other form of disposition of the deceased.
First Party Income Loss - 80% of gross income actually lost by anyone we protect.
First Party Medical - Reasonable and necessary expenses for medical treatment including medical, hospital, surgical, nursing and dental services.Medications, medical supplies and prosthetic devices, ambulance, medical and rehabilitative services are also covered. It is required by the state of Pennsylvania that all auto policies carry a minimum of $5,000 in first party medical coverage.
Increased Coverage Limits - For travel costs, personal property, sound equipment and non-owned trailers.
Property Damage Liability - Sum of all damages legally required to pay by insured from an at fault accident. This includes property damage, which means physical injury to or destruction of tangible property, including loss of use.
Replacement Cost – Coverage that pays to replace your vehicle with a brand new vehicle of like kind and quality.
Repair Coverage - Pays to repair your vehicle, without a deduction for depreciation, if the vehicle is damaged but not a total loss.
Stacking - Added coverage that you can get by stacking your underinsured/ uninsured motorists coverage on your insurance policy.This multiplies the amount of coverage by the number of vehicles on the individual policy.
Tort - Any wrongful act that does not involve a breach of contract and for which a civil suit can be brought.
Full Tort- The right to seek recovery for all medical and other out-of-pocket expenses and seek financial compensation for pain and suffering and other non-monetary damages as a result of injures caused by other drivers.
Limited Tort- This choice limits your right to seek financial compensation for injuries caused by other drivers. Eligible insured’s may seek recovery for medical and other out-of-pocket expenses, but not for pain and suffering or other non-monetary damages unless...
It is considered to be a serious injury, or is caused by an uninsured motorist, an out of state registered vehicle, a person who intentionally tries to injure himself or another person or a drunk driver
Transportation Expense – Payment of up to five days of transportation expenses from a covered loss after settlement is offered.
Underinsured - Protection for losses caused by persons that do not have enough insurance coverage to pay for damages caused.
Uninsured – Protection for losses caused by persons carrying no liability insurance coverage.
Homeowner Insurance Terms
Additional Living Expenses – This coverage pays the additional costs of living away from home when you cannot live in your home due to damage from fire, hail, lightning or other losses listed in your policy.
Dwelling - The structure of your home and other structures. Coverage pays to repair or rebuild your home if it is damaged or destroyed by fire, hail, lightning or other losses listed in your policy.
Enhancement Endorsement - Extends the policy's coverage by increasing the special Personal Property amounts. Increases coverage amounts for money, accounts, trailers & campers, watercraft, theft of guns, theft of jewelry, etc. Also provides $10,000 coverage for loss caused by sewer or drain back-up.
Liability Protection – Protects against claims or lawsuits for bodily injury or property damage that you, your family or your pets cause to other people.
Personal Contents - Covers your furniture, clothes, sports equipment and other personal items that are considered personal property.They are covered if they are stolen or destroyed by fire, hail, lightning or other disaster.
Renter or Tenant – This coverage is for the contents of a dwelling that you occupy, but do not own.If your apartment burns, you will be compensated for your contents with this coverage.
Sewer or Drain Back-Up - This coverage provides up to $5,000 of coverage for loss caused by water which back up through sewers or drains. A separate deductible applies to loss under this endorsement.
Identity Terms
Identity Recovery - Provides case management services to recover control over your identity and up to $25,000 reimbursment coverage for actual lost wages, and costs incurred for ntarizing documetns, credit reports, re-filing applications for loans, grants or other credit instruments and attorney fees in the event of a civil suit brought against you.
