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**Kevin** · 10-03-2007, 10:17 AM

My insurance agent speaks in insurance jargon, talking about Bodily Injury and Personal Property Liability, Personal Injury Protection, Collision and Comprehensive, Uninsured Motorist, and even No-Fault Insurance.

Can you tell me what these mean?

Bodily Injury – A legal liability that may arise as a result of the injury or death of another person.

Personal Property (I think you mean –Property Damage) – Protection against liability for damage to the property of another, including loss of the use of the property, as distinguished from liability for bodily injury to another. In the majority of cases it is written along with bodily injury liability protection.

Collision Insurance – A form of automobile insurance that covers loss to the insured’s own vehicle, caused by its collision with another vehicle or objector its upset but not covering bodily injury or property damage liability arising our of the collision.

Comprehensive (AKA “other than collision) – This is the direct or indirect loss to the covered auto, except collision. OTC generally pays for any direct accidental loss to a vehicle - except for specific exclusions. Coverage specifically mentioned in the policy includes – missiles, falling objects, fire, theft, explosion, earthquake, windstorm, hail, water, flood, malicious mischief, vandalism, riot, civil commotion, contact with bird or animal and breakage of glass.

Uninsured Motorist – A coverage where the insured will pay damages to the insured for which another motorist is liable if that motorist is unable to pay because he is uninsured. This coverage usually applies to bodily injury damages only. Injuries to the insured caused by a hit and run driver are also covered.

No-Fault Insurance – Many States have passed laws permitting the individual automobile accident victim to collect directly from his or her own insurance company for medical and hospital expenses regardless of who was at fault in the accident. There are many variations in the laws of those states, which have no-fault statues. Most States allow the individual to sue the negligent party if the amount of damages exceeds a certain stated limit.

10-03-2007, 10:17 AM	#2
Kevin Admin Car: Silver 2004 STI Fav Mod: The Driver Location: Southern California Posts: 12,023 Join Date: Jan 2001 Trader Rating: (1)	Re: Insurance FAQ My insurance agent speaks in insurance jargon, talking about Bodily Injury and Personal Property Liability, Personal Injury Protection, Collision and Comprehensive, Uninsured Motorist, and even No-Fault Insurance. Can you tell me what these mean? Bodily Injury – A legal liability that may arise as a result of the injury or death of another person. Personal Property (I think you mean –Property Damage) – Protection against liability for damage to the property of another, including loss of the use of the property, as distinguished from liability for bodily injury to another. In the majority of cases it is written along with bodily injury liability protection. Collision Insurance – A form of automobile insurance that covers loss to the insured’s own vehicle, caused by its collision with another vehicle or objector its upset but not covering bodily injury or property damage liability arising our of the collision. Comprehensive (AKA “other than collision) – This is the direct or indirect loss to the covered auto, except collision. OTC generally pays for any direct accidental loss to a vehicle - except for specific exclusions. Coverage specifically mentioned in the policy includes – missiles, falling objects, fire, theft, explosion, earthquake, windstorm, hail, water, flood, malicious mischief, vandalism, riot, civil commotion, contact with bird or animal and breakage of glass. Uninsured Motorist – A coverage where the insured will pay damages to the insured for which another motorist is liable if that motorist is unable to pay because he is uninsured. This coverage usually applies to bodily injury damages only. Injuries to the insured caused by a hit and run driver are also covered. No-Fault Insurance – Many States have passed laws permitting the individual automobile accident victim to collect directly from his or her own insurance company for medical and hospital expenses regardless of who was at fault in the accident. There are many variations in the laws of those states, which have no-fault statues. Most States allow the individual to sue the negligent party if the amount of damages exceeds a certain stated limit. Last edited by Kevin : 10-03-2007 at 10:32 AM.