Understanding Auto Insurance Coverage 

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Understanding the Terms in Your Automobile Insurance Policy

Brunswick Companies understands that an informed consumer is better able to make educated choices. As a result, we're providing you with "plain english" explanations of the terminology used by auto insurance carriers in the policies we offer.

Physical Damage

Indicates coverage for physical damage to a vehicle. Physical damage coverage includes both "collision" and "comprehensive" coverage.

Collision coverage provides protection if you hit something with your car, or if your car is overturned. 

Comprehensive coverage, also known as "other than collision," provides protection when something other than a collision causes physical damage to a vehicle. For example, if your car is damaged due to fire, hail, a tree falling, vandalism, a rock hitting your windshield, or if your car is stolen. 

Vehicle Liability

Refers to coverage for liabilities that arise from motor vehicle accidents. It typically protects an insured person while operating his or her own car or someone else's with permission. This coverage is intended to pay a third party for damages, either bodily injury or property damage (such as damage to the other party's vehicle or other tangible property), caused by the insured driver.

Uninsured / Underinsured Motorist Coverage

This coverage generally applies to the insured driver when he or she is involved in a collision with a motorist who has no vehicle liability coverage or who has insufficient liability coverage to pay for the injuries or property damage caused.

No-Fault / PIP / Medical Payments Coverage

"No Fault" insurance pays for some types of expenses that arise from bodily injury for certain losses without regard to legal liability or fault. Depending on the state, no-fault coverage may help the insured pay for things such as medical treatment or funeral expenses.

A number of states require drivers to maintain no-fault automobile insurance to cover bodily injury resulting from automobile accidents. Some states refer to this as Personal Injury Protection (PIP).