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Decoding Your Auto Insurance Lingo

    Home Archive Decoding Your Auto Insurance Lingo
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    Decoding Your Auto Insurance Lingo

    Decoding Your Auto Insurance Lingo

    By C.V. Mason Insurance Agency | Archive, Auto Ins | Comments are Closed | 30 January, 2017 | 0

    Auto insurance policies can have a lot of insurance jargon that simply does not make any sense. We’re here to help decode that auto insurance lingo. 

    Deductible, comprehensive coverage, limits, PIPs, UMs, and UIMs are all part of the everyday auto insurance policy. The average person with no experience with insurance may read this and raise an eyebrow in questions of all of these words and acronyms. If you find yourself in this camp, rest assured you are not alone. We are here to help you decode your auto insurance lingo with this list:

    Collision Coverage – Simply put, it provides coverage for the damage to your vehicle. Collision coverage can also extend to a non-owned vehicle or a rented car.

    Comprehensive Coverage – When your vehicle receives damage do to another event other than a traffic collision, this coverage will cover the damage. This includes damages from fire, theft, flood, windstorm, and even meteorites.

    Deductible – The amount you must pay out of pocket before your auto insurance steps in to cover the rest. Your premium is partly based off your deductible so adjust it accordingly.

    Limits – Your insurance policy will cover your damages up to a financial limit. Most states require that drivers carry a minimum limit that must be purchased for each required insurance coverage.

    PIP – PIP, Personal Injury Protection, will pay for things like hospital and funeral expenses, people in the insured vehicle, and any pedestrians that were struck by that vehicle.

    UIM – Underinsured Motorist Coverage covers your damages if the other driver does not carry insurance. UM covers for a number of things including death up to the limits you select.

    For all of your car coverage needs to keep all of your vehicles protected, contact C.V. Mason Insurance Agency in Bristol, Connecticut. We will work with you to ensure you have the right amount of auto insurance coverage, all at the right price to fit your budget.

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    C.V. Mason Insurance Agency

    The C.V. Mason Insurance agency is a local family-owned independent Insurance agency since 1883. Our goal is to provide you with the best possible coverage at the best possible price. We have 11 Major Insurance companies which allow us to get the best deal for you.

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