.
Private passenger automobile (PPA) insurance provides protection for
the named insured in the declarations, any individual using the auto with
the PERMISSION of the named insured or his spouse, and the named insureds
family members, if they are residents of the insureds household. Generally,
the types of vehicles eligible for private personal automobile insurance
are:
PRIVATE PASSENGER
AUTO
ELIGIBLE PICK
UP TRUCKS
VANS
PANEL TRUCKS
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The
basic components of a Private Passenger Auto Insurance Cover CLASSIC CARS
AND STREET RODS:
BODILY INJURY
LIABILITY
Provides protection from economic loss
due to the negligent acts arising out of the ownership, maintenance, or
use of an insured motor vehicle.
PROPERTY DAMAGE
LIABILITY
Protects an insured from loss due to comprehensive
or collision losses.
MEDICAL PAYMENTS
Pays for reasonable medical expenses incurred
by a covered person for bodily injury caused by an accident involving any
motor vehicle designed for highway use. Coverage is provided whether an
individual is occupying the vehicle or struck as a pedestrian.
PERSONAL INJURY
PROTECTION
Affords coverage for you, your family,
and occupants in your vehicle for medical expenses, loss of income, or
other essential services due to injuries sustained in an accident
UNINSURED MOTORIST
COVERAGE
pays for bodily injury damages the insured would be legally entitled
to recover from the operator of an uninsured auto caused by an accident
arising our of the ownership, maintenance, or use of vehicle. An uninsured
vehicle is one that has no liability coverage.
UNDERINSURED MOTORIST
COVERAGE
This coverage fills in any gaps that may
exist between an underinsured motorist's bodily injury insurance limit,
and the damages for bodily injury the insured is legally entitled to recover,
if greater.
COMPREHENSIVE
INSURANCE COVERAGE
Provides protection for your vehicle due
to loss from fire, theft, vandalism, flood, hail, collision with animals,
and flying objects. Usually, written with a deductible.
COLLISION INSURANCE
COVERAGE
Provides protection to your vehicle, due
to a collision, regardless of fault, usually written with a deductible.
OPTIONAL COVERAGE'S
MEDICAL PAYMENTS
For medical
expenses incurred as a result of an accident in your vehicle.
TRANSPORTATION
EXPENSES
For expenses related for the use of a
temporary rental vehicle, while your vehicle is being repaired.
TOWING AND LABOR
For expenses to have your vehicle towed,
or any onsite mechanical work performed, in the event the vehicle is not
operable.
The amount of
insurance coverage, type, and premium is written on a case by case basis.
the rules, rates, and forms are generally the regulations of that
particular states governing authority
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