Glossary

For additional information on how Infinity car insurance coverage protects you and your family please view following links:


Bodily Injury Coverage (BI)
Collision Coverage (COLL)
Comprehensive Coverage (COMP)
Deductible (DED)
Medical Payments coverage (MP)
Personal Injury Protection (PIP)
Policy
Property Damage coverage (PD)
Rental Reimbursement Coverage (RR)
Towing and Labor Coverage (TL)
Uninsured Motorists/Underinsured Motorist coverage (UM)

Bodily Injury Coverage (BI)
pays for injury to others when you are at-fault. Within policy limits, bodily injury coverage pays the amount you are legally obligated to pay for a person(s) injured or killed in an accident when you are at-fault. Back to List

Collision Coverage (COLL)
pays for repairs to your insured vehicle when it is damaged due to a collision with another vehicle or object. Collision usually reimburses you the amount to repair or replace your damaged vehicle, minus your deductible. Back to List

Comprehensive Coverage (COMP)
pays for repairs to your insured vehicle caused by something other than collision. This may include damage from vandalism, fire, windstorm, hail or some other peril. As with collision coverage, comprehensive coverage usually includes a deductible. Back to List

Deductible (DED)

is the dollar amount of the loss you assume before claims are paid for collision and comprehensive coverages. Each time you make a collision or comprehensive claim, you will incur the deductible amount. However, don't forget that choosing a higher deductible reduces the cost of your automobile insurance. Back to List

Medical Payments Coverage (MP)
pays the medical expenses for you and the occupants of your insured vehicle. You are able to choose the amount of medical payments coverage for you and your family. The amount of coverage available is specified by the policy. Back to List

Personal Injury Protection (PIP)
is an expanded medical coverage which is not available in all states. Subject to the limits included in your policy, PIP covers injuries sustained by you and family members as a result of an automobile accident, regardless of who is at-fault. In the event you are unable to work or are disabled in an accident, this coverage usually includes provisions for medical bills and lost wages. Back to List

Policy
is the document issued to you by your insurance company. The policy states the agreed-upon terms and conditions of the insurance contract. Back to List

Property Damage Coverage (PD)
pays for damage to another's property due to an automobile accident when you are at-fault. Property damage covers items such as an automobile, house or fence of the individual you hit. Back to List

Rental Reimbursement Coverage (RR)
is usually offered in conjunction with collision and comprehensive coverages. RR reimburses you for transportation expenses, within policy limits, when an insured vehicle is not operational due to a loss covered by the policy. Back to List

Towing and Labor Coverage (TL)
covers towing and on-site labor charges each time your insured vehicle is disabled. On-site labor refers to labor performed at the site of disablement (i.e., fix a flat tire so the vehicle can be towed). Back to List

Uninsured Motorists/Underinsured Motorist Coverage (UM)
protects you in an accident with a motorist who has no insurance or has too little insurance to cover your injuries or damages. The other driver must be at-fault. In some states and policies, Underinsured motorist protection is separate from uninsured motorist coverage. Back to List