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Personal Injury Protection (PIP) continued
Additional PIP Coverage Options — These are additional PIP benefit options provided under the Standard Policy. You may select various levels of coverage for these benefits, depending upon your needs.
Income Continuation — If you cannot work due to accident-related injuries, this coverage pays lost wages, less Temporary Disability Benefits you may receive if your disability prevents you from working, up to the amount you select.
Essential Services — Pays for necessary services that you normally do yourself, such as cleaning your house, mowing your lawn, shoveling snow or doing laundry, if you are injured in an auto accident.
Death Benefit — In the case of death, family members or estates will receive any benefits not already collected under the income continuation and essential services coverages.
Funeral Expense Benefit — Pays for reasonable funeral expenses up to the limit you select if you die as a result of an auto accident.
Comprehensive and Collision Coverages
Deductible Options — The standard deductible for Comprehensive and Collision coverages is $750. Higher and lower deductibles are available as options. (Remember: Higher deductibles can reduce your premium.)
Named Driver Exclusion — Prevents certain drivers on your policy from being covered by and charged for collision and/or comprehensive coverage on a specific automobile. This can lower your premium, but if the excluded driver operates the automobile for any reason and is involved in an auto accident, you are not insured for collision and/or comprehensive coverage; which means you could be personally responsible for damage to your own vehicle. (Remember: This exclusion is only for physical damage coverage; insurers are permitted to rate licensed drivers in your household who are not insured on another policy for other coverages on your policy.)
Uninsured/Underinsured Motorist Coverage
Limit — This coverage is sold together and is available up to the selected limits of your liability coverage.