Bodily Injury Liability
Bodily Injury coverage protects you when you are legally liable for injury or death to others caused by your vehicle. Some of these expenses include medical treatment, lost wages and compensation for pain and suffering. Your own legal fees, bail bonds and court costs are also covered. In the event of a serious accident these costs can become very substantial and if you do not carry a sufficient limit of insurance, the person you injure may pursue compensation from your personal assets and earnings. Therefore, you should choose a limit for this coverage based on your financial status including your current and future assets.
BI provides two limits of coverage. The first is the maximum amount we will pay for injury or death to any one person. The second figure is the maximum we will pay (regardless of the number of people involved) for injury or death stemming from a single occurrence.
Property Damage Liability
Property Damage protects you when you are legally liable for damage to property of others caused by your vehicle. This not only includes damage to others' vehicles, but also objects such as buildings, signs or trees. In the event of a multiple vehicle accident, you could be responsible for compensating several other car owners.
As with Bodily Injury protection, you may be personally responsible for compensating injured persons if you do not carry a sufficient level of Property Damage coverage so you should choose a limit that adequately protects your assets and earnings.
Medical Payments
Medical Payments coverage pays medical, dental, hospital and funeral expenses
for you, household relatives and guest passengers injured in a motor vehicle accident. This coverage
also protects you and household relatives in other vehicles or if struck as pedestrians.
The limit of liability for medical payments stated in the declarations as applying to "each person" is the
limit we will pay for all costs incurred by or on behalf of each person who sustains bodily injury in one accident.
This applies regardless of the number of persons insured or the number of autos or trailers to which this policy
applies.
In choosing an appropriate limit, you may want to consider your ability to meet your medical expenses
and other financial obligations if you were injured in an automobile accident.
Uninsured Motorist Bodily Injury
Uninsured Motorist Bodily Injury pays damages you, household relatives and passengers are legally entitled to recover because of bodily injury or death caused by uninsured or hit-and-run motorists. You must carry this coverage at the same limit as your Bodily Injury liability coverage unless specifically requested at a lower limit in writing.
In choosing an appropriate limit, you may want to consider your ability to meet your medical expenses and other financial obligations if you were injured in an automobile accident.
Uninsured Motorists Bodily Injury provides two limits of coverage. The first is the maximum amount we will pay for injury or death to any one person. The second figure is the maximum we will pay (regardless of the number of people involved) for injury or death stemming from a single occurrence.
Uninsured Motorist Property Damage
Uninsured Motorist Property Damage pays damages you are legally entitled to recover because of damage to your insured vehicle caused by uninsured or hit-and-run motorists. You must carry this coverage at the same limit as your Property Damage liability coverage unless specifically requested at a lower limit in writing. Uninsured Motorist Property Damage does not cover the first 200.00 of damage to your vehicle as the result of any one accident. In choosing a limit, you will want to consider the highest value of any of your vehicles listed on your policy.
Underinsured Motorist Bodily Injury
Underinsured Motorist Coverage pays your household relatives, and passengers in your insured motor vehicle for damages arising out of accidents with motorists who have motor vehicle insurance with lower limits of liability coverage than those damages suffered by you. This coverage can only be used if the limits you carry exceed the negligent driver’s insurance limits.
You must carry this coverage at the same limit as your Bodily Injury liability coverage unless specifically requested at a lower limit in writing. In choosing an appropriate limit, you may want to consider your ability to meet your medical expenses and other financial obligations if you were injured in an automobile accident.
Underinsured Motorists Bodily Injury provides two limits of coverage. The first is the maximum amount we will pay for injury or death to any one person. The second figure is the maximum we will pay (regardless of the number of people involved) for injury or death stemming from a single occurrence.
Underinsured Motorist Property Damage
Underinsured Motorist Property Damage pays damages to your insured vehicle caused by motorists who have lower limits of liability coverage than those damages suffered by you. In choosing a limit, you will want to consider the highest value of any of your vehicles listed on your policy.
Comprehensive
Comprehensive coverage pays for loss or damage to your vehicle caused by fire, theft, vandalism, hail, windstorm, riot, falling objects, flood, and other events as stated in your policy contract.
Comprehensive is an optional coverage. In deciding whether you wish to carry comprehensive, you may want to consider the present value of your vehicle and the cost of the coverage. If you finance or lease your vehicle you will probably need to carry this coverage as part of your lease or financing agreement. Refer to your lease/finance agreement for details.
When selecting a deductible, you should choose a deductible that meets your financial needs. The deductible is the amount you will pay out-of-pocket should a loss occur. The higher the deductible, the lower the premium charged for this coverage.
Collision
Collision coverage pays for loss or damage to your vehicle caused by collision with another vehicle or object. Payments are made on an actual cash value basis for the amount of each loss above your deductible.
Collision is an optional coverage. In deciding whether you wish to carry collision, you may want to consider the present value of your vehicle and the cost of the coverage. If you finance or lease your vehicle you will probably need to carry this coverage as part of your lease or financing agreement. Refer to your lease/finance agreement for details.
When selecting a deductible, you should choose a deductible that meets your financial needs. The deductible is the amount you will pay out-of-pocket should a loss occur. The higher the deductible, the lower the premium charged for this coverage.
RV and Camper Insurance
The above definitions are standard definitions for regular automobile insurance and are meant to be only definitions for the purpose of letting you know what specific terms mean. Actual terms of an insurance policy are determined by your insurance company and the type of policy you purchase.
RV and Camper insurance is relatively inexpensive compared to regular Automobile insurance depending on coverages purchased and where the policy is purchased from. You may even be able to obtain coverages such as "Total Loss Replacement" when you purchase your policy,
For Camper Country's reccomendation of where the best deal on Insurance can be found, call our Finance Manager Today!
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