Percentage of Uninsured Motorists: 5-10%

UMPD
●        Not available

This coverage protects anyone occupying your vehicle at the time of an accident and you and relatives who live with you, while in other vehicles or if struck as a pedestrian. This coverage pays for certain medical and funeral expenses from a motor vehicle accident, regardless of fault. See your policy for exclusions.

Percentage of Uninsured Motorists: 11-15%

This coverage is mandatory in the state of Wisconsin.  It protects you, resident relatives, and occupants of a covered vehicle if any of you sustain bodily injury, including death, which results from an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance.  Hit-and-run drivers are included as uninsured motorists.

UMPD:

●        Not available

This coverage is optional in the state of Wisconsin.  It protects you, resident relatives, and occupants of a covered vehicle if any of you sustain bodily injury, including death, which results from an accident in which the owner or operator of a motor vehicle who is legally liable does not have enough insurance.  Lowest limit available 50/100.

This coverage protects anyone occupying your vehicle at the time of an accident and you and relatives who live with you, while in other vehicles or if struck as a pedestrian.  This coverage pays for certain medical and funeral expenses from a motor vehicle accident, regardless of fault.

Percentage of Uninsured Motorists: 5-10%

●        Can be selected without UIM
UMPD
●        Packaged with UM

This coverage protects anyone occupying your vehicle at the time of an accident and you and relatives who live with you, while in other vehicles or if struck as a pedestrian. This coverage pays for certain medical and funeral expenses from a motor vehicle accident, regardless of fault. See your policy for exclusions.

Percentage of Uninsured Motorists: 11-15%

●        UMPD automatically selected with UM/UIM coverage

●        $250 deductible applies to UMPD

Basic PIP is optional in Washington. PIP coverage applies to you, your family, and any passengers covered under your policy, regardless of who is responsible for the accident. PIP will pay the following benefits, up to the limits of your policy, for losses or expenses incurred because of injuries sustained by an insured person as a result of an auto accident:

●        Medical Benefits- Up to $10,000 for one insured person

●        Income Continuation Benefits- Up to $10,000 for one insured person who is employed at the time of the accident, up to a limit of $200 per week and not exceeding 85% of the insured person’s weekly income at the time of the accident.  Begins 14 days after the accident and continue for up to 52 weeks.

●        Funeral Expenses- Up to $2,000 payment for reasonable expenses

●        Loss of Service Benefits- Up to $5,000 for services that you would have performed without income if you had not been injured in the accident but are now making payments to persons other than members of your household to perform.  Loss of services benefits are subject to a limit of $40 per day, not to exceed $200 per week.  Begin on date of the accident and continue for up to 52 weeks.

●        Medical Benefits- Up to $35,000

●        Income Continuation Benefits- Up to $35,000 up to a limit of the lesser of $700 per week or 85% of the insured person’s weekly income.

●        Funeral Expenses- Up to $2,000

●        Loss of Service Benefits- Up to $40 per day for up to one year from date of accident

Percentage of Uninsured Motorists: 11-15%

This coverage is mandatory in the state of Virginia.  It protects you, resident relatives, and occupants of a covered vehicle if any of you sustain bodily injury, including death, which results from an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance.  Hit-and-run drivers are included as uninsured motorists.

UMPD:

●        Mandatory

●        $250 deductible

This is the maximum amount your insurance policy will pay in excess of the amount of Liability Bodily Injury insurance carried by an at fault motorist for bodily injury or death to you, covered family members, and/or the occupants of your insured vehicle caused by the at-fault motorist, who is legally liable but does not have enough insurance.

Medical payments coverage protects anyone occupying your vehicle at the time of an accident and relatives who live with you, while in other vehicles or if struck as a pedestrian. This coverage pays for certain medical and funeral expenses from a motor vehicle accident, regardless of fault. See your policy for exclusions.

This optional coverage provides for income loss benefits up to $100 per week, for a maximum of one year. Income loss must be a direct result of bodily injury caused by an accident and arising out of the ownership, maintenance or use of a motor vehicle or through being struck by a motor vehicle as a pedestrian.

Percentage of Uninsured Motorists: 5-10%

UMPD
●        Mandatory

●        $10,000 Limit

●        $150 deductible

Medical payments coverage is optional in the state of Vermont. It pays for certain medical and funeral expenses resulting from injuries sustained in an accident. This coverage applies per person to you and any occupants in an insured motor vehicle involved in an accident. This coverage also applies to you or any family member if struck while a pedestrian. See your policy for exclusions.

Percentage of Uninsured Motorists: 5-10%

UMPD
●        Optional

●        Limit of $3,500

●        Subject to $250 deductible

●        Cannot be selected with Collision coverage

Basic PIP is mandatory in the state of Utah. Also known as No-Fault, this coverage applies to you, your family, and any passengers covered under your policy, regardless of who is responsible for the accident. Basic PIP will pay the following benefits, up to the limits of your policy, for losses or expenses incurred because of injuries sustained by an insured person as a result of an auto accident:

●        Medical Benefits- Up to $3,000 per person for reasonable and necessary expenses for medical, surgical, x-ray, dental, rehabilitation, including prosthetic devices, ambulance, hospital, and nursing services.

●        Lost Income Benefits- the lesser of $250 per week or 85% of any loss of gross income and loss of earning capacity per person from inability to work, for a maximum of 52 consecutive weeks after the loss.

●        Funeral Expenses- Funeral, burial, or cremation benefits up to a total of $1,500 per person.

●        Survivor Loss Benefits- Up to $3,000

Reject Loss of Income Benefits:

You also have the option to reject Loss of Income Benefits.  You will need to provide proof within 31 days of applying for coverage that neither the insured not the insured’s spouse received any earned income from regular employment, and for at least the next 180 days during the period of insurance, neither the insured nor the insured’s spouse will receive earned income from regular payment.

Percentage of Uninsured Motorists: 16-25%

●        Cannot exceed BI limits

Optional:

●        UMPD

●        $250 Deductible

●        Cannot exceed PD limits

This coverage is optional in the state of Texas.  Regardless of who is at fault, PIP covers bodily injury to covered persons caused by an accident involving an insured private passenger motor vehicle, up to your policy limits.  PIP also covers bodily injury resulting from an accident involving a motor vehicle to:

●        You while in another person’s vehicle.

●        You as a pedestrian or bicyclist.

●        Your relatives living in your home.

●        Certain passengers who do not have PIP/

●        Certain licensed drivers who drive your vehicle with your permission

PIP Covers:

●        Medical Expenses- up to $10,000

●        Work Loss- 80% of lost income

●        Funeral Expenses

●        Essential Services- the cost of hiring someone to take over the household and caregiver responsibilities of the injured person.

The minimum PIP offered is $2,500.  You may reject the coverage in writing or opt for increased limits.  Payment will only be made for losses or expenses incurred within three (3) years from the date of the accident.

This coverage is optional, and is available when you reject PIP.  This coverage protects anyone occupying your vehicle at the time of an accident and you and relatives who live with you, while in other vehicles or if struck as a pedestrian.  This coverage pays for certain medical and funeral expenses from a motor vehicle accident, regardless of fault.

Percentage of Uninsured Motorists: 16-25%

●        $250 deductible

●        Available

Medical payments coverage is optional in the state of Tennessee. It pays for certain medical and funeral expenses resulting from injuries sustained in an accident. This coverage applies per person to you and any occupants in an insured motor vehicle involved in an accident. This coverage also applies to you or any family member if struck while a pedestrian. See your policy for exclusions.

Percentage of Uninsured Motorists: 5-10%

UMPD
●        Not available

This coverage protects anyone occupying your vehicle at the time of an accident and you and relatives who live with you, while in other vehicles or if struck as a pedestrian. This coverage pays for certain medical and funeral expenses from a motor vehicle accident, regardless of fault. See your policy for exclusions.

This coverage is optional in the state of South Dakota. It provides a death benefit if you die as a result of an accident while occupying a vehicle or when struck by a motor vehicle, if the death occurs within ninety (90) days of the accident.

This coverage is optional in the state of South Dakota. It pays for your net loss of income resulting from the bodily injury you sustain in an accident arising out of the maintenance or use of a vehicle or use of a trailer. These benefits may become payable starting fourteen (14) days after the date of an accident and end fifty-two (52) weeks after the date of an accident.