A personal auto policy has a set layout of six sections.

Personal auto insurance definition. A form of insurance that protects against losses involving autos. Personal injury protection PIP insurance helps pay for your medical bills and lost wages when you or your passengers are injured in a car accident. Personal liability and property damage is a type of car insurance coverage that protects you in the case of at-fault accidents that cause injury to another person or damage to property.

New Hampshire being the notable exception. The more frequent the vehicle is being driven or used the higher the premium charged to account for the increased exposure and possibility of a claim. Liability coverage for the legal responsibility to others for bodily injury or property damage.

Also known as PIP coverage this part of your car insurance helps to pay for medical expenses regardless of whos at fault and often includes lost wages. Specifically it limits coverage for family members to maintenance or use of the named insureds covered autos only. Save up to 25 on your premium based on your good driving habits.

The policy may be structured to provide a combination of liability personal injury protection PIP medical payments uninsured and underinsured motorists UMUIM and physical damage coverages. An auto insurance policy will cover you and other family members on the policy whether driving your car or someone elses car with their permission. Liberty Mutual Pay-per-mile car insurance equals great savings.

Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Insurance Companies rate and subsequently charge a premium based on how your vehicle is being used. Personal injury protection PIP also known as no-fault insurance is a component of an automobile insurance plan that covers the healthcare expenses associated with a.

The Personal offers home and auto insurance for professional groups. In reference to automobile insurance there are many different rate classifications that exist. Personal Auto Policy PAP a standard form promulgated by Insurance Services Office Inc.