Stay Protected On and Off the Road
Bodily Injury Liability Insurance
Pays for physical harm in the event of an accident. This does not cover medical expenses for the driver, but it does cover medical expenses for passengers and the other driver who was hit. Typical coverage limits are $100,000 per person/$300,000 per accident.
Property Damage Liability Insurance
Covers the cost of damages to someone else’s property after an accident you cause. Most commonly, your property damage will pay out when you are at fault for an accident that causes damage to someone else’s motorcycle/ATV or snowmobile. The typical limit is $100,000 per accident.
Medical Payments Coverage
Pays for injuries to a person riding the vehicle. No deductible applies.
Enhanced Injury Protection
This is an optional coverage that includes two components: an income loss benefit that pays up to the weekly limit to the insured for income lost due to injury resulting from a covered accident, and a death benefit that is payable to the surviving spouse or estate of the insured if the named insured is killed as a result of a covered accident. This coverage applies to each named insured and his/her spouse.
Uninsured Motorist Coverage
It protects you if you’re in an accident with an at-fault driver who doesn’t carry liability insurance. Under-insured motorist coverage, on the other hand, steps in when you’re in an accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses. The typical coverage is $100,000 per person/$300,000 per accident.
Comprehensive insurance covers damages from events that are not caused by a vehicle driving into something else. Some common examples are Natural disasters: storms, tornadoes, hurricanes, earthquakes, and hailstorms; Fire, civil commotions, explosions; Vandalism and theft; Damage from impacts with animals, such as a deer (Note: a crash from swerving to avoid animals will likely fall under collision); Broken or shattered windows and windshield; Falling objects (such as a tree branch).