Benefit

A benefit is the amount paid by an auto insurance company to you or your beneficiary when you file an auto insurance claim.

Bodily Injury Liability Coverage

Bodily injury liability coverage protects you if you are held responsible for injuring someone in a car accident.

This coverage helps pay for the injured party's medical expenses and lost wages. Bodily injury liability may also help pay your expenses in a related lawsuit.

The amount covered is capped at the limits you select when you buy your auto insurance policy.

Broadform Collision Coverage

This auto insurance coverage is available only in the state of Michigan.

Broadform works like standard collision coverage, but also pays for collision damage to your insured car regardless of who's at fault.

Although this auto insurance coverage will pay up to your car's actual cash value regardless of fault in an accident, you'll be responsible for the deductible amount you select if you're found to be more than 50 percent responsible for the accident. If you're less than 50 percent responsible, you won't have to pay this deductible.

Business/Commercial Use

This classification means that you mainly use your car for business purposes (such as sales, service, and delivery calls) or work-related errands (like trips to the bank or post office), and other work-related driving. Commuting to and from work is not considered business use.

Esurance doesn't currently provide auto insurance coverage for vehicles driven primarily for business/commercial use. (Not sure if this applies to you? We show you a checklist to help you figure out if business/commercial use applies to you when you get your car insurance quote.)