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Bodily Injury
If the policyholder or another driver covered by the policy is found to be at fault in an accident resulting in injuries or fatalities, the following is covered under bodily injury coverage:
- Medical expenses
- Lost wages
- Pain and suffering
- Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident
Bodily injury coverage pays for damages caused to a third party.
How much protection does this coverage provide?
The dual coverage limits you select in your auto insurance quote refer to the maximum amount that will be paid per person, per incident, respectively.
Property Damage
If you or another covered driver is found to be at fault in an accident, the following is covered under property damage coverage:
- Damage to another person's property (e.g., fence, car, or home)
- Legal costs associated with a damage incident
How much protection does this coverage provide?
The coverage limit you set in your auto insurance quote refers to the maximum amount that will be paid per accident.
| Personal Injury Protection (PIP) |
| PIP covers your reasonable expenses if you or your passengers are injured in an auto accident, regardless of fault. |
- Medical expenses – These may include medical and surgical treatment; dental treatment; ambulance services; and prosthetic devices.
- Lost wages – If you or your passengers are unable to work due to accident-related injuries, PIP helps you recover a portion of your lost income.
- Essential services – Should you need help performing household duties or other tasks due to accident-related injuries, PIP helps pay for such substitute services. Child care benefits – If child care is necessary due to accident-related injuries, PIP will help pay for child care benefits.
- Funeral expenses – If a covered individual dies from accident-related injuries, PIP will help pay for related funeral expenses.
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How much protection does this coverage provide?
The coverage limit you see in your quote refers to the maximum amount that will be paid per person for any combination of covered expenses. Certain exclusions may apply. Please refer to your Esurance policy for details.
Uninsured Motorist Bodily Injury
The limits for this coverage must be less than, or equal to, the limits you select for your bodily injury coverage. Also, if you want to carry this coverage on multiple vehicles, the limits must be the same for each vehicle.
If you're injured in an accident caused by a driver who has no insurance coverage, uninsured motorist bodily injury coverage covers the following expenses:
- Medical
- Lost wages
- Other general damages
- Injuries sustained in hit-and-run accidents
Uninsured motorist bodily injury provides coverage to the policyholder, authorized policy members, and passengers.
How much protection does this coverage provide?
If the other driver involved in an accident is uninsured, this coverage pays up to the limits you purchase.
If the other driver is underinsured, and you choose uninsured motorist bodily injury limits greater than $25,000/$50,000, this coverage pays the difference between what's covered by the other driver's insurance and what's covered by your uninsured motorist bodily injury coverage.
If the limits you purchase are lower than an accident's costs, you'll be responsible for paying the amount over your limits, unless you're covered by health insurance. The coverage limits you see in your quote refer to the maximum amount that will be paid per person for any combination of covered expenses.
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