Coverage

The written contract between the insurer and insured that outlines the terms, conditions, coverage, and exclusions of the insurance agreement.

Specific conditions, circumstances, or types of losses that are not covered by an insurance policy.

An unexpected event or circumstance without deliberate intent that results in injury, damage, or loss.

Insurance coverage that pays for damage to your vehicle resulting from a collision with another vehicle or object.

Insurance coverage for damage to your vehicle from causes other than collision, such as theft, vandalism, fire, weather events, or hitting an animal.

The amount you must pay out-of-pocket before your insurance coverage begins to pay for covered losses.