Car Insurance Smyrna TN
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What’s generally not covered on a personal auto policy
Exclusions: Your PAP identifies a number of events and situations that are specifically omitted or excepted from coverage. These are called exclusions. An example would be property damage and personal injury that you intentionally caused, or damage to a vehicle from normal wear and tear or mechanical breakdown.
Limitations: Your PAP also specifies certain caps on the dollar amounts of coverage you are entitled to receive under the policy. These are called limitations. Separate limits are generally set for liability, medical payments, uninsured motorists, collision, and comprehensive coverages.
It’s important to read your PAP so that you’re aware of all the applicable exclusions and limitations.
Individuals typically covered under a PAP
Named insured: One section of the declarations page identifies you as the named insured, meaning you are the individual who is primarily insured under the policy. As the named insured, you and your vehicles receive the most extensive coverage under your policy.
Spouses: Your spouse is generally entitled to receive the same coverage as you (the named insured) under your policy if he or she lives with you, even if he or she is not identified as a named insured on the declarations page of your policy.
Family members: Family members (as defined in your policy) are insured by your PAP as long as they own, use, or maintain the vehicle covered by the policy. In fact, family members generally receive almost the same extensive coverage that you do.
Other people: If your covered auto is involved in an accident, other people are insured under certain sections of the policy if:
- they were using the covered auto (liability coverage),
- they were occupying the covered auto (uninsured motorists and medical payments coverages),
- they are legally responsible for the actions of any other person insured under the policy (liability coverage), or
- they are entitled to recover due to any bodily injury suffered by you, your resident spouse, family member, or anyone using the covered auto (uninsured motorists coverage).