Auto Liability & Physical Damage

Coverage Description:

Liability: The insurer will defend claims and pay damages arising from the insured’s legal liability for Bodily Injury or Property Damage sustained by others as a result of operation, maintenance, or use of owned, non-owned, and hired motor vehicles.

Personal Injury Protection: Pays statutory limit per insured for medical expenses incurred due to accidental injury and without regard to legal liability in states where applicable.

Uninsured/Underinsured Motorists: Affords coverage for bodily injury caused by the negligence of an uninsured/underinsured or hit- and-run vehicle.

Coverage Extensions:

  • Medical Paymants
  • Employees as Additional Insureds for Non-Owned Auto
  • Worldwide Hired and Non-Owned Auto
  • Fellow Employee Coverage
  • Amended Named Insured Endorsement
  • Drive Other Car
  • Rental Reimbursement


Comprehensive: Pays for direct and accidental loss or damage to insured vehicles except by collision, mechanical breakdown, or upset.

Collision: Pays for direct and accidental loss of or damage to insured Company vehicles caused by collision with another object or upset.


Chubb Insurance Group, reinsured by DIC
(Best’s Rating: A++ XV)