The value of your property based on the current cost to replace it minus depreciation. This is often referred to as fair market value.
One limit of insurance that applies to multiple insured items.
Covers physical injury to other people when you are at fault. This coverage does not pay for your own injuries.
A request to the insurance company to receive payment for damage or injury covered under the policy.
An insurance company employee or contractor who reviews the damage and injuries for a claim and authorizes payments.
Pays repair costs for your vehicle when it is damaged by another vehicle or object.
Pays repair costs for your vehicle when it is damaged by something other than another vehicle, such as theft, vandalism, hail, or animal hits.
The amount and type of insurance carried.
Lists the basic information about your policy, including coverages, deductibles, and coverage limits.
The amount you agree to pay for repairs before Acuity starts covering additional costs.
Special provisions added to a policy that add, remove or otherwise alter coverage. Endorsements can be used to tailor coverage to your specific needs.
First party benefits
Provides a variety of medical benefits for you and your passengers after an accident.
Knowledgeable insurance professional who represents multiple insurance companies to recommend and service each customer’s insurance needs.
Protects your assets when you are at fault in an accident that results in physical injury to other people and/or damage to their property.
The amount of insurance carried.
Limits each occurrence/accident
The maximum amount that will be paid for all claims resulting from a single accident.
Limits each person
The maximum amount that will be paid for injuries to a single person per occurrence.
Damage or injury that may be covered under your policy.
Loss of Business Income
If you experience a vehicle or equipment breakdown, Acuity's Loss of Business Income coverage will reimburse your business income while repairs are being completed.
Pays medical and funeral expenses for you, a family member, or a passenger in your vehicle if they are injured or killed in an accident. It will also pay for medical expenses if you get hit by a vehicle while walking or riding a bike.
The lender in a mortgage, typically a bank.
The cause of damage or injury such as fire, vandalism or an animal.
Personal Injury Protection (PIP)
Pays for your medical expenses, work loss, funeral expenses, and survivor benefits after an accident.
The period of time insurance protection is granted.
The price of insurance protection.
Covers physical damage to another person’s property when you are at fault. This coverage does not pay for your own damages.
If you or your vehicle are hit by someone who does not have enough insurance, underinsured motorists coverage will cover the difference between your bills and the other driver's insurance.
Uninsured Motorists – Bodily Injury
If you or your vehicle are hit by someone who does not have insurance, uninsured motorists coverage will pay for injury-related medical expenses to you or anyone in your vehicle.
Uninsured Motorists – Property Damage
If you are in an accident with a driver who does not have insurance, uninsured motorists-property damage will pay for the damage done to your car that you are legally entitled to recover.