MEDICAL PAYMENTS COVERAGE: Covers you and your immediate family members if you’re hit by a car. It covers medical payments, dental care, and funeral costs. Medical payments covers the insured, spouse, any family members or any other persons occupying a car. It also covers any pedestrians when they are struck by a car (not necessarily one insured by the policy) or by a trailer. MODIFIED COMPARATIVE NEGLIGENCE: A type of negligence law that determines the other driver’s insurance will pay you if you’re less than a certain amount These policies are not just for companies; individuals can purchase them for private passenger autos. This coverage protects against any bodily injury or property damage you might cause in an accident with your friend’s car. This type of coverage is actually cheaper than your typical auto policy. NEGLIGENCE : Not being careful enough while driving. Reviewed by claims adjusters after a claim has been filed. NO-FAULT STATE: In no-fault states, it doesn’t matter who causes an accident. Both drivers file claims with their own insurance companies. The right to sue the other driver is often limited. PERMISSIVE USE: Letting someone else (who’s not in your home) use your car. responsible, usually around 50%. NAMED NON-OWNER POLICY:
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