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<br />AUTOMOBILE COVERAGE DEFINITIONS <br /> <br />FOR A FULL DESCRIPTION OF TERMS, DEFINITIONS AND CONDITIONS PLEASE <br />REFER TO THE POLICY DOCUMENT <br /> <br />AUTOMOBILE LIABILITY <br />This coverage is used to protect against claims alleged for bodily injury and property <br />damage arising from the ownership, maintenance, or use of any covered auto. <br /> <br />PERSONAL INJURY PROTECTION (NO-FAULT) <br />This coverage i.s used to provide medical expenses as well as work loss, funeral <br />expenses, essential services expenses, and survivor's loss coverage as outlined in your <br />state's statutory No-Fault laws. <br /> <br />UNINSURED/UNDERINSURED MOTORIST <br />Uninsured and Underinsured Motorist coverage protects you and your passengers <br />against bodily injury expenses if you are hit by another driver who has no automobile <br />liability insurance or has less than the minimum limits required by your state. <br /> <br />MEDICAL PAYMENTS <br />This coverage is used to pay for medical expenses incurred by a covered person injured <br />while driving or riding in your automobile. It provides coverage, regardless of fault, for <br />all reasonable medical costs incurred for up to one year from the date of the accident. It <br />does not cover injury to employees. <br /> <br />AUTOMOBILE PHYSICAL DAMAGE <br />This coverage is used to protect the covered vehicle itself. It pays for physical damage <br />loss that results from a covered peril. <br /> <br />HIRED AUTOMOBILE COVERAGE <br />This coverage is used to protect against claims arising out of the use of vehicles leased, <br />hired, rented, or borrowed by you, or your employees, while in the course of business. <br /> <br />NON-OWNED AUTOMOBILE COVERAGE <br />This coverage is used to provide liability protection for autos used in your business that <br />are not owned, leased, hired, rented, or borrowed. This includes autos of employees <br />and subcontractors that are used on your behalf. <br /> <br />20 <br />Brown & Brown of Florida, Inc. <br />