Insurance Policy Coverage Notes PDF

Expanded Uninsured/Underinsured Motorist Coverages   Uninsured/Underinsured Motorist Stacking           State Stacking Differences   Florida (FL) - This typically lowers premium; however, the insured loses the obvious benefits of stacking. - If the policy is bound with the stacki...

Expanded Uninsured/Underinsured Motorist Coverages   Uninsured/Underinsured Motorist Stacking           State Stacking Differences   Florida (FL) - This typically lowers premium; however, the insured loses the obvious benefits of stacking. - If the policy is bound with the stacking option rejected, the client must send us a signed form confirming their rejection within 21 days. If the form is not received, the coverage will be added back to the policy and the appropriate premium will be charged. A screenshot of a computer screen Description automatically generated Pennsylvania (PA)  Mississippi (MS) Connecticut (CT), Georgia (GA), Maryland (MD), and Virginia (VA) - **Underinsured Motorist Conversion Coverage **- Connecticut (CT) - **Uninsured Motorist Added** -- Georgia (GA) - **Enhanced Underinsured Motorist Coverage(EUIM) **-- Maryland (MD) - **Uninsured/Underinsured Motorist Alternative** -- Virginia (VA) - \$250,000 (insured's policy) + \$25,000 (other party's policy) = \$275,000 (for the insured)       Expanded Physical Damage Coverages   Custom Equipment   Gap Coverage   Comprehensive Full Glass A screenshot of a computer Description automatically generated Replacement Cost (Private Passenger Auto-PPA Only) - Has Comprehensive and Collision coverages **and** - Is a model year that is 2 years old or less from the current calendar year **and** - Has not been previously titled **and** - Is insured with Comprehensive and Collision Replacement Cost coverages within the first year of ownership. - *Coverage is not available for leased vehicles.* - *Deductible must be same deductible as Comprehensive and Collision.* - *Coverage will be removed on the first renewal after auto becomes 3 years old.* Diminishing Deductible   - If a claim is filed, the credit can be applied toward the Comprehensive or Collision deductible for any covered vehicle. - Towing and labor only claims do **not** reset the deductible credit to 0%. - If the Comprehensive or Collision deductible is changed on any vehicle, the deductible credit is reset to 0%.   Original Equipment Manufacturer (OEM) (PPA Only)   Accident Forgiveness - any violations in the 12 months prior to the policy effective date. - any chargeable accidents in the 12 months prior to the policy effective date. - any major violations within 35 months. - No more than one chargeable accident in the 35 months prior to the policy effective date.   Mexico Coverage (PPA Only) - May be purchased for any vehicle with Comprehensive and Collision coverages. - Repairs must be made in the United States. - Liability insurance from a licensed Mexico insurance company must be in-force at the time of loss. Proof of coverage is required when a loss occurs. - Does not cover towing and labor or rental reimbursement. +-----------------------------------+-----------------------------------+ | | *If the covered vehicle cannot be | | | driven as a result of a loss that | | | occurred in Mexico, this coverage | | | will pay the cost of necessary | | | towing and labor to return the | | | covered vehicle to the nearest | | | point in the United States where | | | repairs can be made.* | | | | | | NGIC has a partnership with | | | International Insurance Group, | | | Inc., which gives us more product | | | options for our insureds who want | | | to drive across the border into | | | Mexico. | +-----------------------------------+-----------------------------------+ PPA Restricted Coverage ***NOTE:** Depending on the state and/or client tier, NPS may require you to select 'yes' for PPA restricted.*    Rental Coverages   Rental Reimbursement   ETE -- Extended Transportation Expense   SureDrive   A screenshot of a car registration form Description automatically generated   Towing