Auto Insurance

AUTO INSURANCE TERMS

Accident or Occurrence means a sudden event, including continuous or repeated exposure to same conditions, resulting in bodily Injury or property damage neither expected nor intended by the insured person.

Bodily Injury means bodily Injury to or sickness, disease or death of any person.

Damages are the cost of compensating those who suffer bodily Injury or property damage from an accident.

Family member means a person related to you by blood, marriage or adoption who is a resident of your household.

Insured person means:

1.	You or any family member.
2.	Any person using your insured car.
3.	Any other person or organization with respect only to legal liability for acts or omissions of:
	a.	Any person covered under this part while using your insured car.
	b.	You or any family member covered under this part while using any private passenger car, utility car or utility trailer other than your insured car if not owned or hired by that person or organization.

Insured person does not mean:

1.	The United States of America or any of its agencies.
2.	Any person for bodily injury or property damage arising from the operation of a vehicle by that person as an employee of the United States Government when the provisions of the Federal Tort Claims Act apply.
3.	Any person who uses a vehicle without having sufficient reason to believe that use is with the permission of the owner.

Occupying means in, on, getting into or out of.

Private Passenger Car means a four wheel land motor vehicle of the private passenger or station wagon type actually licensed for use upon public highways. It includes any motor home with no more than six wheels and not used for business purposes.

Property Damage means a physical injury to or destruction of tangible property, including loss of its use.

State means District of Columbia and any state, territory or possession of the United States, or any province of Canada.

Utility car means a land motor vehicle having at least four wheels actually licensed for use upon public highways, with a rated load capacity of not more than 2,000 pounds, of the pickup, panel or van type. This does not mean a vehicle used in any business or occupation other than farming or ranching. However, it does include a newly acquired or replacement vehicle of the same type if its usage is the same as utility car described in the Declarations.

Utility trailer means a vehicle designed to be towed by a private passenger car and includes a farm wagon or farm implement while towed by a private passenger car or utility car. It does not include a trailer used as an office, store, display or passenger trailer.

Your insured car means:

The vehicle described in the Declarations of the policy or any private passenger car with which you replace it. You must advise your insurance company within a specified period mentioned in your policy of any change of private passenger car or utility car.
Any additional private passenger car or utility car of which you acquire ownership during the policy period. Provided that you notify your insurance company within specified period mentioned in your policy of its acquisition.
Any utility trailer:
a. That you own, or
b. While attached to your insured car.
Any private passenger car, utility car or utility trailer not owned by you or a family member while being temporarily used as a substitute for any other vehicle described in this definition because of its withdrawal from normal use due to breakdown, repair, servicing, loss or destruction.