Glossary of Terms

Anti-theft Device – Anti-theft devices are permanently installed on your vehicle to inhibit theft. Mechanical devices such as steering wheel lock bars, shifter locks, and brake pedal locks are NOT considered anti-theft devices for Infinity Insurance rating purposes.

Bodily Injury Liability – This coverage pays for injuries that you cause someone else when an accident is your fault.

Collision Coverage – This coverage pays for damage to your car resulting from a collision with another car or object.

Comprehensive Coverage – This coverage pays for damage to your car caused by something other than a collision, such as theft, hail, flood, vandalism or contact with animals.

Deductible – Your deductible is the out of pocket amount you would be required to pay in the event of an insurance claim before your Infinity Insurance coverage kicks in.

Medical Payments – This coverage pays for medical expenses for injuries sustained by you and other passengers in your vehicle, regardless of who is at fault.

Property Damage Liability – This coverage pays for damage caused by you to another person’s property, such as a fence or telephone pole.

Rental Reimbursement Coverage – This coverage pays toward the expense of renting a vehicle if it becomes inoperable due to an accident. This coverage is only available if you have Comprehensive and Collision Coverage.

Special Equipment Coverage – This coverage pays for items damaged or stolen that are not included under standard insurance packages. This coverage is only available if you have Comprehensive and Collision Coverage.

Towing & Labor Coverage – This coverage provides reimbursement to tow your vehicle or pay for on-site labor costs, in case of a breakdown. This coverage is only available if you have Comprehensive and Collision Coverage.

Underinsured Motorist Coverage — This coverage pays for your injuries when the legally liable third party has insufficient limits to completely cover your medical expenses or vehicle damages.

Uninsured Motorist Coverage – This coverage pays medical expenses for you and your passengers for bodily injuries sustained as a result of an accident with a legally liable uninsured motorist or a hit and run driver.

VIN – Your VIN (Vehicle Identification Number) is a 17-digit alphanumeric code that identifies the make and model of your vehicle. It provides information about safety features that are standard on your vehicle, which can affect your insurance premium.