Glossary

The legal responsibility of an individual for causing loss to someone else, by injuring them or damaging his or her vehicle or property.

A type of coverage that offers protection if you or anyone named as a driver on your policy damages a vehicle that doesn’t belong to you. It also means that if you rent a car for personal use within the geographical area covered by your policy, you won’t have to pay for the insurance offered by the rental company.

This endorsement applies to:

• Private passenger automobiles
• Home trailers
• Tent trailers
• Utility trailers

Any event causing damage.

Covers your transportation expenses when you can’t use your vehicle because of loss or damage to your car caused by a peril that's included in your insurance coverage. Expenses include the rental of a substitute automobile, including taxis or other means of public transportation.

While it covers reasonable expenses to rent a similar, substitute automobile, this coverage does not give you the option of renting any vehicle of your choice, up to the selected limit.