Uninsured Motorist Bodily Injury

Uninsured Motorist Bodily Injury coverage can be used toward your medical bill(s) if you are hit by a driver who doesn’t have any car insurance. It can kick in when the uninsured driver who hit you is at-fault for the accident. Your Uninsured Motorist “limits” are the most that Noblr will pay per person and per occurrence when this coverage is applied. If you choose “Stacking” and you have more than one car on your policy, your selected limit may be multiplied by the number of cars on your policy for additional protection. If you choose “Non-Stacking”, your selected limit is the maximum coverage, even if you have more than one car on your policy.

Underinsured Motorist Bodily Injury

Underinsured Motorist Bodily Injury coverage can be used toward your medical bill(s) if you are hit by a driver who doesn’t have enough car insurance, and that driver is found to be at fault. If you choose “Stacking” and you have more than one car on your policy, your selected limit may be multiplied by the number of cars on your policy for additional protection. If you choose “Non-Stacking”, your selected limit is the maximum coverage, even if you have more than one car on your policy.

Medical Payments

“Medical Payments” aka “Medical Expenses” coverage is a lot like it sounds, it can go towards your medical costs in the event of an accident regardless of who is at-fault. If you’re injured in an accident and this coverage kicks in, it can be used to pay your medical bill(s), health insurance deductible, or coinsurance.

Comprehensive

Comprehensive coverage (a.k.a. “Comp”) pays for repairs to your car if it gets damaged just sitting there. For example, theft, vandalism, hail, fire, or falling objects like tree limbs. Wear and tear to your car is also not covered (such as repair for things like mechanical failure, breakdowns, freezing, or road damage to your tires). Your “deductible” is the amount you have to pay towards repairs when coverage kicks in. Let’s say you have a $500 deductible. If your car collides with a tree and the repairs cost $3,000, then you pay the first $500 and Noblr pays the remaining $2,500.

PS: If you have a car loan or you lease your car, then your lender/leasor most likely requires you to buy Comp & Collision coverage.

Collision

Collision coverage can pay for repairs to your car if it is damaged in a collision or if your car rolls over. Your Collision “deductible” is the amount you have to pay towards repairs when coverage kicks in. In order to get Collision coverage you must have Comprehensive coverage.

Rental Car Coverage

Rental car coverage helps pay for a car rental when you are unable to drive your car due to a covered loss such as an accident, vandalism, or theft.

Loan/Lease Gap Coverage

If your financed or leased car gets totaled, then this coverage can help cover the difference in cost between the cars current value and what you still owe on it. For example, if your car’s actual cash value is $5,000 and you still owe $7,500 on the car loan, then Loan Lease Gap coverage can pay 25% of $5,000 value of the car to help cover the $2,500 difference.

Roadside Assistance

We all need a hand from time to time. That’s why Noblr policies include roadside assistance coverage to help you out if you need a tow, jump start, are locked out, or need a tire change. Roadside Assistance may be used up to 3 times per covered car every 6 months, subject to policy terms and limitations.

Bodily Injury

Bodily Injury coverage or “BI” (as the insurance nerds call it) kicks in if another person is injured in an accident that you caused. If you are found at-fault for the accident, then BI can cover the medical costs for the injuries and your legal defense if you are sued for damages. That usually means hospital bills and legal fees. The “limits” you see here refer to the most that Noblr will cover “per person” and overall for a single “occurrence” when your policy kicks in. In other words, that is the amount of coverage you’re buying.

Property Damage

Property Damage or “PD” covers you when you damage someone else’s property in an accident: think fences, telephone poles, guard rails, etc. If Noblr finds that you are at fault for an accident that causes property damage, then PD can pay for the costs to repair that damage.

Income Loss Benefits

Income Loss Benefits coverage can be used to go towards lost wages if you or another covered person are unable to work due to a covered accident.

Funeral Benefits

Funeral Benefits coverage can help with certain funeral expenses caused by a covered accident.

Accidental Death Benefits

Accidental Death Benefits coverage can pay a beneficiary up to your selected policy limit, in the event of the accidental death of a covered person due to a covered accident.

Extraordinary Medical Benefits

If the medical costs due to a covered accident exceed $100,000, Extraordinary Medical Benefits coverage can pay for up to $1,000,000 in medical costs, subject to policy terms and limitations.

Combined First Party Benefits

Combined First Party Benefits is a package that includes benefits for medical costs, income loss, accidental death, and funeral costs due to a covered accident, subject to policy terms and limitations. This combined package limit includes a sublimit of $25K for Accidental Death Benefit and a sublimit of $2.5K for Funeral Benefits.

Tort Options

The tort options you select determine what you’re able to collect from another driver if they are found at fault for your injuries. If you select “Limited Tort”, in most circumstances, you may only seek reimbursement for your actual expenses related to your injuries such as medical bills and lost wages. If you select “Full Tort” you can seek compensation for your pain and suffering as well medical bills and lost wages.