In-Depth Coverage Descriptions: Humans

Uninsured Motorist Bodily Injury

Uninsured/Underinsured Motorist Bodily Injury coverage pays for medical bills if you are hit by a driver who doesn’t have any or enough car insurance. It kicks in when the uninsured or underinsured driver who hit you is at-fault for the accident. Your UM “limits” are the most that Noblr will pay per person and per occurrence when this coverage is applied.

You can opt out of this coverage or choose limits that are lower than your Bodily Injury coverage in writing. Call us at 1-877-BE-NOBLR for an Uninsured Motorist Bodily Injury Coverage Rejection form to opt out of this coverage or select limits lower than your Bodily Injury coverage.

Medical Payments

“Med Pay” coverage pays for your medical bills in the event of an accident regardless of who is at fault. If you’re injured in an accident, this coverage kicks in before your health insurance and can be used to pay your health insurance deductible or coinsurance payment.

If you cause an accident, this is the only coverage that helps pay your own medical bills.

Available in select states.

Personal Injury Protection

Personal Injury Protection, or “PIP,” is a lot like it sounds, it pays for your medical bills if you are injured in an accident, regardless of who is at fault.

PIP can also cover up to 80% of your lost wages and, in some cases, additional services to help when your accident related injury prevents you from doing the basic things needed to care for your household and family.

Your PIP coverage is automatically included in your policy unless you choose to opt out of the coverage in writing. Call us at 1-877-BE-NOBLR for a Personal Injury Protection Rejection form to opt out of this coverage.

Available in TX.

In-Depth Coverage Descriptions: Cars

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 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 towardsrepairs 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 Collision & Comp coverage.

Collision

Collision coverage pays for repairs to your car if it is damaged in a collision or if your car rolls over.

Your “deductible” is the amount you have to pay toward 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 Collision & Comp coverage.

Uninsured Motorist Property Damage

Uninsured Motorist Property Damage (UMPD) pays for damage to your car only when it’s caused by another driver who doesn’t have any or enough insurance.
You have the option to get Collision coverage instead of UMPD.

Available in OH.

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.

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 or a jump.

In-Depth Coverage Descriptions: Money

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 may 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.

Property Damage

Property Damage or “PD” can help cover 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 pays for the costs to repair that damage and any legal fees. The “limits” you see here refer to the maximum coverage “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.

Disclaimer: The amount and extent of coverage will vary depending on which choices you make.