HDF 322 Lecture 22 Outline of Last Lecture I Home Owners Insurance Outline of Current Lecture II Auto Insurance Bodily Injury Liability and Property Damage Liability III Limits IV Medical Payments V Personal Injury Protection VI Under Uninsured Motorist VII Other Than Collision VIII Collision IX Accidental Death Current Lecture I Auto Insurance Bodily Injury Liability B1 a This is Automatic in TEXAS b Protects 1 Policy holder spouse kids anyone with permission sometimes you and other c Against claims for injury to others caused by your car d Property Damage Liability PD 50 000 recommended i Protects same as B1 ii Pays others These notes represent a detailed interpretation of the professor s lecture GradeBuddy is best used as a supplement to your own notes not as a substitute II Limits a 50 100 15 b 50 000 per person in accident c 100 000 to all persons in accident d 15 000 to property damage e recommended 100 300 50 f required by state 30 60 25 III Medical Payments a Medical hospital and funeral for you family passengers also when struck by a car IV Personal Injury Protection a PIP hospital med funeral for family and passenger b Also lost wages and essential services 80 c Automatic in TEXAS V Under Uninsured Motorist a When in accident with uninsured or hit and run youre not at fault b Recommended c Deductible of 250 limit of BIPD d Automatic in TEXAS VI Other Than Collision a comprehensive b damage to your car not collision or roll over c deductible per occurrence 50 VII Collision a Pays for your car when you re at fault collision and orll over b Deductible per occurrence 200 VIII Accidental Death a Towing b Rental endorsement
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