Limit of Liability
The ceiling set on the amount an insurer will pay for a loss. See Single Limit Liability and Split Limit Liability.

Livery Use
This is use of a vehicle to carry passengers for a fee, as in a taxi cab or a rented limousine. Unless specified in your policy, livery use is not covered by your automobile insurance. Carpooling is not considered livery use.

Medical Payments/Personal Injury Protection
Covers you, the members of your household and your passengers for medical and funeral expenses resulting from an automobile accident, regardless of who is at fault. Personal Injury Protection is not applicable in all states.

Motor Vehicle Record (MVR)
Your state’s record of your automobile accidents and/or traffic violations. Your insurance rates are based on, among other factors, the quality of your driving history—a good record can mean lower rates! When you accept a policy with Electric Insurance, for example, we use your driver’s license number to review your MVR for claims, losses and violations you may have had in the past five years.

Multi-Car Discount
If you have more than one car insured with Electric Insurance, you probably qualify for a 20% discount (available in most states)!

No Fault
See PIP (Personal Injury Protection)

Ownership
The Personal Auto Policy covers cars owned by an individual, or a husband and wife residing in the same household. These requirements exclude coverage for cars owned by businesses or groups of people.

Personal Injury Protection Deductible
Under the Personal Injury Protection coverage, you have the option of choosing a deductible. The deductible amount is the amount that you will pay before you are entitled to any recovery payment under PIP coverage. You may also purchase Co-Payment Only PIP, which requires the injured person to pay 20% of his/her medical expenses and rehabilitation expenses until his/her out of pocket expenses exceed $2,500. The third option is to choose both a deductible and a co-payment, the deductible will apply first. After the deductible is paid the injured person will pay 20% of his/her medical expenses and rehabilitation expenses. When the injured person's total out-of-pocket expenses, including any amount paid toward the deductible, exceeds $2,500, we will pay 100% of the covered medical expenses and rehabilitation expenses. These options do not apply to all states with Personal Injury Protection coverage options.

Personal Injury Protection Waiver of Work Loss
Under the Personal Injury Protection coverage, selecting Waiver of Work Loss will eliminate coverage for any work loss due to the covered accident. You may waive the Work Loss coverage only if you and your resident spouse (if applicable) have not received any earned income from wages during the thirty-one days prior to your policy's effective date and none is expected in the next one hundred eight days. (This waiver applies only to the named insured and resident spouse. All other covered persons will be entitled to basic PIP benefits for Work Loss). This option does not apply to all states with Personal Injury Protection coverage options.

Property Damage
Damage to the property of others, including loss of use, caused by your car or another person’s car driven by you or a family member.