Recommended Coverage

Bodily Injury   100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300
Property Damage  100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
Uninsured Motorist  100/300 100/300 100/300 (Added on) 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300
Under Insured Motorist  100/300 100/300 N/A 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300 100/300
Medical Expense  5,000 5,000 2,000 (we must quote at 2000) 10,000 5,000 5,000 5,000 5,000 (see note) N/A 5,000 N/A 10,000 5,000 5,000 N/A 5,000 N/A 10,000
Comp Deductible  500 500 500 500 250 500 100 500 500 500 500 500 500 500 500 500 500 0
Collision Deductible  500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500
Personal Injury Protection  N/A N/A N/A N/A N/A N/A N/A Option B (basic) Option A N/A 30,000, Option A N/A N/A N/A Option Y (This will change 1/1/10) N/A 3,000, Option A N/A
Uninsured Motorist Property Damage  N/A Ded only chosen ($0 or $100) 25,000 (added) N/A N/A 15,000 w/ $250 ded (only option) 10,000 (only option) N/A N/A N/A N/A N/A N/A 7,500 w/ $250 ded (only option) 10,000 (only option) N/A 3,500, $250 ded (only option) N/A
Notes  Basic PIP - $4500 ME, $4500 rehabilitation expenses, essential services ($25/day for one year), $2000 funeral services, loss of income (85% of gross income up to $900 per month for one year). $20,000 ME, 85% of wage loss up to $250/wk, up to $200/wk for essential services. Option A PIP - Includes ME and rehabilitation expenses, wage loss (85% of WL up to $150 per week), up to $15 per day for essential services up to aggregate limit. ME up to $15000, WL, 70% of WL up to $1250 per month for 52 weeks (this will change to $3000 effective 1/1/10), up to $30/day for 52 weeks for essential services, up to $5000 for funeral expenses. ME up to $3000, WL up to $250 per week for 52 weeks, essential services up to $20 per day for 365 days, funeral services up to $1500.