Accidental death coverage is sometimes a part of your auto insurance policy's Personal Injury Protection or First Party Benefits plans.

If someone who's covered dies from accident-related injuries, this type of auto insurance coverage may provide a payment to the insured's designated beneficiary.

You'll see this term many times in auto insurance policies or if you ever have to file an auto insurance claim. That's because most auto insurance coverage reimburses you only for the actual cash value of your car. Your car's actual cash value is calculated by determining its original value, minus the amount your car has depreciated since you bought it.

An adjuster is the person who investigates and settles auto insurance claims.

Agents and brokers both sell and manage insurance for their customers. Agents are the authorized representatives of an insurance company or companies, while brokers are the authorized representatives of people looking for auto insurance.

These systems consist of an electronic device that's installed in a concealed area of your car. If your car gets stolen, you can activate the device and it will emit a signal that can be used to locate your car.

By installing an anti-theft recovery system, you may be eligible for an auto insurance discount.

A benefit is the amount paid by an auto insurance company to you or your beneficiary when you file an auto insurance claim.

Bodily injury liability coverage protects you if you are held responsible for injuring someone in a car accident.

This coverage helps pay for the injured party's medical expenses and lost wages. Bodily injury liability may also help pay your expenses in a related lawsuit.

The amount covered is capped at the limits you select when you buy your auto insurance policy.

This classification means that you mainly use your car for business purposes (such as sales, service, and delivery calls) or work-related errands (like trips to the bank or post office), and other work-related driving. Commuting to and from work is not considered business use.

When you pay for your auto insurance policy with a credit or debit card, we ask for the card's ID number. This 3-digit number is printed on the signature strip of cards with the MasterCard, Visa, and Discover logos. American Express card ID numbers are 4 digits long, and are printed on the card's front side, immediately above the actual card number.

To better safeguard your security, many businesses like ours are starting to ask for a card ID number. The card ID number helps ensure that no one is able to make a purchase without having an actual credit or debit card in their possession.

An auto insurance claim is a policyholder's request to be reimbursed for a loss that's covered by car insurance.

Collision coverage helps pay for auto repair or replacement costs if your car hits another vehicle/object or if your car rolls over.

The maximum amount paid for repair or replacement is the car's actual cash value, minus the amount of the deductible you choose when you buy your auto insurance policy.

This auto insurance coverage pays the deductible for your collision coverage if you're involved in an accident in which an uninsured motorist is held legally responsible.

This particular auto insurance coverage isn't available in all states. If it is available, you have to buy this coverage with collision coverage when you buy your auto insurance policy.

If you primarily use your car for commuting, this means that you mainly use the car to drive it to and from work or school.

Comprehensive coverage helps pay for damage to your car resulting from fire, certain natural disasters, falling objects, and vandalism. Theft's also covered.

The maximum amount paid for repair or replacement is the car's actual cash value, minus the amount of the deductible you choose when you buy your auto insurance policy.

The length of time you've been continuously insured is the number of years you have been covered by one or more insurance companies without a lapse in your auto insurance coverage.

For some types of auto insurance coverage, you're asked to choose a deductible. A deductible is the amount of damages you agree to pay for if you file an auto insurance claim.

Though choosing a higher deductible can substantially lower your auto insurance premium, if you file an auto insurance claim, you'll have to pay the full, pre-established amount of the deductible out of your own pocket in order to receive payment from your auto insurance company.

Liability is a term that broadly means legal responsibility. If you run a stop sign and hit another car, you may be found liable for the damages to the other driver's car.

hese courses consist of defensive driving training for drivers of all ages as well as "mature driver safety courses" intended for drivers age 55 and over.

In certain states, you may qualify for an auto insurance discount if you're in the eligible age range and if you've taken one of these safety courses.

Depreciation is the decline in an object's value due to age, wear and tear, or obsolescence.

The effective date is the date your auto insurance coverage begins. You are not covered by car insurance prior to an auto insurance policy's effective date.

This optional coverage, sometimes called towing coverage, pays a fixed amount toward the following:

• Towing
• Tire changing
• Gas, oil, and water delivery
• Battery services
• Lockout services

Also known as riders, endorsements are changes to the original insurance contract. In auto insurance coverage, endorsements may include changing your deductibles or adding a new car to your auto insurance policy.

Exclusions are situations that are not covered by a given auto insurance policy. Specific exclusions are listed in your auto insurance policy.

Though there is no such thing as "full coverage," people often use this term to describe how much auto insurance coverage they have. Full coverage often implies that the policy has more than just liability coverage.

The garaging location is where your insured car is parked most of the time. This location is usually indicated by the ZIP Code of the policyholder's primary residence. Notify your Auto Insurance Company if you normally keep your car in a town other than the one you live. Your garaging location will affect your auto insurance rates.

Hybrid Electric Vehicles are powered by a combination of battery and fuel. By using less gas, HEVs emit fewer pollutants and receive better gas mileage than standard vehicles.

If your car is vandalized or stolen, it should be reported to your auto insurance company; however, items stolen from your vehicle are usually covered under your homeowners insurance.

An indemnity is a pre-determined sum paid for a covered loss.

Insurance claim reports provide details about auto insurance claims you or other insured drivers have filed with insurance companies. These reports are provided by independent consumer reporting agencies that collect auto insurance claim information from a variety of insurance companies. One of the most common agencies issuing such reports is C.L.U.E., the Comprehensive Loss Underwriting Exchange.

Insurance scores are based on analytical models that objectively measure the relative likelihood of future insurance losses based on your credit history. These scores and analyses of their significance are provided by independent consumer reporting agencies.

A judgment is a final decision rendered by a court of law. For example, in a lawsuit related to an auto accident, where Mary hit Nancy’s fence, the court determined that Mary was wholly responsible for the accident. The judgment determined that Mary should pay for the costs of repairing Nancy’s fence.

Juvenile: A minor person who is under 18 years of age, or who is 18 but has not graduated high school, and who has not been permitted by a court of law to emancipate from his parents or guardians. An emancipated minor is a minor who is under age 18 and ahs been permitted by a court of law to be free from the authority of his or her parents or guardians. In order to be allowed to emancipate, a minor must demonstrate to the court that he or she is able financially and emotionally to obtain shelter, work and reside on his or her own without any assistance from others, including the state.

Liability coverage protects you from having to deplete your assets to pay for damages if you're held responsible for injuries or damages arising from a car accident.

The two main types of liability coverage in an auto insurance policy are bodily injury and property damage.

The insured is an individual covered by a given auto insurance policy.

Limits are the maximum amount an insurance company will pay for a covered loss. Though you can choose your limits for certain coverage, some states require you to buy certain levels of auto insurance coverage. In such states, you'll have to choose limits that at least meet your state's auto insurance requirements.

This auto insurance coverage pays medical bills and/or funeral expenses if a covered driver and/or accompanying passengers are injured or killed while in an insured vehicle, regardless of fault in an accident.

This may also cover policyholders and their family members when in others' vehicles, or when policyholders and their family members are on foot and hit by a car.

The amount paid by medical payments coverage is capped at the limit you choose when your buy your auto insurance policy.

A Motor Vehicle Report (MVR) provides information on your driving record. This report includes accidents and moving violations. Auto insurance companies obtain MVRs from states where you or other insured drivers have been licensed to drive.

The National Credit File provides objective consumer information regarding the financial history of an individual. Information contained in this report is often used to calculate insurance scores.

If a type of auto insurance coverage is described as no-fault, this generally refers to the way the insurance company settles a covered auto insurance claim.

Generally, if coverage is no-fault, responsibility doesn't have to be assigned before an auto insurance claim gets settled.

In some states, called no-fault states, insurance companies are legally required to pay a policyholder's covered losses, regardless of who's held responsible for an accident.

Some no-fault states also restrict the right to sue for damages. In states without no-fault regulations, the insurance company covering the person who caused an accident is forced to pay for covered losses.

A non-passive alarm has to be manually activated every time you leave the car. If someone attempts to open your car, the alarm sounds, and the system disables the automobile's starter, ignition system, and/or fuel circuit.

You may qualify for an auto insurance discount if your car is equipped with such an alarm.

Passive alarms are automatically activated and emit warning sounds when someone tries to get into your car. Once the passive alarm has been triggered, the system disables the automobile's starter, ignition system, and/or fuel circuit.

You may receive an auto insurance discount if your car is fitted with such an alarm.

Personal Injury Protection, or PIP, is a kind of auto insurance coverage available only in certain states, where it's often mandatory.

PIP generally includes expanded coverage of accident-related medical costs. In some states, PIP also pays for lost wages and similar losses.

Specific protections afforded by this type of auto insurance coverage and limits on PIP payments vary widely from state to state.

If you use your car for pleasure, this means that you typically drive it for fun, with no regular commuting or business use.

Your auto insurance policy's expiration date is the date when auto insurance coverage ends if your auto insurance policy isn't renewed. The expiration date can be found on the declarations page of your auto insurance policy, on a proof of insurance card, or on a recent auto insurance renewal notice.

A policy term is the length of time an auto insurance policy is valid. Auto insurance policies from certain Auto Insurance Companies have a policy term of 6 months or 12 months, depending on where you live.

The primary driver is the person who drives a car most frequently.

A vehicle's primary use is how the car is typically used. Auto insurance companies usually classify primary use as commuting, business/commercial, or pleasure use.

The primary policyholder is the person who serves as the main point of contact with your Auto Insurance Company. Since he/she is the main point of contact, we need the primary policyholder's valid email address so that we can send account updates, auto insurance renewal notices, and other policy-related communication.

Typically, the primary policyholder is also the person billed for your auto insurance policy from your Auto Insurance Company. If you prefer, any other person listed on your auto insurance policy can also be billed for your auto insurance premium.

Property damage liability coverage protects you if you are held responsible for damaging someone else's property in a car accident.

Property damage coverage helps you reimburse another person for their damaged property (such as a car, a fence, or a home). This type of auto insurance coverage also helps pay your expenses in a related lawsuit.

The amount covered by property damage liability is capped at the limit you choose when you buy your auto insurance policy.

Rental car reimbursement is an optional kind of auto insurance coverage that helps pay for your rental car expenses if an insured car is damaged or stolen and you need a rental car.

An SR-22 is an official document that shows proof of financial responsibility. Motor Vehicle Departments may require an SR-22 or a similar form for people convicted of certain traffic violations. If an SR-22 is needed, please call our customer service team to purchase your Auto Insurance policy.

A secondary driver is one of the drivers listed on your auto insurance policy who's insured for driving an insured vehicle. However, this driver is not a car's primary driver.

A secondary driver is also sometimes known as an occasional driver in auto insurance terminology.

A steering restraint is a durable collar or shield fitted to the upper and lower casing of your car's steering column. The collar makes it harder for potential thieves to access, or "hotwire," your car's ignition system.

You may qualify for an auto insurance discount if your car is fitted with a steering restraint.

This type of auto insurance coverage is optional, and pays a fixed amount toward towing if your car breaks down or if it's disabled in an accident.

Underinsured motorist bodily injury coverage is available in some states, where it's often mandatory.

This type of auto insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto insurance coverage.

This kind of auto insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit.

The amount covered by underinsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.

Underinsured motorist property damage coverage is available in some states, where it's often mandatory.

This type of auto insurance coverage protects you if your car is damaged in an accident caused by a driver who has insufficient auto insurance coverage. Other specific protection afforded by this type of auto insurance coverage varies from state to state.

This kind of auto insurance coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit.

The amount covered by underinsured motorist property damage is capped at the limit you choose when you buy your auto insurance policy.

Uninsured motorist bodily injury coverage is available in some states, where it's often mandatory.

This kind of auto insurance coverage pays for your medical expenses, lost wages, and other general damages when you or your passengers are injured in an accident caused by a driver who has no car insurance. Uninsured motorist coverage also pays for injuries sustained in hit-and-run accidents.

The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.

Uninsured motorist property damage coverage is available in some states, where it's often mandatory.

This kind of auto insurance coverage protects you if your vehicle is damaged in an accident caused by a driver who has no car insurance. Other protection afforded by this type of auto insurance coverage varies from state to state.

The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy. In some states, you'll need to pay a deductible each time you file an auto insurance claim.

In some states, both uninsured and underinsured motorist bodily injury are bundled into a single coverage. In the states where this type of auto insurance coverage offered, it may be mandatory.

This kind of auto insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who doesn't have enough car insurance, or who completely lacks auto insurance coverage. This type of auto insurance coverage also pays for injuries sustained in hit-and-run accidents.

The amount covered by uninsured/underinsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.

The VIN, short for Vehicle Identification Number, is the unique 17-digit number found on every car. The VIN contains the vehicle's serial number, as well as abbreviations for the make, model, and year.

The VIN appears on your vehicle registration card. It's also engraved in your car, near the base of the windshield on the driver's side dashboard and/or on the edge of the driver's side door.

Though you don't need to enter your VIN when you get a car insurance quote from Palos Verdes Insurance, you will need to provide your car's VIN when you buy your auto insurance policy.

Accidental death coverage is sometimes a part of your auto insurance policy's Personal Injury Protection or First Party Benefits plans.

If someone who's covered dies from accident-related injuries, this type of auto insurance coverage may provide a payment to the insured's designated beneficiary.

You'll see this term many times in auto insurance policies or if you ever have to file an auto insurance claim. That's because most auto insurance coverage reimburses you only for the actual cash value of your car. Your car's actual cash value is calculated by determining its original value, minus the amount your car has depreciated since you bought it.

An adjuster is the person who investigates and settles auto insurance claims.

Agents and brokers both sell and manage insurance for their customers. Agents are the authorized representatives of an insurance company or companies, while brokers are the authorized representatives of people looking for auto insurance.

These systems consist of an electronic device that's installed in a concealed area of your car. If your car gets stolen, you can activate the device and it will emit a signal that can be used to locate your car.

By installing an anti-theft recovery system, you may be eligible for an auto insurance discount.

A benefit is the amount paid by an auto insurance company to you or your beneficiary when you file an auto insurance claim.

Bodily injury liability coverage protects you if you are held responsible for injuring someone in a car accident.

This coverage helps pay for the injured party's medical expenses and lost wages. Bodily injury liability may also help pay your expenses in a related lawsuit.

The amount covered is capped at the limits you select when you buy your auto insurance policy.

This classification means that you mainly use your car for business purposes (such as sales, service, and delivery calls) or work-related errands (like trips to the bank or post office), and other work-related driving. Commuting to and from work is not considered business use.

When you pay for your auto insurance policy with a credit or debit card, we ask for the card's ID number. This 3-digit number is printed on the signature strip of cards with the MasterCard, Visa, and Discover logos. American Express card ID numbers are 4 digits long, and are printed on the card's front side, immediately above the actual card number.

To better safeguard your security, many businesses like ours are starting to ask for a card ID number. The card ID number helps ensure that no one is able to make a purchase without having an actual credit or debit card in their possession.

An auto insurance claim is a policyholder's request to be reimbursed for a loss that's covered by car insurance.

Collision coverage helps pay for auto repair or replacement costs if your car hits another vehicle/object or if your car rolls over.

The maximum amount paid for repair or replacement is the car's actual cash value, minus the amount of the deductible you choose when you buy your auto insurance policy.

This auto insurance coverage pays the deductible for your collision coverage if you're involved in an accident in which an uninsured motorist is held legally responsible.

This particular auto insurance coverage isn't available in all states. If it is available, you have to buy this coverage with collision coverage when you buy your auto insurance policy.

If you primarily use your car for commuting, this means that you mainly use the car to drive it to and from work or school.

Comprehensive coverage helps pay for damage to your car resulting from fire, certain natural disasters, falling objects, and vandalism. Theft's also covered.

The maximum amount paid for repair or replacement is the car's actual cash value, minus the amount of the deductible you choose when you buy your auto insurance policy.

The length of time you've been continuously insured is the number of years you have been covered by one or more insurance companies without a lapse in your auto insurance coverage.

For some types of auto insurance coverage, you're asked to choose a deductible. A deductible is the amount of damages you agree to pay for if you file an auto insurance claim.

Though choosing a higher deductible can substantially lower your auto insurance premium, if you file an auto insurance claim, you'll have to pay the full, pre-established amount of the deductible out of your own pocket in order to receive payment from your auto insurance company.

Liability is a term that broadly means legal responsibility. If you run a stop sign and hit another car, you may be found liable for the damages to the other driver's car.

hese courses consist of defensive driving training for drivers of all ages as well as "mature driver safety courses" intended for drivers age 55 and over.

In certain states, you may qualify for an auto insurance discount if you're in the eligible age range and if you've taken one of these safety courses.

Depreciation is the decline in an object's value due to age, wear and tear, or obsolescence.

The effective date is the date your auto insurance coverage begins. You are not covered by car insurance prior to an auto insurance policy's effective date.

This optional coverage, sometimes called towing coverage, pays a fixed amount toward the following:

• Towing
• Tire changing
• Gas, oil, and water delivery
• Battery services
• Lockout services

Also known as riders, endorsements are changes to the original insurance contract. In auto insurance coverage, endorsements may include changing your deductibles or adding a new car to your auto insurance policy.

Exclusions are situations that are not covered by a given auto insurance policy. Specific exclusions are listed in your auto insurance policy.

Though there is no such thing as "full coverage," people often use this term to describe how much auto insurance coverage they have. Full coverage often implies that the policy has more than just liability coverage.

The garaging location is where your insured car is parked most of the time. This location is usually indicated by the ZIP Code of the policyholder's primary residence. Notify your Auto Insurance Company if you normally keep your car in a town other than the one you live. Your garaging location will affect your auto insurance rates.

Hybrid Electric Vehicles are powered by a combination of battery and fuel. By using less gas, HEVs emit fewer pollutants and receive better gas mileage than standard vehicles.

If your car is vandalized or stolen, it should be reported to your auto insurance company; however, items stolen from your vehicle are usually covered under your homeowners insurance.

An indemnity is a pre-determined sum paid for a covered loss.

Insurance claim reports provide details about auto insurance claims you or other insured drivers have filed with insurance companies. These reports are provided by independent consumer reporting agencies that collect auto insurance claim information from a variety of insurance companies. One of the most common agencies issuing such reports is C.L.U.E., the Comprehensive Loss Underwriting Exchange.

Insurance scores are based on analytical models that objectively measure the relative likelihood of future insurance losses based on your credit history. These scores and analyses of their significance are provided by independent consumer reporting agencies.

A judgment is a final decision rendered by a court of law. For example, in a lawsuit related to an auto accident, where Mary hit Nancy’s fence, the court determined that Mary was wholly responsible for the accident. The judgment determined that Mary should pay for the costs of repairing Nancy’s fence.

Juvenile: A minor person who is under 18 years of age, or who is 18 but has not graduated high school, and who has not been permitted by a court of law to emancipate from his parents or guardians. An emancipated minor is a minor who is under age 18 and ahs been permitted by a court of law to be free from the authority of his or her parents or guardians. In order to be allowed to emancipate, a minor must demonstrate to the court that he or she is able financially and emotionally to obtain shelter, work and reside on his or her own without any assistance from others, including the state.

Liability coverage protects you from having to deplete your assets to pay for damages if you're held responsible for injuries or damages arising from a car accident.

The two main types of liability coverage in an auto insurance policy are bodily injury and property damage.

The insured is an individual covered by a given auto insurance policy.

Limits are the maximum amount an insurance company will pay for a covered loss. Though you can choose your limits for certain coverage, some states require you to buy certain levels of auto insurance coverage. In such states, you'll have to choose limits that at least meet your state's auto insurance requirements.

This auto insurance coverage pays medical bills and/or funeral expenses if a covered driver and/or accompanying passengers are injured or killed while in an insured vehicle, regardless of fault in an accident.

This may also cover policyholders and their family members when in others' vehicles, or when policyholders and their family members are on foot and hit by a car.

The amount paid by medical payments coverage is capped at the limit you choose when your buy your auto insurance policy.

A Motor Vehicle Report (MVR) provides information on your driving record. This report includes accidents and moving violations. Auto insurance companies obtain MVRs from states where you or other insured drivers have been licensed to drive.

The National Credit File provides objective consumer information regarding the financial history of an individual. Information contained in this report is often used to calculate insurance scores.

If a type of auto insurance coverage is described as no-fault, this generally refers to the way the insurance company settles a covered auto insurance claim.

Generally, if coverage is no-fault, responsibility doesn't have to be assigned before an auto insurance claim gets settled.

In some states, called no-fault states, insurance companies are legally required to pay a policyholder's covered losses, regardless of who's held responsible for an accident.

Some no-fault states also restrict the right to sue for damages. In states without no-fault regulations, the insurance company covering the person who caused an accident is forced to pay for covered losses.

A non-passive alarm has to be manually activated every time you leave the car. If someone attempts to open your car, the alarm sounds, and the system disables the automobile's starter, ignition system, and/or fuel circuit.

You may qualify for an auto insurance discount if your car is equipped with such an alarm.

Passive alarms are automatically activated and emit warning sounds when someone tries to get into your car. Once the passive alarm has been triggered, the system disables the automobile's starter, ignition system, and/or fuel circuit.

You may receive an auto insurance discount if your car is fitted with such an alarm.

Personal Injury Protection, or PIP, is a kind of auto insurance coverage available only in certain states, where it's often mandatory.

PIP generally includes expanded coverage of accident-related medical costs. In some states, PIP also pays for lost wages and similar losses.

Specific protections afforded by this type of auto insurance coverage and limits on PIP payments vary widely from state to state.

If you use your car for pleasure, this means that you typically drive it for fun, with no regular commuting or business use.

Your auto insurance policy's expiration date is the date when auto insurance coverage ends if your auto insurance policy isn't renewed. The expiration date can be found on the declarations page of your auto insurance policy, on a proof of insurance card, or on a recent auto insurance renewal notice.

A policy term is the length of time an auto insurance policy is valid. Auto insurance policies from certain Auto Insurance Companies have a policy term of 6 months or 12 months, depending on where you live.

The primary driver is the person who drives a car most frequently.

A vehicle's primary use is how the car is typically used. Auto insurance companies usually classify primary use as commuting, business/commercial, or pleasure use.

The primary policyholder is the person who serves as the main point of contact with your Auto Insurance Company. Since he/she is the main point of contact, we need the primary policyholder's valid email address so that we can send account updates, auto insurance renewal notices, and other policy-related communication.

Typically, the primary policyholder is also the person billed for your auto insurance policy from your Auto Insurance Company. If you prefer, any other person listed on your auto insurance policy can also be billed for your auto insurance premium.

Property damage liability coverage protects you if you are held responsible for damaging someone else's property in a car accident.

Property damage coverage helps you reimburse another person for their damaged property (such as a car, a fence, or a home). This type of auto insurance coverage also helps pay your expenses in a related lawsuit.

The amount covered by property damage liability is capped at the limit you choose when you buy your auto insurance policy.

Rental car reimbursement is an optional kind of auto insurance coverage that helps pay for your rental car expenses if an insured car is damaged or stolen and you need a rental car.

An SR-22 is an official document that shows proof of financial responsibility. Motor Vehicle Departments may require an SR-22 or a similar form for people convicted of certain traffic violations. If an SR-22 is needed, please call our customer service team to purchase your Auto Insurance policy.

A secondary driver is one of the drivers listed on your auto insurance policy who's insured for driving an insured vehicle. However, this driver is not a car's primary driver.

A secondary driver is also sometimes known as an occasional driver in auto insurance terminology.

A steering restraint is a durable collar or shield fitted to the upper and lower casing of your car's steering column. The collar makes it harder for potential thieves to access, or "hotwire," your car's ignition system.

You may qualify for an auto insurance discount if your car is fitted with a steering restraint.

This type of auto insurance coverage is optional, and pays a fixed amount toward towing if your car breaks down or if it's disabled in an accident.

Underinsured motorist bodily injury coverage is available in some states, where it's often mandatory.

This type of auto insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto insurance coverage.

This kind of auto insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit.

The amount covered by underinsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.

Underinsured motorist property damage coverage is available in some states, where it's often mandatory.

This type of auto insurance coverage protects you if your car is damaged in an accident caused by a driver who has insufficient auto insurance coverage. Other specific protection afforded by this type of auto insurance coverage varies from state to state.

This kind of auto insurance coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit.

The amount covered by underinsured motorist property damage is capped at the limit you choose when you buy your auto insurance policy.

Uninsured motorist bodily injury coverage is available in some states, where it's often mandatory.

This kind of auto insurance coverage pays for your medical expenses, lost wages, and other general damages when you or your passengers are injured in an accident caused by a driver who has no car insurance. Uninsured motorist coverage also pays for injuries sustained in hit-and-run accidents.

The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.

Uninsured motorist property damage coverage is available in some states, where it's often mandatory.

This kind of auto insurance coverage protects you if your vehicle is damaged in an accident caused by a driver who has no car insurance. Other protection afforded by this type of auto insurance coverage varies from state to state.

The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy. In some states, you'll need to pay a deductible each time you file an auto insurance claim.

In some states, both uninsured and underinsured motorist bodily injury are bundled into a single coverage. In the states where this type of auto insurance coverage offered, it may be mandatory.

This kind of auto insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who doesn't have enough car insurance, or who completely lacks auto insurance coverage. This type of auto insurance coverage also pays for injuries sustained in hit-and-run accidents.

The amount covered by uninsured/underinsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.

The VIN, short for Vehicle Identification Number, is the unique 17-digit number found on every car. The VIN contains the vehicle's serial number, as well as abbreviations for the make, model, and year.

The VIN appears on your vehicle registration card. It's also engraved in your car, near the base of the windshield on the driver's side dashboard and/or on the edge of the driver's side door.

Though you don't need to enter your VIN when you get a car insurance quote from Palos Verdes Insurance, you will need to provide your car's VIN when you buy your auto insurance policy.