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21 Century Insurance Coverage Terms

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21 Century Insurance Auto Coverage Terms

Understanding 21 Century Insurance coverage terms is important to getting the best auto insurance policy. Insurance companies like 21 Century use a lot of special terms for auto coverages. This glossary will explain the ones most commonly used:

Coverage Type	Pays For	Doesn't Pay For	Is It Required
Bodily Injury Liability	Other people's medical and funeral expenses, lost wages, disability and compensation for pain and suffering if you're at fault.	Your own medical expenses. Anything over your policy's limit.	Yes, by California law. Minimum required is $15,000 per person, up to a total of $30,000 for everyone in the car.
Property Damage Liability	Other people's auto and property repairs if you're at fault.	Your own car or property damage. Anything over your policy's limit	Yes, by California law. Minimum required is $5,000.
Uninsured/Under-insured Motorist (UM/UIM)	Your medical and funeral expenses, lost wages, disability and compensation for pain and suffering, as a result of a collision with an at-fault un/under-insured driver or hit and run accident.	Anything over your policy's limit	No, but the insurer must offer it to you with Liability insurance.
Uninsured Motorist Property Damage (UMPD)	Repairs to your car caused by an identified, at-fault uninsured motorist will either waive your collision deductible or pay up to $3,500.	Anything over $3,500.	No, but the insurer must offer it
Collision	Costs to fix or replace your car after a collision, regardless of who was at fault.	Anything over your car's actual cash value, minus the deductible.	Often, by lenders if your car is financed. State law does not require it.
Comprehensive	Costs to fix or replace your car if it's damaged in any way not involving a collision (e.g., fire, theft, earthquake, vandalism, etc.)	Anything over your car's actual cash value, minus the deductible.	Often, by lenders if your car is financed. State law does not require it.
Medical Expense	Medical and funeral costs, regardless of who was at fault for you and your guest passengers.	Anything over your policy's limit.	No
Towing & Labor	Towing and labor charges when your car doesn't work.	Anything over your policy's limit.	No
Rental Reimbursement	A pre-determined daily amount for a rental car if your car is stolen or being fixed because of damage covered by your auto policy	Costs over the pre-determined amount. Rentals due to damage not covered by your auto policy.	No

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