Pays when an Insured person is legally liable for bodily injury or death caused by your vehicle. This coverage also pays for your legal defense if you are sued.

1.Transfer of a right. 2. The document making the transfer of a right. The right transferred may be an interest in the subject-matter of insurance, in the contract of insurance, or in policy moneys due to the insured.

Events caused by forces of nature, without human intervention, and not preventable by reasonable precautions. Examples: flood, hurricane, earthquake.

The insurance of cash and/or bank notes in transit.

Term used in Auto and Casualty policies meaning physical injury, including sickness, disease, mental injury, shock or death.

The willful and malicious burning of property.

Ship owner, Vehicle-Owner or other person who carries goods and is responsible for their safety.

A small craft or pleasure vessel.

Buildings or structures other than the Insured’s residential dwelling. (i.e., garage, shed, etc.)

The person suffering the loss who presents the claim.