A brief description of auto coverages:

1. Collision, Upset, Glass Breakage: This covers your vehicle up to limits stated on your policy for damages resulting from collisions, upsets (turning over), and glass breakage. The deductibles are $500 (U.S.) per accident per described vehicle, boat and/ or trailer. A boat and trailer is considered one unit and the vehicle is also considered as one unit. (Both subject to the applicable deductibles).
2. Fire and Theft: This coverage protects your vehicle up to the limits stated on your policy for fire, lightening,explosion, total theft, strikes, popular uprisings, and meteorological phenomena such as windstorms, cyclones, hurricanes, earthquakes and floods. Deductible for fire, lightning, and explosion is $500 (U.S.). Total theft of the vehicle is subject to a $1000 (U.S.) deductible.
3. Property Damage: This protects you against losses resulting in damage that your vehicle might cause property owned by others-provided you are legally liable.
4. Civil Liability: This covers your legal liability for injuries or death to a third party resulting from the use of your vehicle. (Occupants of your vehicle are not covered under Risk #4.)
5. Medical Payments: This covers you up to the limits stated on your policy for the occupants of your vehicle in case of collision, upset or fire damage.