Auto Insurance – FAQ

Auto Coverage

What is “Section A” Third Party Liability?


What is “Section B” Accident Benefits?


What is “Section C” Loss or Damage to Insured Vehicle?



Optional Auto Coverage (Endorsements)

Replacement Cost Endorsement (SEF 18)


Loss of Use (SEF 20)


Legal Liability for Damage to Non-Owned Automobiles (SEF 27)


Limits apply – check with your broker

Limitation to Automobile Sound and Electronic equipment (SEF 37)


Family Protection (SEF 44)


Limited Waiver of Depreciation (SEF 43)


Accident Forgiveness (SEF 39)



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If your vehicle is damaged by a hit and run driver, make sure you file a police report within 24 hours. Many insurance companies will waive the deductible for a hit and run if there is a police report filed within 24 hours.