Essential State Farm Insurance Card Abbreviations
Understanding the abbreviations on your State Farm insurance card is crucial for deciphering your coverage details. Here's a comprehensive guide to help you navigate the essential abbreviations.
Coverage Section
PD (Property Damage): Coverage for damage to someone else's property, resulting from a collision caused by you.
BI (Bodily Injury): Coverage for injuries to other parties, including medical expenses and lost wages.
UM/UIM (Uninsured/Underinsured Motorist): Coverage for injuries sustained in accidents caused by uninsured or underinsured drivers.
PIP (Personal Injury Protection): Coverage for medical expenses and lost income incurred by the insured and their passengers, regardless of fault.
Med Pay (Medical Payments): Coverage for medical expenses incurred by the insured and their passengers.
Vehicle Information Section
VIN (Vehicle Identification Number): A unique identifier for your vehicle.
MAKE/MODEL: The make and model of your vehicle.
YR (Year): The model year of your vehicle.
Policy Information Section
POLICY NO: The identification number for your insurance policy.
DEC PAGE/TERM: The policy's declaration page number and the policy term period.
EFF/EXP DATE: The effective and expiration dates of your policy.
COVERAGE CODE: A code indicating the specific coverage options included in your policy.
DED (Deductible): The amount you pay out-of-pocket before your insurance coverage kicks in.
Additional Information
LIMIT: The maximum amount of coverage provided for each coverage type.
PRIOR LOSS: Indicates if you have had any prior insurance claims.
SR/DS (Surcharge Discount): A discount or surcharge applied to your premium based on your driving record.
Conclusion
By familiarizing yourself with these essential State Farm insurance card abbreviations, you can easily understand your coverage details and ensure you have the protection you need. If you have any further questions or need clarification, do not hesitate to contact your insurance agent for assistance.
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