The A, B, C’s of your Auto Insurance Policy

Car Key on an Insurance Policy

When injured in a car accident, you will rely on some – or all – of the different sections of your auto policy. Lawyers routinely refer to these as “Section A”, “Section B”, “Section C”, or “Section D.”

Each section protects certain rights and responsibilities that you should be aware of. We have included some of the basic points within each section of your policy. We will then be exploring each section in greater detail in future posts.

Section A – “The Jerk Who Hit You!”

Section A of your auto policy is all about the person who hit you.

If a person hits you and is 100% at fault for the accident, their Insurance company is required to cover any losses they cause. This is often up to a maximum of $1,000,000.00 in damages. For most auto insurance policies, this is the limit of coverage. When your Lawyer refers to “policy limits”, this is what they are talking about. That doesn’t mean you’ll get a cool million in your back pocket, but it is the absolute top-line amount that an Insurer will cover. Damages over $1,000,000 can result in the person who hit you being held personally liable for those losses.

Some forms of extra Insurance will provide you with more than these policy limits in Section A (“SEF 44 Endorsement”). We will be discussing this type of excess Insurance in a future post.

Section B – “The Jerk Who Made My Back Hurt!”

Lawyers will often call Section B of your auto policy  “Accident Benefits.” These are no-fault benefits. This means you can get them even if you caused the accident or if you were the only vehicle in the accident. These benefits will cover any reasonable and necessary medical benefits for accident induced injuries. Section B will cover up to $50,000.00 of medical benefit coverage. They will also cover benefits for a period of four years after the accident – whichever happens first.

Section B also can provide for income replacement if your injuries sustained are so severe that you can no longer work. These types of benefits are often called “Weekly Indemnity” benefits and will be explained in more detail in another post.

Section C – “The Jerk Who Damaged My Car!”

Section C of your auto policy is all about the damage to your vehicle. Your Insurer may decide to repair or replace your vehicle once they have accessed the damage.

Section D – “The Jerk Who Drove Away”

This section of your auto policy deals with accidents that involve an at-fault unidentified or underinsured driver. Section D is similar to Section A, as it is all about covering losses. The losses in Section D are specific to include drivers who may not have enough insurance, or drivers who can’t be identified at all. For example, if you are injured in a hit-and-run motor vehicle accident, Section D would be the part of your policy which would apply.

The Mysterious Section E

The final section is the mysterious “Section E” to your auto policy. Section E simply sets out some general rules, definitions, and exclusions which apply to the other sections above.

Every case is different. Some cases may involve one section of your auto policy, others may involve multiple sections. This post is simply meant to introduce you to the sections of your auto policy, and hopefully clarify some of the language that a lawyer may use to discuss your case. For more information, please feel free to contact our office to discuss your situation with one of our experienced personal injury lawyers.


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