Automobile/Motorcycle InsuranceCoverage Codes
This is a list of automobile and motorcycle coverage codes. If coverage applies to one state only, the state is shown in parentheses ().
AHC Auto Home Coverage - This is for TV antennas, awnings, and cabanas or equipment designed to create additional living space. (NC-RVs only).
ALC Auto Loan Coverage - Pays outstanding lien against a new motor vehicle in the event of loss or damage to the vehicle. (WA)
BI Bodily Injury Liability - Pays for the injuries and associated economic loss suffered by others as a result of our insured's negligent use of an automobile. (All states). Limit example: $100,000 per person/$300,000 per accident.
CB Citizen Band Radio Equipment - Provides coverage for non-standard electronic equipment permanently installed in an automobile or RV. Includes CB radios, telephones, two way mobile radios, scanning monitor receivers, television monitor receivers, video cassette recorders, audio cassette recorders, and personal computers. Excludes radar detectors. Limit example: ACV (actual cash value).
CL Collision - Physical damage protection for the insured's vehicle when damage results from impact with another object or an upset, regardless of fault. Must carry CP to carry CL. (All states) Limit example: ACV (actual cash value) less $200 deductible.
CLB Collision Broadened - Physical damage protection for the insured's vehicle when damage results from impact with another object or an upset, regardless of fault. Deductible applies only if insured is more than 50% at fault. (MI)
CLG Collision with Full Glass - No deductible for glass damage resulting from a collision. Deductible applies to all other damage. (NY) Limit example: ACV (actual cash value) less $100 deductible. 9/17/2002 Automobile/Motorcycle Coverage Codes Appendix-3
CLL Collision Limited - Damage to insured's vehicle paid only if insured is less than 50% at fault. No deductible applies. (MI)
CLR Collision Rental - Collision coverage that may be purchased on liability only policies to cover rented vehicles. (AK) Limit example: ACV (actual cash value) less $200 deductible.
CLWD Collision Waiver of Deductible - Collision deductible is waived only if vehicle is damaged by an at-fault, uninsured motorist. Must offer if insured carries UMBI coverage. If
policy carries UMBI, then CLWD or UMPD must be offered. (CA)
COVP Covered Property - Auto Home coverage not covered by automobile comprehensive, including awnings, cabanas, and equipment designed to create additional living facilities. (MICG only)
CP Comprehensive - Physical damage protection for the insured's vehicle when damage results from something other than collision losses such as fire, glass breakage, theft, vandalism, collision with an animal, or acts of nature. (All states) Limit example: ACV (actual cash value) minus $50
CPG Comprehensive Full Glass - Comprehensive with no deductible for glass damage only. Deductible applies to other comprehensive losses. See state book for availability. (In Florida CPG coverage applies to windshield only.)
CPR Comprehensive Rental - Comprehensive coverage that may be purchased on a liability-only policy to cover rented vehicles. (AK) Limit example: ACV (actual cash value) less $200 deductible.
DD Death and Dismemberment - Added coverage if any eligible covered person on the policy suffers death and/or loss of a limb. There is usually a specific dollar amount assigned to the coverage. See state book for availability and offering requirements.
ENOL Extended Non-owned Liability - Bodily Injury and Property Damage coverages extended to the named insured in the policy, the spouse (must reside in same household), or
a resident relative furnished an automobile for regular use (cannot be employed by a garage). (MD)
ETEC Extended Transportation Expenses - Optional coverage for a collision loss that pays transportation expenses incurred when there is a loss to a covered auto, and loss of use expense for which the insured is legally responsible when there is a loss to a non-owned auto. Requires CL and CP coverage. N/A for RVs. (MO)
LI Loss of Income - Payment made to an eligible injured person for wages lost due to a covered accident. Usually has a limit stated on the policy. See state book for availability and offering requirements.
MCAC Motorcycle Accessory Coverage - Pays for damage to accessories used on a motorcycle. The first $1500 is provided free of charge along with physical damage coverage on motorcycles.
MCCA Michigan Catastrophic Claims Association - Helps pay for injuries in excess of $250,000 sustained by Michigan residents. (MI)
MDIA Media Coverage - Optional coverage for tapes, records, discs, and other media only (requires CB coverage) in excess of $200.
MP Medical Payments - Covers the medical and funeral expenses of a covered person who is injured in an auto accident. See state book for availability. Limit example: $5000 per person.
MPEX Extended Medical Payments - In addition to paying for medical and funeral expenses limited to $2000, $5000, or $10000 per person, this coverage also includes up to $100 a week for loss of income incurred as the result of an accident for a maximum of 52 weeks. (SD)
OBEL Optional Basic Economic Loss - Works with personal injury protection. Once the insured's basic PIP has been exhausted, the OBEL coverage applies. Once the OBEL
coverage is exhausted, additional PIP (if any) applies. (NY) Limit example: $25000.
PD Property Damage Liability - Pays to repair damage to the property of others when our insured is at fault. Limit example: $50000 per accident.
Note: In Florida, PD can be written with a deductible. See Michigan for unusual application of coverage.
PDLB Additional Property Damage (Property Damage Liability Buyback) - The insured is responsible for the first $500 of any loss they are legally liable for in an accident in the state of Michigan. If the insured purchases PDLB, priced at $5 per vehicle, we will pay this $500. (MI)
PE Personal Effects - Coverage for personal property used in an RV only. See the PE endorsement for dollar amounts. The first $1500 or $2000 is paid by CP coverage (except in
Texasand North Carolina where PE applies to entire loss and doesn't cover theft.)
Different Types of PE Coverage:
PE1 NC Personal Effects with Malicious Mischief
PE2 NC Personal Effects w/o Malicious Mischief
PE8 Personal Effects under $1500
PE9 Personal Effects over $1500