Towing and labor coverage: Towing and labor coverage pays for towing charges when your car can´t be driven. Also pays labor charges, such as changing a flat tire, at the place where your car broke down.

Underwriter: Underwriter is the person who reviews an application for insurance and decides if the applicant is acceptable and at what premium rate.

Underwriting: Underwriting is a process an insurance company uses to decide whether to accept or reject an application for a policy.

Uninsured/underinsured motorist (UM/UIM) coverage: UM/UIM Pays for your injuries and property damage caused by a hit-and-run driver or a motorist without liability insurance. It will also pay when your medical and car repair bills are higher than the other driver´s liability coverage.