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ADDRESS:
2273 McCoy Road
Sun Prairie, WI 53590

PHONE:
608-295-7582

FAX:
608-318-4501

EMAIL
info@HudsonAgencySolutions.com
More Than Just Insurance!
Serving Sun Prairie and Southern Wisconsin
Please note:
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance
and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy
contract to fully understand your coverages.
serious injury where damages exceed your limits, you will be held responsible for the amount above your limits. To make that payment, you could be forced to liquidate property, savings, and other
assets, or your future earnings could be attached. By purchasing liability limits to account for both your current assets and future net worth, you can help protect yourself against this risk.

PROPERTY DAMAGE LIABILITY (PD):
Covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense
if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. Coverage is limited to
the terms and conditions contained in the policy.

MEDICAL
Medical payments coverage-sometimes referred to as medical expense coverage-can help cover the medical expenses associated with auto accidents. It generally covers medical expenses for you,
your passengers and any family members driving the insured vehicle at the time of the accident-no matter who's found to be at fault. It can also help cover you if you or your family member is injured
in another car or injured as a pedestrian.

OTHER THAN COLLISION COVERAGE (COMPREHENSIVE)
Coverage available under the personal auto policy that provides a form of "all risks" protection for damage to a covered auto from perils other than collision. Losses include but are not limited to fire,
theft or larceny, explosion or earthquake, windstorm, hail, water, flood, malicious mischief, vandalism, riot, contact with an animal, and glass breakage. This protection is sometimes referred to as
"comprehensive" coverage.

COLLISION COVERAGE (COLLISION):
Covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a
deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. Coverage is limited to the
terms and conditions contained in the policy. This is not required by a state, but if you have a loan or a lease then the lien holder will require it.

UN-INSURED MOTORIST BODILY INJURY (UM):
Covers you, the insured members of your household and your passengers for bodily/personal injuries, damages, or death caused by an at-fault uninsured or hit-and-run driver. If you are involved in an
accident where the other driver is at fault but has no insurance, your policy will cover your medical expenses, up to the limit on your policy.

UNDER-INSURED MOTORIST BODILY INJURY (UIM):
Coverage for bodily injury (BI) and, in some states, property damage (PD) incurred by an insured when an accident is caused by a motorist who is not sufficiently insured. Depending on the
jurisdiction, UIM coverage may be written with a limits trigger or a damages trigger. With a limits trigger, UIM coverage applies when the limits of liability carried by the other motorist are lower than
the UIM limits carried by the insured. With a damages trigger, UIM coverage applies when the insured's damages are more than the at-fault party's available limits.
AUTO INSURANCE
accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal
expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in
exchange, the insurance company promises to pay for specific car-related financial losses during the term of the
policy. Work with us to determine the best coverage for you.

COVERAGE DEFINITIONS
BODILY INJURY LIABILITY (BI):
Covers other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if
another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as
medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance
to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability
covers injury to people, not your vehicle.

Therefore, it is a good idea (and usually a company requirement) to have the same level of coverage for all of
your cars. Bodily Injury Liability does NOT cover you or other people on you policy. Coverage is limited to the
terms and conditions contained in the policy. It is mandatory in most states.

How much protection does this coverage provide?
The coverage limits refer to the maximum amounts that will be paid per person, per incident, respectively.
Essential things to keep in mind when selecting your Bodily Injury limits: If you select limits that are too low, you
could be putting yourself at risk financially. For example, if either you or a driver covered by your policy cause a