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Definitions

GARDEN CITY INSURANCE
2910 S. Reserve St., #C
Missoula Montana 59801

Toll-Free: 1-866-444-1084
Local: 1-406-542-1084
Fax: 1-406-549-8527

E-mail Us At:
info@gardencityins.com

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Name: Phone: E-mail: Question/Inquiry:

BODILY INJURY (BI)
Bodily injury provides coverage for liability you are legally responsible for due to injury you cause others in a vehicle accident. The coverage is shown as two figures, the first being the amount of coverage for one individual and the second is the coverage for all persons injured in the same accident.

UNDERINSURED MOTORIST (UIMBI)
This covers medical expenses caused by another driver who doesn't have enough insurance.

UNINSURED MOTORIST (UMBI)
This covers medical expenses caused by another driver who doesn't have any insurance.

OTHER THAN COLLISION (OTC) / COMPREHENSIVE (COMP)
This is coverage for the damage to your RV as a result of an accident that is not a "Collision". Examples of these accidents would include fire, hail, wind, vandalism and theft, hitting an animal or window breakage. Deductibles apply and the higher your deductible the lower your annual premium.

COLLISION (COLL)
This is coverage for the damage to your unit as a result of its impact with another vehicle or object. Deductibles apply and the greater your deductible the lower the annual premium.

PROPERTY DAMAGE (PD)
This provides coverage for amounts of property damage you are legally responsible for as a result of a vehicle accident.

SETTLEMENT OPTIONS
If your RV suffers a total loss there are generally three settlement options that will dictate the form or amount of settlement you will receive. The three options are; Replacement Cost, Purchase Price Guarantee, and Actual Cash Value.

Replacement Cost: This option will replace your unit within the first five model years with a new unit. After the five year period the settlement option goes to Agreed Value.

Purchase Price Guarantee: This option removes depreciation by settling claims at the value shown on the declaration for a total loss if the RV is replaced. If the RV is not replaced the total loss will be settled at actual cash value which includes depreciation.

Actual Cash Value (ACV): This option will settle at the depreciated value of your unit.

FULL-TIMER
Full-Timers are those who reside in their RV more than 6 months a year. This policy provides liability coverage similar to home-owners liability coverage and pays up to specified limits of liability for which you are legally responsible for as a result of an accident while the RV is being used as a residence.

VACATION LIABILITY
Residing in your RV less than 6 months a year a part-timer may obtain coverage against liability arising from accidents occurring while using your RV as a temporary vacation residence.

PERSONAL EFFECTS (PE)
This covers your personal items used in connection with your RV that becomes damaged or lost due to a Collision or Other than Collision incident. You may select any increment of $1,000.

DIMINISHING DEDUCTIBLE
This option reduces both your Collision and Other Than Collision deductibles by 25% each year no claims are filed. After 4 claim free years your deductibles are zero.

TOWING AND ROADSIDE
This coverage provides towing to the nearest qualified repair facility and the necessary labor at the location of the disablement of your RV. Some examples of when you might use this coverage would include flat tire, mechanical breakdown, lock-out or running out of fuel.

MEDICAL PAYMENTS
This coverage provides payment for medical expenses you and your passengers incur as a result of injuries sustained in an auto accident.

EMERGENCY EXPENSE
This coverage will reimburse you for lodging and transportation expenses as a result of a covered collision or other than collision/comprehensive accident.

MEDIUM DUTY TOW VEHICLES
Medium duty tow vehicles such as Freightliners, Kenworths, Peterbuilts, Internationals and other semi-like trucks which are use in towing travel trailers including fifth wheel campers. In order to write the truck insurance the trailer policy need to be written as well.

MEXICO COVERAGE
Mexico coverage will extend your property coverage into Mexico. However, you must also obtain a separate Mexican Liability insurance policy for this coverage to apply.

TRAILER COVERAGE
This coverage pays up to levels stated in the policy for physical damage to trailers or tow dollies when they are being used in conjunction with the RV. $2,000 or $2,500 is included when physical damage coverage is selected but higher trailer coverage is available.