State Farm Auto Policies
A: Liability - ANSProtection againsy lawsuits if I am at fault in an auto accident
Liability 100/300. (100?) - ANS$100,000 of lawsuit protection in at fault accident if ONE claimant
is suing
Ex.) I hit Mikey and he is suing me for $120,000 for his neck injury. I am covered for $100,000,
still have to pay $20,00 out of pocket.
Liability 100/300. (300?) - ANS$300,000 of lawsuit protection per accident if MORE THAN ONE
claimant is suing.
Ex.) I hit Mikey with Desiree and Ann and they are all suing me for $100,000 each. My policy will
cover me for the full $300,000.
P: Personal Protection Injury (PIP) - ANSPays medical benefits to myself and my household
family members for injuries caused by automobiles (drivers, passengers, pedestrians)
PIP: P - ANSState Farm is primary and will pay ALL medical and wage loss w/o deductible
PIP: P300 - ANSState Farm is primary and will pay ALL medical and wage loss with $300
deductible
PIP: P2 - ANSState Farm is secondary for both medical and wage loss (Coordinated,
coordinated)
PIP: P3 - ANSState Farm is primary for medical and secondary for wage loss (Primary,
coordinated)
PIP: P4 - ANSState Farm is SECONDARY for medical and PRIMARY for wage loss.
(Coordinated, Primary)
N: Property Damage in Michigan - ANS$1 million dollar limit.. includes buildings, parked cars,
railroads, etc IN MICHIGAN
Y: Mini Tort - Limited Property Damage - ANS$1000 protection owed to claimant when I am at
fault and claimant has PLPD (no property protection on their car) or a deductible (Standard).
Ex.) I hit Mikey who has PLPD coverage and is filing a mini-tort for $600
A: Liability - ANSProtection againsy lawsuits if I am at fault in an auto accident
Liability 100/300. (100?) - ANS$100,000 of lawsuit protection in at fault accident if ONE claimant
is suing
Ex.) I hit Mikey and he is suing me for $120,000 for his neck injury. I am covered for $100,000,
still have to pay $20,00 out of pocket.
Liability 100/300. (300?) - ANS$300,000 of lawsuit protection per accident if MORE THAN ONE
claimant is suing.
Ex.) I hit Mikey with Desiree and Ann and they are all suing me for $100,000 each. My policy will
cover me for the full $300,000.
P: Personal Protection Injury (PIP) - ANSPays medical benefits to myself and my household
family members for injuries caused by automobiles (drivers, passengers, pedestrians)
PIP: P - ANSState Farm is primary and will pay ALL medical and wage loss w/o deductible
PIP: P300 - ANSState Farm is primary and will pay ALL medical and wage loss with $300
deductible
PIP: P2 - ANSState Farm is secondary for both medical and wage loss (Coordinated,
coordinated)
PIP: P3 - ANSState Farm is primary for medical and secondary for wage loss (Primary,
coordinated)
PIP: P4 - ANSState Farm is SECONDARY for medical and PRIMARY for wage loss.
(Coordinated, Primary)
N: Property Damage in Michigan - ANS$1 million dollar limit.. includes buildings, parked cars,
railroads, etc IN MICHIGAN
Y: Mini Tort - Limited Property Damage - ANS$1000 protection owed to claimant when I am at
fault and claimant has PLPD (no property protection on their car) or a deductible (Standard).
Ex.) I hit Mikey who has PLPD coverage and is filing a mini-tort for $600
