It generally applies to a limited time and amount. Bodily injury Also known as injury liability, it covers personal injury, death, sickness or disease sustained by a person as a result of a vehicle crash. Collision insurance Coverage for direct and accidental loss to the covered vehicle resulting from upset or impact with another vehicle or object. An auto running off the road and striking a tree would be covered under collision. Comprehensive coverage Broad coverages or an extensive amount of coverage for physical damage losses other than those caused by collision or upset.
Theft falls under comprehensive as does a broken windshield.
An amount the insured agrees to pay as part of a loss, usually reduced or eliminated with increased premium. Exclusions A policy provision that excludes or deletes certain risks, thereby limiting the scope of the coverage. The continual, gradual or repeated exposure to an adverse condition, which is not intended or expected to result in injury or damage. It is a happening or pattern that takes some length of time. In contrast, an accident is a sudden happening.