Summit Automobile

• Bodily Injury Liability - Provides liability coverage for the accidental injury or death of another person if caused by you in an automobile related accident.
• Property Damage Liability - Provides liability coverage for accidental damage to other people’s property if caused by you in an automobile related accident
• Defense Costs - Your Defense Costs are covered, including court costs, legal expenses and attorney fees.
• Medical Payments - Covers you and your family in any car and anyone riding in your car for medical expenses resulting from an auto accident.
• Collision - Covers you for Collision damage to your car as the result of an accident, regardless of who was at fault.
• Other Than Collision - Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified causes of loss.
• Uninsured/Underinsured Motorists - Covers injury suffered by you, your family and anyone riding in your car against the uninsured/underinsured driver or hit-and-run driver.

• Parked Auto Collision Coverage - if your covered auto has Collision Coverage and is struck while legally parked and unoccupied, we will waive your Collision deductible. Total damage must exceed $250. (Not available in Michigan.)
• Personal Effects Coverage - This provides coverage for your clothing and personal luggage while in a covered automobile. We will pay up to $500 to replace the property if damage is caused by a covered loss (such as fire, collision, or theft of the vehicle)
• Transportation Expenses or Rental Reimbursement - If your covered auto sustains loss covered by your policy, we will reimburse you for expenses incurred to rent a substitute auto up to a maximum of $1,500.
• Rental Car Loss of Use Coverage - If you have an accident in a rented car and are obligated to pay while the car is out of service, we will pay the rental company for loss of use of the vehicle (not to exceed 30 days or $1,000). (Not available in New York and Michigan.)
• Doubled Medical Payments Coverage - If an insured is wearing a seatbelt at the time of an accident, we will pay up to double the limits of liability for Medical Payments Coverage as shown in your policy. (Not available in Michigan or Virginia.)
• Towing and Labor Costs for disabled automobiles. We will pay reasonable costs (up to $100) for towing and labor in the event the covered auto is disabled.
• Air Bag Replacement Coverage - If an air bag in your covered auto deploys without having been involved in an accident, we will pay to have the bag replaced.

• Leased Auto Gap Coverage - If the leased vehicle is a total loss and there is a difference or gap in the amount owed on your lease versus the value of the auto, we pay the difference. (Not available in New York.)
• Audio Visual and Data Electronic Equipment - $1,000 coverage is provided for damage resulting from a covered loss to Audio Visual and Data Electronic Equipment not permanently installed in the covered auto.
• Waiver of Deductible - If your covered auto is declared a total loss, we'll waive the deductible.
• Waiver of "Other Than Collision" Coverage Deductible on glass losses.
• Waiver of Collision Deductible - If you are involved in an accident with another Central Insurance Companies policyholder, we'll waive the collision deductible.
• Automobile Death Coverage - We will pay $2,500 in the event you are killed in an automobile accident. This coverage also applies if an insured is killed as a pedestrian if struck by a licensed vehicle.
• Uninsured Motorists Property Damage Coverage - Provides protection for damages to your covered automobile if damaged by an at-fault uninsured driver (available only in Ohio).