Major Sections in the Standard Automobile Insurance Policy

The maximum amount you can receive for your loss of income under Section B is 80% of your lost wages up to a maximum of $250 per week. These benefits are called “weekly indemnity” benefits. You can qualify for these benefits if:

1. you were employed at the time of the accident (even if you were not employed at the time of the accident, you may be deemed employed under certain conditions); and,
2. you suffered substantial inability to perform the essential duties of your occupation for 7 days out of the first 30 days from your accident.

You can receive these benefits for a period of two years following your accident if you meet the conditions above and you suffer substantial inability to perform the essential duties of your occupation or employment.

3. Section C – Loss of or damage to insured automobile

You have a choice to make for Section C coverage when buying car insurance. You can choose to forgo Section C coverage or either cover your vehicle from:

• “All perils”: this coverage combines all perils, collision and comprehensive
• “Collision or upset”: this coverage pays for damage to your vehicle caused by a collision with another object or by upset)
• “Comprehensive”: this coverage includes specified perils but also pays for all other insured damage caused to your vehicle (e.g., fire, theft, vandalism), except for collision or upset.)
• “Specified perils”: (this coverage pays only for losses caused by perils specifically listed in the policy). You can also choose to have a deductible and what amount.

4. Section D – Uninsured Automobile and Unidentified Automobile Coverage

This Section is meant to cover you if you suffer injuries in a car accident and the vehicle of the at-fault driver is not insured or the other driver leaves the scene in a hit-and-run. As the at-fault party does not have insurance or cannot be identified, you are unable to file a claim for your injuries which would be covered by the other vehicle’s Section A insurance. Section D is there to cover you in this specific circumstance.

5. SEF 44 – Family Protection Endorsement

This coverage is meant to protect you or your family members if you are injured because of another driver’s negligence and the other driver does not have enough insurance to cover your losses. Usually, your SEF 44 coverage is the same as your Section A coverage. Here is a practical example for SEF 44 coverage: you are rear ended by someone who has $200,000 in Section A coverage, you have an SEF 44 of $1,000,000, and you have damages worth $500,000 – in this situation, the other driver’s Section A would pay $200,000 and your own SEF 44 would pay you $300,000 to cover your total loss of $500,000.