Unitrin Direct Auto Insurance

No-Fault Coverage

If you are in an accident, no-fault insurance allows you to be reimbursed for certain expenses by your own insurance company, no matter which driver was at fault. Depending on the state you live in, no-fault insurance may be required (also called "compulsory") or optional. Most states have a combination of required and optional coverage options.

Each state's coverage is different. Click on your state to learn about the coverage available in your state. If you do not see your state name, either it does not have no-fault insurance, or we do not write insurance in that state.

Florida
New York
Oregon
Pennsylvania
Texas
Virginia

Florida
Personal Injury Protection Coverage (PIP) is required coverage. There are several Premium-Reducing Options that are available. They are listed after the outline of coverage.

PIP BASIC
(See Premium Reducing Options below> EXTENDED PIP OPTION

Medical Benefits Pays 80% of expenses incurred Pays 100% of expenses incurred by you and your relatives, 80% for other people in your vehicle.

Disability Benefits Loss of Income - Pays 60% of loss of gross income for you, your relatives and other people in your vehicle.
Replacement Services (pays someone for taxi service, child care, house cleaning due to a covered loss) - Pays 100%. Loss of Income - Pays 80% of loss of gross income for you and your relatives, and 60% for other people in your vehicle.
Replacement Services - Pays 100%

Death Benefits Maximum $5,000 Maximum $5,000

Coverage Limit $10,000 $10,000

Premium-Reducing Options

Basic PIP

Option 1 - Basic PIP with a Deductible Applicable to You Only. Deductibles available: $250, $500, $1,000
Option 2 - Basis PIP with a Deductible Applicable to You and Your Dependent Relatives. Deductibles available: $250, $500, $1,000
Option 3 - Basic PIP with Loss of Income Exclusion for You Only. Selecting this option will exclude the Loss of Income Benefits for the named insured only.
Option 4 - Basic PIP with Loss of Income Exclusion for You and Dependent Relatives. Selecting this option will exclude the Loss of Income Benefits for the named insured and any dependent relatives.
Option 5 - Basic PIP with Loss of Income Exclusion and a Deductible Applicable to You Only. Deductibles available: $250, $500, $1,000
Option 6 - Basic PIP with Loss of Income Exclusion and a Deductible Applicable to You and Your Dependent Relatives. Deductibles available: $250, $500, $1,000

Extended PIP

Option 1 - Extended PIP with a Deductible Applicable to You Only. Deductibles available: $250, $500, $1,000
Option 2 - Extended PIP with a Deductible Applicable to You and Your Dependent Relatives. Deductibles available: $250, $500, $1,000
Option 3 - Extended PIP with Loss of Income Exclusion for You Only. Selecting this option will exclude the Loss of Income Benefits for the named insured only.
Option 4 - Extended PIP with Loss of Income Exclusion for You and Dependent Relatives. Selecting this option will exclude the Loss of Income Benefits for the named insured and any dependent relatives.
Option 5 - Extended PIP with Loss of Income Exclusion and a Deductible Applicable to You Only. Deductibles available: $250, $500, $1,000
Option 6 - Extended PIP with Loss of Income Exclusion and a Deductible Applicable to You and Your Dependent Relatives. Deductibles available: $250, $500, $1,000

New York
Mandatory Personal Injury Protection (PIP) is required coverage in New York. You may reduce your Mandatory PIP premium by 5% if you select the $200 deductible option. You also have the option to purchase Full Additional PIP Coverage and/or Optional Basic Economic Loss coverage, which provide additional coverage for medical expenses, wage loss and other expenses.

You must choose one of the following options.

MANDATORY PIP * FULL ADDITIONAL PIP

Medical Payments Provided Provided

Wage Loss $2,000 per month $4,000 per month

Other Expenses
(housekeeping, child care, taxi service due to a covered loss) $25 per day $50 per day

Death Benefit $2,000 per person $2,000 per person

Maximum Benefit Limit $50,000 $100,000

Aggregate Limit w/OBEL (see below for details of OBEL) $75,000 $125,000

*Under the Mandatory PIP option, coverage does not apply to passengers who are not residents of New York and who are injured in an accident occurring outside of NY State.

Optional Basic Economic Loss Coverage (OBEL)
For an additional premium, you can add $25,000 to the Maximum Benefit Limit of your policy. You choose how to allocate the $25,000 among medical payment, wage loss, other benefits and death benefits coverage.

Oregon
Personal Injury Protection (PIP) coverage is required in Oregon.

COVERAGE LIMITS

Medical Expenses $10,000 Limit

Income Continuation 70% of lost income, limited to $1250/month for 12 months following a 2-week waiting period.

Loss of Services Limited to $30/day for 365 days following a 2-week waiting period.

Funeral Services Limited to $2,500 per person

Child Care $15 per day/$450 maximum

Pennsylvania
In Pennsylvania, a Medical Expenses Benefit with a $5,000 limit is required. The following optional coverages are available:

Additional Medical Expense Coverage
Work Loss Coverage Benefits
Funeral Expense Benefits
Accidental Death Coverage

Additional Medical Expense Coverage
This optional coverage replaces the $5,000 minimum required limit.

Limits available:
$10,000 per person
$25,000 per person
$50,000 per person
$100,000 per person

Work Loss Coverage Benefits
This optional coverage provides up to 80% of actual gross income lost by you or another person covered by your policy as a result of a loss. Coverage is available to each person in your vehicle. Three limits are available:

PER MONTH PER PERSON	TOTAL PER PERSON
$1,000	$5,000
$1,500	$25,000
$2,500	$50,000

Funeral Expense Benefits
This optional coverage pays for funeral or burial expenses if bodily injury causes death to an insured within 24 month from the date of a loss.

Limits Available:
$1,500 per person
$2,500 per person

Accidental Death Coverage
This optional coverage pays a benefit if bodily injury causes death to an insured within 24 months from the date of a loss.

Limits available:
$10,000 per person
$25,000 per person

Combination First Party Benefits Package
This optional coverage combines the separate benefits into one benefit package.

COVERAGE	BENEFIT AMOUNT
Additional Medical Expenses	No specific limit
Work Loss	No specific limit
Funeral Expense	$2,500
Accidental Death Coverage	$25,000
Total Combined Benefits	$177,500

Extraordinary Medical Benefits
This optional coverage applies to expenses above $100,000. You must purchase either the Combination First Party Benefits Package or have elected Medical Expense Coverage Benefits at the $100,000 limit in order to be eligible to purchase this coverage.

Limit Available: $1,000,000

Texas
Personal Injury Protection (PIP) is optional in Texas. PIP covers lost wages or income for you and others insured by your policy and expenses for obtaining reasonable services (taxi service, child care, housekeeping).

Limit Available Per Person

$2,583

$5,083

$10,083

Virginia
Coverage is optional in Virginia. Income Loss and Medical Expense are separate coverages.

Medical Expense
This optional coverage pays all reasonable and necessary expenses for medical, chiropractic, hospital, dental, surgical, ambulance, prosthetic and rehabilitation services, and funeral expenses, resulting from the accident and incurred within 3 years after the date of the accident.

Limit Available Per Person

$500

$1,000

$2,000

$5,000

$10,000

Income Loss Benefits
This optional coverage pays income loss, subject to a maximum per person of $100 per week for a period not to exceed 52 weeks, for any covered person who was engaged in a remunerative (profitable) occupation at the time of the accident.