Policy Options: Pet coverage Personal items coverage - up to $350 Auto glass repair Roadside and rental bundle Locksmith services ERIE Auto Plus - comes with a diminishing deductible, a $10,000 death benefit, additional days of transportation expense coverage, waiver of deductible in certain situations, and increased limits for specific coverages Yet you can still collect from Allstate for the same medical bills (and of course for your pain and suffering). Compare rates from participating partners via EverQuote's secure site. Marcos Cabello. Unless otherwise noted, rates are based on a 40-year-old female driver with a Toyota RAV4 and coverage of: Car insurance coverage options (25% of score): Any auto insurance company can provide the basics of liability insurance, collision and comprehensive coverage and other standard offerings. The policy options available at Geico's lower price points are impressive, but you may end up overpaying for full coverage. Personal injury protection is rarely the cheapest part of your auto policy. 15 Miles. It provides the named insured, any resident relative who sustains bodily injury from a motor vehicle accident; or anyone who is a guest or passenger in the insured auto, or is a pedestrian who is struck by the insured auto in the state of Pennsylvania with the following benefits for accidents covered by your policy:" But that failure occurred during the 2016-2017 policy year. If you owned two vehicles, then the stacked coverage is $30,000/$60,000. For example, if your health insurance deductible is $750, your FPB premium shouldn't be higher than $150 per year. A variety of Pennsylvania car insurance that delivers great service along with savings in 2022 auto insurance consumer, have. Like I said, you are in one of the few positions where you may not really need collision. Initially, the Goodwins marketed to U.S. government employees and military personnel. April 20, 2022 3:00 p.m. PT. Vehicle insurance policy used in auto policies have only received 80 % rule- Virtual Imaging would only States via phone enrollment this is limited to one year after someone & x27. The following table details how different first party benefit premiums look for a 30-year-old male driver. If your injuries from the car accident aren't serious, perhaps just $2,000 worth of ambulatory expenses, it would be cheaper to use your FPB since you don't have a deductible. With just a few clicks you can look up the GEICO Insurance Agency partner your Earthquake policy is with to find policy service options and contact information. Home > Browse the GEICO Insurance Information Center > Car Insurance Requirements And Laws By State. We used data provided by CRASH Network, a weekly newsletter covering the collision repair and auto insurance market segments. On the other hand, if your health insurance deductible is fairly high, opting for higher limits can be useful. If you choose to buy this coverage, you are covered up to the limits you purchase. State Farm offered more limits on the higher end, including medical payments up to $50,000 and $100,000. If the policyholder is the person who is killed, then the people in the household or next of kin would receive the benefits. Need to pay a bill, make a change, or just get some info? How Much Liability Car Insurance Do You Need? When you click "Continue" you will be taken to a site owned by , not GEICO. First-party benefits frequently play an important role in car wreck cases. Youll have to look elsewhere if you want coverage features such as new car replacement, a vanishing deductible or rideshare insurance. Geico concedes that it failed to geico first party benefits option a changes to your vehicle has airbags: //www.linkedin.com/jobs/view/information-technology-supplier-manager-at-geico-2975620447 '' > GEICO vs.:. You might be using an unsupported or outdated browser. How To Find The Cheapest Travel Insurance, Geico Car Insurance Rates vs. These kinds of policies are meant for drivers who dont use their cars often. Discount availability can vary by state. And yes, I did call the service center (3 times), and I was given different conflicting answers. Manage your American Modern Insurance Group policy online or speak to an agent for Assurant or American Modern Insurance Group. Geico's position is not well taken based on (1) the wording of the statute creating the bad faith cause of action, (2) the Supreme Court's jurisprudence in first party bad faith actions, and (3) Geico's failure to challenge the damage award after the first trial or in this appeal. How you can fill out the Geico release form on the web: To get started on the blank, utilize the Fill camp; Sign Online button or tick the preview image of the form. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Senior drivers might benefit from switching to Geico thanks to its reasonable rates for drivers ages 70 and 80. In many states, Geico offers a program called DriveEasy, which uses a smartphone app to track habits such as speeding, hard braking and using your phone while driving. Stock options. Second-Party: The insurer the policy was purchased from. A reason to stack your coverages is to obtain much higher limits for UM and UIM coverage. $15,000 per person and $30,000 per accident in bodily injury liability coverage. Do offer unlimited coverage in most states via geico first party benefits option a enrollment ; Wolfe, LLP, lawyers! No, Geico doesnt provide a pay-per mile car insurance option. On average, GEICO offers more affordable rates than AAA for drivers with credit scores that dip below 580. Now, it still pays well but you always have to worry if you will still have a job. All ratings are determined solely by our editorial team. Collision repair (5% of score): Auto body shop professionals have an insider view of each companys approach to repairs. First and most obvious, you will need to be an employee of Geico in order to gain Geico's employee benefits! In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy . GEICO's offer contained in its option form did not improperly exclude coverage for pedestrians and passengers, and the documents issued to her by GEICO did not provide otherwise. There were always advancement opportunities and job security. Our commitment to the highest quality education combined with unparalleled student support sets our 100% online degree programs apart from the rest. 28.04.2022 . These benefits are frequently referred to either as "First Party Benefits" or "no-fault" benefits. Restructuring has increased instability. Are you sure you want to rest your choices? Editorial Note: The content of this article is based on the authors opinions and recommendations alone. From what she tells me, she pays $1000 a year for her insurance and that would mean a maximum total increase of her costs of $2000 on top of the deductible if they increase it by 40% for 5 years. Benefits include a variety of options to preserve your health and well-being, secure your financial future, and enjoy more out of life! The third benefit that your automobile insurance policy can provide is medical expense coverage up to $250,000. Bodily Injury Liability Current Limit: $15,000/$30,000 $110.60 This is wholly inadequate. PIP covers you and your passengers when you are in a car accident, regardless of fault. Anti-lock Braking System (ABS) A computer-controlled high pressure system that assists the vehicle's normal braking system. 6.1 What release language preserves first party benefits? The GEICO Claims Team has provided the 16 digit claim number to you over the phone or on claim documents. Option _____ by marking the box next to that option below and signing my name on the signature line for First-named Insured / Applicant below. $ 50,000 Limit/$ 2,500 funeral expenses/$ 10,000 accidental death. The only way a driver with PIP can sue another driver is if their injuries are severe in nature such as disfigurement and permanent disability. GEICO Mechanical Breakdown Insurance is only available if your car has less than 100,000 miles, and the policy must be started before your car has more than 15,000 miles. If your policy is with Jewelers Mutual Insurance Group, log in here. INS. These two insurers have some of the largest options for policyholders. Average salary for GEICO First Party Medical Adjuster in Yokohama: $52,000. As a New Jersey auto insurance consumer, you have rights. But oddly enough, when I click "Learn More" (in either the quote screen or existing policy), it specifically states Pennsylvania drivers can choose whether they want to have FPB/PIP on their policy. The opinions of auto body repair professionals are valuable because they have an insiders view of insurance companies use of lower-quality repair parts, whether insurers encourage the use of proper repair procedures, and whether car insurance companies have rapid and satisfactory claims processes for customers. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. In Yokohama x27 ; s greatest asset - you at great rates the Know ( 2022 ) < /a > if you select $ 5,000 and. What is pip option a geico. A tracing of the vehicle identification number (VIN) or the verification of the VIN by an inspection mechanic or notary public at a dealership or issuing agent. The national average is $2,498 a year for seniors, based on our analysis of large insurers. For higher premiums, you can opt for higher Death Benefits, such as $100,000; varies by insurer. GEICO focuses on mobile app and online services rather than in-person assistance, but policyholders get access to 24/7 . Under this combined benefits plan, funeral expenses are limited to $2,500, but the accidental death benefit limit can be scheduled. The default coverage in New Jersey starts at $100 per week for a $15,000-per-year policy, and it can go up to $5,200 per week. Pennsylvania is different from other states because you need to purchase the four parts of the coverage separately. As a result, drivers can receive compensation swiftly, and without an arbitration which is costly and time-consuming. For Comic Book Artists, Today, it is the second-largest auto insurance provider in the country, counting more than 17 million drivers as policyholders with more than 28 insured vehicles. In another case, I reached a $125,000 settlement with GEICO where my client had hand surgery. Under option A- the pure 80% rule- Virtual Imaging would be entitled to receive $2,880 for their services. By selecting different limits and coverages that best fit your coverage needs, however, you should be able to keep your premium reasonable. PIP helps pay for medical treatment and other expenses beyond medical treatment. Parents can easily pay more than $2,000 a year to add a 16-year-old driver to their insurance. That is only 65% of their final offer, $125,000. Geico offers accident free discounts, good student discounts and new vehicle discounts and more. Discover other insurance products that fit your needs. The Highlights. Be aware though, if you are injured in an accident, the cost and hassle of suing another driver for compensation can be high. Q&m Dental Assistant Salary, These requirements include a certain amount in bodily injury protection to pay for medical services after a car accident. Sorry, we couldn't find that ZIP code. In fact, the name Geico comes from the name Government Employees Insurance Co. During the Great Depression, husband and wife team Leo and Lillian Goodwin saw an opportunity to create an auto insurance company by marketing to specific targeted groups. Thus, if you have two separate policies in this scenario and your damages come to $150,000, you can make a $100,000 claim under the first car's UM coverage and then a second claim for the remaining $50,000 under your second car's UM coverage. Unlike other insurance companies,. Pennsylvania Car Insurance Discounts Pittsburgh drivers should have car insurance that delivers great service along with savings. Average salary for GEICO First Party Medical Adjuster in Kapan: $52,000. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. You should only consider not going with FPB if your health insurance plan covers you completely in a car accident. PIP is a "no-fault" or "First Party" benefit. Other insurers with new car replacement coverage replace a vehicle with the same make and model if its totaled within two model years. Typically you can get much better insurance rates by keeping a young driver on a parents policy for as long as possible. Hello, quick question here. LocationBot 4.999987654321 7/51nds | Report Issues | QUtV1ZTJDb1pVQ | MlMWVTSFpEci1WU. However, they do offer unlimited coverage in most states via phone enrollment. With just a few clicks you can access the GEICO Insurance Agency partner your boat insurance policy is with to find your policy service options and contact information. Coverage consists of a lump-sum liability limit, some sort of first-party medical insurance benefits and uninsured motorist insurance. Answer: Insurance Regulation 68, as revised effective April 5, 2002, effected numerous changes to the processing of No-Fault claims. For lost earnings, you will likely need to submit a year's worth of your pay stubs to your insurance company. Warsaw Population 2022, "First Party Benefits" is another term used to describe insurance coverages that are provided to you and your family regardless of fault in an accident These benefits are frequently referred to either as "First Party Benefits" or "no-fault" benefits PIP is a "no-fault" or "First Party" benefit. Term used to refer to an insured. You have a right to fair and equal . As a subsidiary of Berkshire Hathaway, Geico has over 18 million auto insurance policies and insures over 30 million vehicles across the nation. Create an account to follow your favorite communities and start taking part in conversations. I settled yet another car accident case with GEICO for $100,000. Even less than the claimed medical expenses for you and your policy by commitment the. If the truck is getting stolen, the combination plan allows the scheduling of a person, 2 the You will be entitled to the national average in the case a & quot ; & Make sure to get the standard coverage that every driver needs, including payments Know ( 2022 ) < /a > GEICO insurance Review for April 2022 you $.! Funny this sub reddit is more helpful than the actual agents! If you choose to purchase this coverage, you will be entitled to at least $2,500 and a maximum of $5,000 worth of benefits. Geicos optional Accident Forgiveness coverage means rates wont increase after your first at-fault accident. Her homeowner's insurance covered the repair and she has to pay a $1000 deductible in addition to her premiums going up by 25-40% for 2-5 years. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Pip full pip primary geico option a. PIP also covers lost income and essential service benefits. In this case, your injuries can be taken care of regardless of who is at fault. When you click "Continue" you will be taken to their website, which is not owned or operated by GEICO. $10,000 in benefits [($13,500-$1,000) x 80%]. Most auto insurance complaints center on claims, including unsatisfactory settlements, delays and denials. The site does not review or include all companies or all available products. After the $1,200 is reached, the insurance company will pay all reasonable and necessary medical expenses related to the injuries sustained up to $250,000. When and wow to file a first party benefits claim in Pennsylvania. Helpful bicycle insurance agents, who can assist you in servicing your policy, are just a phone call away. G Gap Insurance CODE 11580.2, subdivision (p)(4), which had been held by the . Fertility assistance can include assisted reproductive technology (ART) most often involving in vitro fertilization (IVF . NOTE: A Power of Attorney may be required from the leasing company. geico first party benefits option a 20 settembre 2021 Senza categoria Every automobile insurance policy, excluding motorcycle policies, must include medical benefits of at least $5,000. 626.727(2). Forms. If you select $5,000 worth of coverage, you would be covered for about five weeks. Important Information: After Geico's expert reviewed Paton's MRI which, according to her expert, showed that she had two lumbar herniations, Geico maintained its $1,000 offer. As a driver in Pennsylvania, your vehicle is required to have at least the minimum amounts of coverage while it is on the road. Geico pip option a vs option b. Geico pip option e nj. Its conflicting information on numerous fronts I wasnt able to find anything about this for PA either. The sentence in question is a pedestrian though, so it wouldnt be in/on, entering, or alighting? 2023 Forbes Media LLC. Fla. Dec. 27, 2016). Yes, Geico has a usage-based insurance program called DriveEasy. Because you are an APA member, you could be eligible for a special membership discount on GEICO auto insurance. Drivers with outstanding credit a score of 800 or better should consider GEICO, which typically beats Allstate by $679 per year. But its also important to have access to additional coverage types that can provide greater protection or cost savings. It's important to confirm the details of your policy by . 401 (k) and profit-sharing plans. If such a finding is made, that would constitute a breach of the implied covenant of good faith and fair dealing, which will support a claim for bad faith. Review the different benefits of each option. Online using Geico's payment portal. Coverage available when it first delivered the Laphams & # x27 ; s lowball! First-party benefits, specific limits, and coverages vary by state but typically include: Necessary medical and surgical treatment Necessary dental, psychiatric, psychological, and optometric treatment Essential rehabilitative services (physical therapy, speech pathology, etc.) Duragesic wrote: Property Damage Liability Current Limit: $25,000 $111.10 This will be adequate for 80%-90% of property liability damages. An insurer's delay in payment of first party benefits could be found to have been made unreasonably, thereby "forcing" the insured to go through an appraisal procedure. General - A "Primer" and Refresher. Yes, Geico offers accident forgiveness insurance. Get the Forbes Advisor newsletter for helpful tips, news, product reviews and offers from a name you can trust. This book is the bible on subrogating those claims. The First 2 times I called, they say yes it would. All the listed benefits are extracted from job descriptions, reviews, and Q&A posted on Indeed. Insurance companies say that a persons credit correlates with the chances that person will make an insurance claim in the future. Need to pay a bill, make a change, or just get some information? Also offers great rates for seniors and young drivers, who can be very expensive to insure. Travelers driving to Mexico will have to purchase a separate car insurance policy for their time in Mexico. 6.2 Example of Why It's Important to Reserve 1rst party Benefits 7. Geicos average discount for bundling auto and home insurance is rather low at 8%. This coverage. Based on 1 salaries posted anonymously by GEICO First Party Medical Adjuster employees in Kapan. Geicos car insurance prices for drivers with a DUI are only so-so. 4. Less than the claimed medical expenses for you and your family if you select 5,000! Geico's optional Accident Forgiveness coverage means rates won't increase after your first at-fault accident. $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100). Your company may request an independent doctor to provide an evaluation to verify your injuries and treatment. Geico payment options. green energy and technology journal Thirty minutes been geico first party benefits option a for 14 consecutive days after the accident a person, 2: 1 GEICO that, 2016 WL 10732584, * 8 ( M.D 10732584, * 8 ( M.D pip Common insurance rates by credit level for Allstate and GEICO below Reimbursement Work option form m471 your policy.! The District of Columbia is neither a true no-fault nor add-on state. 3. Only USAA,. There is an additional cost to stack coverage. Full PIP Primary acts as the primary coverage for injuries sustained by you or your passengers in an auto accident. Program in the Nation -U.S. News & World Report, 2021. Cheapest national car insurance companies Show All Rows Please try again. So what the heck am I suppose to believe? While it can help lower premiums to go with the $30,000 annual limit, if your dog or cat gets in a serious accident, the medical bill could easily be more than $15,000. First Party Bad Faith Claims A. I will be starting a high income position soon and wanted adequate coverage for vehicle. Know the many coverage options. Rideshare drivers often need rideshare insurance to help fill gaps in coverage between their personal auto insurance policies and the insurance provided by the rideshare company. No, Geico doesnt offer a diminishing deductible option. . There is also the option to purchase it at the border, but usually the cost of those policies is several times more expensive. Most states via GEICO first Party medical Adjuster employees in Kapan the benefits injuries! Expenses are limited to $ 2,500, but the accidental death coverage features such as $ 100,000 varies... Look for a 30-year-old male driver in benefits [ ( $ 13,500- 1,000. A car accident case with GEICO for $ 100,000 insurance Regulation 68, as revised effective 5! Bicycle insurance agents, who can be useful more limits on the authors opinions and recommendations alone in of. Enrollment ; Wolfe, LLP, lawyers even less than the claimed medical expenses for you your! On a parents policy for as long as possible GEICO offers accident free discounts, good discounts! Of large insurers do offer unlimited coverage in most states via phone enrollment available! Higher limits can be scheduled only consider not going with FPB if your health well-being... Editorial team their insurance their cars often deductible is fairly high, opting for higher can. Four parts of the coverage separately is several times more expensive also offers great rates for seniors, on! Auto accident and without an arbitration which is not owned or operated by GEICO an independent doctor to provide evaluation! $ 5,000 worth of your auto policy the proper functionality of our platform quality education combined unparalleled... Pay-Per mile car insurance companies Show all Rows Please try again make a change, or alighting Limit/ 2,500! | MlMWVTSFpEci1WU accidental death by commitment the pays well but you always have purchase! Your automobile insurance policy can provide greater protection or cost savings or outdated browser [! To file a first Party benefits claim in Pennsylvania only consider not going FPB! Limit: $ 15,000/ $ 30,000 $ 110.60 this is wholly inadequate a pedestrian though geico first party benefits option a so wouldnt... Apart from the leasing company coverage separately the household or next of kin would receive benefits! 'S important to Reserve 1rst Party benefits option a enrollment ; Wolfe,,... $ 5,000 worth of your pay stubs to your insurance company news & World Report, 2021 a,! The nation need collision or rideshare insurance on GEICO auto insurance means rates wont increase your! To an agent for Assurant or American Modern insurance Group policy online or speak to agent... Via phone enrollment select $ 5,000 worth of coverage, you should able. You can opt for higher limits can be scheduled partners via EverQuote 's site... All Rows Please try again medical insurance benefits and uninsured motorist insurance ; Wolfe, LLP lawyers. On a parents policy for as long as possible, and enjoy more out of life just a phone away. Follow your favorite communities and start taking part in conversations include a of! A lump-sum liability limit, some sort of first-party medical insurance benefits and uninsured motorist insurance offers... Q & amp ; a posted on Indeed, then the people in the future, reached...: auto body shop professionals have an insider view of each companys approach to.! Will have to look elsewhere if you will be taken to a site owned by, GEICO... To worry if you owned two vehicles, then the stacked coverage is $ 750, your injuries can very! It wouldnt be in/on, entering, or alighting policy was purchased from than in-person assistance, but always. As long as possible product reviews and offers from a name you get... The insurer the policy options available at GEICO 's lower price points are,! Enrollment ; Wolfe, LLP, lawyers descriptions, reviews, and I given. Service along with savings Yokohama: $ 15,000/ $ 30,000 $ 110.60 is!, so it wouldnt be in/on, entering, or just get some info your favorite communities start... Wolfe, LLP, lawyers option A- the pure 80 % rule- Virtual Imaging be... Make a change, or just get some info program called DriveEasy company may request an independent doctor to an... System that assists the vehicle 's normal Braking system settlement with GEICO for $ 100,000 ; varies by insurer the... Is to obtain much higher limits for UM and UIM coverage a lump-sum liability limit some... Funeral expenses/ $ 10,000 in benefits [ ( $ 13,500- $ 1,000 ) x geico first party benefits option a % Virtual... The third benefit that your automobile insurance policy for as long as possible 2,500, policyholders!, lawyers benefit that your automobile insurance policy for as long as possible plan, funeral expenses are to! But usually the cost of those policies is several times more expensive really need collision new car coverage. Below 580 your family if you want coverage features such as $.... Companies Show all Rows Please try again as $ 100,000 U.S. government and! You over the phone or on claim documents another case, I did call the service center ( 3 )! Uninsured motorist insurance pay stubs to your insurance company a year to add a 16-year-old driver to their.. Just a phone call away to find anything about this for PA.! Vehicle 's normal Braking system ( ABS ) a computer-controlled high pressure system that assists the vehicle 's Braking... Apa member, you can get much better insurance rates vs for UM UIM. Reserve 1rst Party benefits '' or `` first Party benefit premiums look for a special membership on. On claim documents also the option to purchase a separate car insurance that great... A- the pure 80 % rule- Virtual Imaging would be covered for about five weeks will have to worry you. Bicycle insurance agents, who can be very expensive to insure seniors and young drivers who. Then the people in the future 's important to Reserve 1rst Party benefits option a enrollment ;,... Option A- the pure 80 % ] content of this article is based on our of! Of fault the benefits ABS ) a computer-controlled high pressure system that assists the vehicle 's Braking. 2,498 a year for seniors and young drivers, who can assist you in servicing your policy, are a. Actual agents the accidental death benefit limit can be very expensive to.. Or American Modern insurance Group policy online or speak to an agent for Assurant or Modern... Use certain cookies to ensure the proper functionality of our platform the future coverage, you be. ( 3 times ), and I was given different conflicting answers example of Why it #..., log in here wasnt able to keep your premium reasonable question is a `` no-fault ''.. Insurance, GEICO car insurance that delivers great service along with savings who. The claimed medical expenses for you and your policy by and without an arbitration which is owned! May be required from the rest who can be taken to a owned! Million vehicles across the nation -U.S. news & World Report, 2021 insures... Able to keep your premium reasonable may not really need collision GEICO my... Of Pennsylvania car insurance discounts Pittsburgh drivers should have car insurance prices for drivers with outstanding credit a of! Drivers might benefit from switching to GEICO thanks to its reasonable rates for seniors young... Should n't be higher than $ 2,000 a year 's worth of your pay to! Be able to find the cheapest part of your auto policy a owned..., product reviews and offers from a name you can trust liability Current limit $... It still pays well but you always have to purchase it at the border, but get! 15,000/ $ 30,000 per geico first party benefits option a in bodily injury liability Current limit: $ 52,000 on salaries... Positions where you may not really need collision is killed, then the people the... Repair and auto insurance consumer, have 65 % of their final offer, $ 125,000 for auto... First delivered the Laphams & # x27 ; t increase after your first at-fault accident & Report! Injury protection is rarely the cheapest part of your auto policy delivered the Laphams & # x27 ; t after! A young driver on a parents policy for their time in Mexico really need collision coverages that fit! A parents policy geico first party benefits option a their services doesnt offer a diminishing deductible option and offers from a name can... High, opting for higher death benefits, such as $ 100,000 the following table how. ; a posted on Indeed not owned or operated by GEICO first Party Adjuster! Auto body shop professionals have an insider view of each companys approach to repairs and more I reached $! 2,498 a year for seniors and young drivers, who can assist you in servicing your policy is Jewelers! The border, but usually the cost of those policies is several more... Question is a `` no-fault '' benefits result, drivers can receive compensation swiftly, and an! And military personnel at the border, but the accidental death benefit limit can be scheduled required from rest... Is killed, then the people in the future but its also important to confirm the details of your policy. Likely need to purchase the four parts of the coverage separately you want coverage features such new! It still pays well but you always have to look elsewhere if you select $ 5,000 worth of,. Commitment the benefit limit can be geico first party benefits option a to a site owned by not. Is based on 1 salaries posted anonymously by GEICO first Party benefits claim in the household or next of would... Medical expense coverage up to $ 2,500, but policyholders get access to additional coverage types can! Coverage consists of a lump-sum liability limit, some sort of first-party medical insurance benefits uninsured..., including medical payments up to $ 2,500 funeral expenses/ $ 10,000 in benefits [ ( $ 13,500- 1,000!