/* Please refer to readme.html for full Instructions Text[...]=[title,text] Style[...]=[TitleColor,TextColor,TitleBgColor,TextBgColor,TitleBgImag,TextBgImag,TitleTextAlign,TextTextAlign, TitleFontFace, TextFontFace, TipPosition, StickyStyle, TitleFontSize, TextFontSize, Width, Height, BorderSize, PadTextArea, CoordinateX , CoordinateY, TransitionNumber, TransitionDuration, TransparencyLevel ,ShadowType, ShadowColor] */ var FiltersEnabled = 0 // if your not going to use transitions or filters in any of the tips set this to 0 Text[0]=["Information Disclosure","I understand that as part of the underwriting process, in most states you will order an insurance score based upon credit history which may be used to rate my policy. Consumer reports that contain information about driving and claims history are also obtained. I further understand that I have the right to be told the name and address of the reporting agencies providing these reports and to see and correct my personal information. If you receive corrected information from a consumer reporting agency, you will re-evaluate the information. I understand that you may disclose this information to conduct your business and that I have a right to obtain a copy of the company's privacy policy. "] Text[1]=["When does your current policy renew?","Enter the month, day and year that your current policy will renew."] Text[2]=["Select Number of Drivers","Enter the number of drivers you want to insure - up to 4."] Text[3]=["Select Number of Vehicles","Enter the number of vehicles you want to insure - up to 4."] Text[4]=["Do you own your home?","This information may be used to give a discount and it may also be used as an underwriting criteria."] Text[5]=["Will you insure your home with the same insurance company?","Use the drop down box to select 'No' or 'Yes'. A discount may be given to Insureds if they use the same insurance company to cover their auto and their home at the same time."] Text[6]=["Email Address","By providing your email address you will be able to save your quote and return later."] Text[7]=["Anti-theft Devices","Active Device – A device that requires the owner to 'engage' the device by flipping a switch of hitting a button.

Passive Device – A device that 'engages' automatically when the doors are locked without a separate action by the owner."] Text[8]=["",""] Text[9]=["",""] Text[10]=["Has this driver had a driver training class?","A discount may be given if a younger driver has taken and passed an official Driver Training class.  The insuring company will require evidence of class completion.  In addition, the course must meet specific standards to be acceptable.

The following guidelines are usually required for the Driver Training Credit to be given.

A minimum of 30 hours of classroom instruction in addition to one of the following:
  1. a. 6 hours of actual driving experience
  2. b. 3 hours of actual driving experience, plus 9 hours in a practice driving trainer simulator.  Driving and simulator training must be scheduled at the same time in the same semester.  (12 hours of simulator training required if not scheduled concurrently.)
  3. c. 3 hours of actual driving experience, plus 6 hours of multi-car range driving experience.
  4. d. 2 hours of actual driving experience, plus 4 hours of multi-car range driving experience, plus 6 hours in a practice driving training simulator.
      5. "] Text[11]=["Number of years with a valid U.S. license","This information will be used to develop the quote. An additional fee may be charged for 'Inexperienced Drivers'."] Text[12]=["",""] Text[13]=["",""] Text[14]=["",""] Text[15]=["",""] Text[16]=["",""] Text[17]=["",""] Text[18]=["",""] Text[19]=["",""] Text[20]=["",""] Text[21]=["Payment Plan Options", "Payment in Full - No Service Charge,and a Discount is available
      EFT 12 Pay - No service charge
      Credit Card 12 Pay - Service Charge applies
      Monthly Payment - Service Charge applies

      Ask your AAA Agent about these plans today!"] Text[22]=["",""] Text[23]=["",""] Text[24]=["",""] Text[25]=["",""] Text[26]=["",""] Text[27]=["",""] Text[28]=["",""] Text[29]=["",""] Text[30]=["Type of violation","Use the drop down box to select any violations you may have had in the past 5 years."] Text[31]=["Violation Date","You need to enter the month, day, and year for each violation."] Text[32]=["Damage amount","Enter the damge amount, if there was any, for this violation."] Text[33]=["MPH Over","If there was a speeding violation, enter how many miles per hour over the speed limit the driver was going.

      "] Text[34]=["Speed Zone","What was the speed zone the driver was in at the time of the violation?"] Text[35]=["Bodily Injury / Death","Select an option from the drop down box if this incident resulted in bodily injury or death of another person."] Text[36]=["",""] Text[37]=["",""] Text[38]=["",""] Text[39]=["",""] Text[40]=["Please Select the model year of the Vehicle","Enter the year this vehicle was manufactured."] Text[41]=["Enter the approximate vehicle cost new","If your vehicle was manufactured before 1980 you will need to enter the approximate amount your vehicle cost when it was new.  This will help us determine a more accurate rate."] Text[42]=["Type of Use","Use the drop down box to indicate how this vehicle is used.

      Pleasure:
      You never use your vehicle for business.  You do use your vehicle for personal driving, such as driving to or from work or school.  Many companies will give you 'Pleasure Use' if you drive 3 or fewer miles to work or school one way.  In addition, many companies will give you 'Pleasure Use' if you drive between 3 and 15 road miles one way for not more than 2 days per week.
      Work:
      You drive your vehicle regularly to work or school more than 3 road miles one way - more than two days a week.
      Business:
      This vehicle is used for business purposes such as sales, service or delivery calls, work-related errands (such as trips to the bank or post office) and other work-related driving.  This does not include driving your vehicle to and from work."] Text[43]=["Expected mileage in the next 12 months","Enter the approximate number of miles this vehicle is driven each year. A discount may be given for low annual miles."] Text[44]=["Commute Miles (one way). ","If you drive this vehicle to work, you need to enter how many miles you drive one way."] Text[45]=["Estimate the percentage that each driver uses this vehicle","Does any other person in your family drive this vehicle? If so, enter the percentage for each driver."] Text[46]=["Is vehicle equipped with Anti-Lock Brakes?","To qualify for this discount, the auto must be equipped with a factory installed four wheel Anti-Lock Braking System(ABS)."] Text[47]=["Indicate any Anti-Theft devices available on the vehicle","There are two kinds of Anti-theft categories:
      1. Alarm ONLY and Active Disabling Devices: These vehicles are equipped with a device that does one or more of the following when activated:
        • Sounds an alarm
        • Causes the vehicle horn to sound
        • Causes the vehicle lights to flash
        • Causes the vehicle to be rendered inoperable
      2. Passive Disabling Devices: These devices disable the vehicle by making the fuel, ignition or starting system inoperative. It is passive if a separate manual step is not required to engage the device.

      "] Text[48]=["Indicate any Passive Restraint devices available on the vehicle","Air Bags or Seat Belts: These are also known as Passive Restraint Devices. A discount may be given to vehicles that are equipped with factory installed automatic occupant restraints. These restraints must conform to the federal crash protection requirements. "] Text[49]=["Zip Code where vehicle is garaged","Enter the zip code where this vehicle is garaged. Some people garage one or more of their vehicles in addresses other than their homes. To get an accurate quote, you will need to enter this information."] Text[50] = ["Enter the type of loss", "Select the type of loss that best describes the loss that occurred."] Text[51] = ["Enter the date of loss", "Enter the date on which the loss occurred."] Text[52] = ["Enter the amount of the loss", "Enter the amount paid by the insurance company for the loss."] Text[53] = ["Enter whether or not the loss was catastrophic", "If the loss is the result of a catastrophe, select catastrophic. Otherwise, select Non-Catastrophic."] Text[54]=["",""] Text[55]=["",""] Text[56]=["",""] Text[57]=["",""] Text[58]=["",""] Text[59]=["",""] Text[60]=["Please indicate specific garaging area for zip code selected","From the drop down box, select the town or suburb and county that best describes where your vehicle is garaged."] Text[61]=["Indicate Make of selected vehicle","Select the make of this vehicle."] Text[62]=["",""] Text[63]=["Indicate Body Type for selected vehicle.","Select the body type of your vehicle. Look at the list closely. Although many of them look alike, there are slight differences.

      Many of the types have been abbreviated.  The following table will help you determine what these mean:

      AbbreviationDefinition
      APVAll Purpose Vehicle
      CONVConvertible
      CPECoupe
      HBHatchback
      LFTBKLift Back
      LIMOLimosine
      MPVMulti-Purpose Vehicle
      SEDSedan
      SPT CPESport Coupe
      SUBSuburban
      WAGWagon
      Select the body type of your vehicle. Look at the list closely. Although many of them look alike, there are slight differences.

      Many of the types have been abbreviated.  The following table will help you determine what these mean:

      AbbreviationDefinition
      APVAll Purpose Vehicle
      CONVConvertible
      CPECoupe
      HBHatchback
      LFTBKLift Back
      LIMOLimosine
      MPVMulti-Purpose Vehicle
      SEDSedan
      SPT CPESport Coupe
      SUBSuburban
      WAGWagon


      There is the possibility that some models may have the same body type description.  In order for us to provide you the most accurate rate, you will need to do the following to select the correct description:

      You will need to check the Vehicle Identification Number (VIN) to determine the correct selection.  This number is located after 'VIN#' in the descriptions of the body type.  You will need to match this number to the first 10 characters of your vehicles VIN number.  Your VIN number can be found either on your vehicle registration card or near the base of the windshield on the driver's side dashboard in your vehicle.  The number listed in thedescriptions may contain an '&' somewhere in the number.  This is used as a 'wild card', which means it could be replaced by any letter or number.
      There is the possibility that some models may have the same body type description.  In order for us to provide you the most accurate rate, you will need to do the following to select the correct description:

      You will need to check the Vehicle Identification Number (VIN) to determine the correct selection.  This number is located after 'VIN#' in the descriptions of the body type.  You will need to match this number to the first 10 characters of your vehicles VIN number.  Your VIN number can be found either on your vehicle registration card or near the base of the windshield on the driver's side dashboard in your vehicle.  The number listed in the descriptions may contain an '&' somewhere in the number.  This is used as a 'wild card', which means it could be replaced by any letter or number.
      "] Text[64]=["",""] Text[65]=["",""] Text[66]=["",""] Text[67]=["",""] Text[68]=["",""] Text[69]=["",""] Text[70]=["Bodily Injury","This coverage is insurance that protects you against financial loss when you are found legally responsible for injuring other people in an automobile accident. Liability insurance for bodily injury pays for the medical treatment, rehabilitation, or funeral costs incurred by another driver, his or her passengers, passengers in your car, and pedestrians. In addition to the policy limit, this coverage provides for the cost of defense of civil lawsuits arising out of any covered accident, whether or not the insured is legally liable for the damages claimed."] Text[71]=["Medical","Medical coverage provides coverage for medical expenses someone may incur regardless of fault. It covers the named insured and all relatives of the named insured residing in his/her household while in or upon, entering or alighting from an automobile, or through being struck by an automobile."] Text[72]=["Uninsured Motorist (UM)","This coverage will protect you if you are hit by a legally liable person who does not have automobile insurance.

      For example:
      If you purchase Uninsured Motorists (UM) coverage for $25,000 and insure three vehicles under your policy, each vehicle will be allowed $25,000 coverage if hit by an uninsured motorist."] Text[73]=["Underinsured Motorists (UIM)","Underinsured Motorists coverage protects you if you are hit by a legally liable person who does not carry high enough limits to pay for your loss.

      For example:
      If you purchase Underinsured Motorists (UM) coverage for $25,000 and insure three vehicles under your policy, each vehicle will be allowed $25,000 coverage if hit by an underinsured motorist."] Text[74] = ["Other Than Collision (Comprehensive)", "This covers losses to autos that are not due to collision with another object. This would include factory-installed equipment and breakage of glass, loss caused by missiles, filling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, rising water, flood, malicious mischief or vandalism, riot or civil commotion."] Text[75]=["Collision","Collision insurance is automobile insurance coverage that reimburses the insured for damage to their car, when the damage results from overturning the car or from colliding with another object. The other object doesn’t have to a car – a run-in with a tree or a brick wall would be covered under the collision provision of a policy."] Text[76]=["Towing","This coverage pays for the cost to tow your vehicle.  The Coverages listed are for each disablement.  You can only select this coverage if you choose Collision and Comprehensive coverage."] Text[77] = ["Rental", "This coverage pays the amount you select if you need to rent a car while your car is disabled due to a car accident.  You can only select this coverage if you choose Collision and Comprehensive coverage."] Text[78]=["Property Damage","Property damage liability is insurance coverage that pays to repair or replace other people's property that has been damaged by the insured or someone else who is covered in the policy.  Most state laws require that all drivers carry liability insurance or offer other proof that they are financially able to pay any damage that you might cause."] Text[79]=["",""] Text[80]=["",""] Text[81]=["Is this driver eligible for a good student discount?","An insurance company may give a good student discount to a family.  The company may require some or all of the following provisions:
      1. The owner or operator must be at least 16 years of age and is a full time high school, college or university student.
      2. Proof from the school (on each anniversary date of the policy) that the student has met one of the following requirements during the immediately preceding school semester:
        • Is in the upper 20% of his/her class scholastically or

        • Maintains a 'B' average, or its equivalent

        • When in a school maintaining a numerical grade, must have at least a 3 in a 4,3,2,1 point system or its equivalent

        • Student is included in a Dean's List, Honor Roll or comparable list indicating scholastic achievment

      "] Text[82]=["Is this driver a distant student?","A discount may be given if an owner or operator attends a school 100 miles away from home.  They assume that the operator will only drive the vehicle when they are home, and there will be a smaller risk of getting into an accident."] Text[83]=["Work Loss","A credit is applied if the principal operator of the vehicle (or that operator's spouse) has another eligible plan for payment of work loss resulting from injury from the use of a motor vehicle.  A typical eligble plan is defined as:
      1. A plan in which benefits are not decreased or used up as payments are made or as accumulated sick leave time is used, and
      2. Future benefits under the plan are not reduced.

      "] Text[84]=["Accidental Death","Accidental death pays out in the event of a fatal accident.  If you have other forms of insurance, it offers an added layer of protection.  To receive benefits, your death must occur within a certain time frame after the accident, usually within three months.  Also, your death must be the direct result of the injuries you sustained in the accident.  If you die and meet the criteria, the policy would pay the principal, or full, amount of the Accidental Death policy."] Text[85]=["Uninsured Motorist - Property Damage(UMPD)","If you have uninsured motorist (UM) coverage, that doesn't mean you'll be totally protected if an unisured driver crashes into your vehicle.  Standard UM coverage pays for bodily injury only.

      In most cases, your collision coverage will pay your repair bill, but that means you will have to come up with the deductible.  However, UMPD coverage is available in 22 states and the District of Columbia, and, if you have it, it could mean big savings in the event of an accident with an uninsured driver."] Text[86]=["Underinsured Motorist - Property Damage(UIMPD)","If you have underinsured motorist (UIM) coverage, that doesn't mean you'll be totally protected if an underisured driver crashes into your vehicle.  Standard UIM coverage pays for bodily injury only.

      In most cases, your collision coverage will pay your repair bill, but that means you will have to come up with the deductible.  However, UIMPD coverage could help you save money if you are involved in an accident."] Text[87]=["",""] Text[88]=["Alarm only and active disabling devices discount","This vehicle should have:

      1. An alarm only device which sounds an audible alarm that can be heard at a distance of at least 300 feet for a minimum of three minutes, or
      2. An active disabling device which disables the vehicle by making the fuel, ignition or starting system inoperative.  A disabling device is categorized as active if a seperate manual step is required to engage the device.
      "] Text[89]=["Passive Disabling Device Discount","Passive devices disable the vehicle by making the fuel, ignition or starting system inoperative.  A diabling device is categorized as passive if a separate manual step is not required to engage the device."] Text[90]=["Window Glass Etching","This discount will be given for vehicles on which at least the windshield, door glass, rear window, T-top and moon/sun roof are etched with the Vehicle Identification Number (VIN) of the insured vehicle or with any other unique identifying symbol.  The states that give this discount may have standards that govern the qualification for the premium reduction."] Text[91]=["Vehicle Recovery System","A Vehicle Recovery System is an operational anti-theft and recovery device consisting of and electronic homing device used in conjunction with a participating police agency and using a radio frequency network allocated by the Federal Communications Commission.  When activated, the electronic homing device allows law enforcement agencies to track the stolen vehicle."] Text[92]=["Daytime Running Lights","Vehicles that are equipped with factory installed headlights that are on all the time may be given a discount on the premium."] Text[93]=["Personal Injury Protection (PIP)","This is a special form of insurance that pays for medical expenses and loss of income because of an automobile accident.  PIP pays for expenses the insured has actually incurred, up to a specific, per-person dollar amount.  PIP usually includes benefits for medical expenses, loss of work income, essential services, accidental death and funeral expenses.

      States that have no-fault laws require drivers to buy PIP.  It is also offered as an optional coverage in some states without no-fault laws.  This coverage varies greatly from state to state.  In some cases, an insured can have medical as well as PIP coverage."] Text[94]=["Additional PIP","You can purchase Additional PIP for an extra amount.  This will give you additional amounts of insurance over the required PIP limits provided.

      Option A:
      Additional Limits of Combined Medical Expense, Work Loss and Other Expenses: $25,000
      Additional Monthly Work Loss: $500
      Additional Other Expenses: $25

      Option B:
      Additional Limits of Combined Medical Expense, Work Loss and Other Expenses: $50,000
      Additional Monthly Work Loss: $1,000
      Additional Other Expenses: $25

      Option C:
      Additional Limits of Combined Medical Expense, Work Loss and Other Expenses: $100,000
      Additional Monthly Work Loss: $2,000
      Additional Other Expenses: $25
      "] Text[95]=["PIP Deductible","Select the deductible amount you want applied to the Personal Injury Protection coverage."] Text[96]=["Medical Expenses Elimination","The Medical Expense benefit provided by Basic Personal Injury Protection can be eliminated if the named insured only or the named insured and relatives are covered for medical expenses under a substitute health plan.  The insurance department must approve this substitute health plan.  The Medical Expense Elimination would apply to all vehicles in the household.  A credit is applied to the Basic Personal Injury Protection rate."] Text[97]=["Work Loss Coordination","A credit is applied to the basic Personal Injury Protection rate if the principal operator of the vehicle (or that operator's spouse) has in effect with their employer an eligible plan for payment of work loss resulting from injury from the use of a motor vehicle.  This discount is applied to all vehicles in the household.  An eligible plan may be defined as:

      1. A plan in which benefits are not decreased or used up as payments are made or as accumulated sick leave time is used, and
      2. Future benefits under the plan are not reduced.

      "] Text[98]=["Optional Basic Economic Loss","You can purchase Optional Basic Economic Loss (OBEL) Coverage.  This provides additional Personal Injury Protection.  This additional amount may be applied to work loss, and/or psychiatric, physical or occupational therapy and rehabilitation after initial benefits have been used up.  If you select this coverage, it will apply to all the vehicles in the household."] Text[99]=["Additional Death Benefit","Choose the amount of coverage you want if you want to purchase additional Death Benefits over the amount provided."] Text[100]=["Full Glass Coverage","Deductible comprehensive insurance which provides full coverage for the repair or replacement of damaged safety equipment, without regard to the applicable comprehensive deductible, shall be provided at the option of the insured.

      The term 'safety equipment' as used in this rule means the:

      (1) Glass used in the windshield, doors and windows of a motor vehicle; and
      (2) Glass, plastic or other material used in the lights of a motor vehicle."] Text[101]=["Statutory/Supplementary UM (SUM)","In some states, SUM coverage must be offered to all insureds by written notice.  If you do not want this coverage, a written waiver must be sent to the insurance company.

      If statutory Uninsured Motorist coverage is chosen, it must apply to all vehicles in the household at the same limit.  This coverage cannot be written unless bodily injury and property damage are also chosen.  If you cancel bodily injury and property damage coverage, the SUM will automatically be cancelled at the same time.  This coverage can be written at limits equal to or less than the liability limits of the policy.

      The policy must have either SUM coverage or the basic Uninsured Motorists coverage, but not both."] Text[102] = ["Pip Exclusion of Benefits", "The premium for Personal Injury Protection can be reduced by limiting the circumstances under which you collect reimbursement for medical or related claims. You may want to consider this option if you have adequate medical insurance from another source such as your employer. Please discuss your options with your agent."] Text[103]=["Pip Exclusion of Benefits","The premium for Personal Injury Protection can be reduced by limiting the circumstances under which you collect reimbursement for medical or related claims. You may want to consider this option if you have adequate medical insurance from another source such as your employer. Please discuss your options with your AAA agent."] Text[104]=["Annual Income","You may be asked to enter your household family income.  Annual income may be used to determine Personal Protection Insurance rates.  This is used in conjunction with dependent status and the rejection of work loss to arrive at a rate."] Text[105]=["PIP (Personal Injury Protection) Work Loss Exclusion","Some states require that every insurance company that provides Personal Injury Protection coverage must make the rejection of Work Loss option available to insureds age 60 and older.

      In order to be eligible for Rejection of Work Loss, an insured age 60 or older must have no expectation of actual income loss and must sign a form waiving this benefit.

      The following options are not usually available to a named insured age 60 or older who has selected the rejection of Work Loss option:


      "] Text[106]=["Property Buy Back","Property Damage Liability Coverage Buy-Back provides the following coverages:

      Limits - There is a set maximum limit; check with each company to find out the maximum.
      When the insured is involved in an accident in Michigan, this coverage will either;"] Text[107]=["Optional Collision","Some states have optional collision coverages.  In those states, insurance companies need to offer insureds (you) the option to purchase broadened or limited Collision coverage when an auto policy is initially written.

      In these cases, once a year a notice is sent to policyholders
      "] Text[108]=["",""] Text[109]=["PIP Deductible/Copay","The PIP (Personal Injury Protection) Deductible (or copay) is the amount that you, the insured, must pay before the insurance company will pay its share of the covered amount."] Text[110]=["Optional Basic Pip","Also known as 'Optional Basic Economic Loss Coverage.'   You may choose to purchase this coverage.  It is applied after the initial basic economic loss has been used up.  Coverage varies by state."] Text[111]=["Reject Work Loss","Some states require that every insurance company that provides Personal Injury Protection (PIP) coverage must make the rejection of Work Loss option available to insureds age 60 or older.

      In order to be eligible for Rejection of Work Loss, an insured age 60 or older must have no expectation of actual income loss and must sign a form waiving this benefit.

      The following options are not usually available to a named insured age 60 or older who has selected the rejection of work loss option:
      "] Text[112]=["",""] Text[113]=["",""] Text[114]=["Extraordinary Medical Benefits","This provides coverage for medical and rehabilitative expenses that exceed a limit that has been set, subject to a yearly limit.  The annual limit does not apply to expenses incurred within the first 18 months of an insured's eligibility for the coverage."] Text[115]=["First Party Coverage","There are three parties named in an insurance policy.  You and your family are the first party; the insurance company is the second party; and anyone whom you may cause injury or damage is the third party.  In first-party coverage, such as collision and comprehensive auto insurance, your own insurance company pays for your losses."] Text[116]=["",""] Text[117]=["",""] Text[118]=["Work Loss per week/month","This is the average amount of monthly or weekly income lost because of your inability to work due to a disability from a covered auto accident."] Text[119]=["",""] Text[120]=["",""] Text[121]=["Auto Death Indemnity","Some states will make coverage available that will provide to the insured (or the appropriate individual in case of death) for death or loss directly resulting from an accident.

      Usually coverage is available on a policy written with bodily injury and property damage or combined single limit liability or collision coverage."] Text[122]=["Stacked Uninsured/Underinsured Motorists","If you have a covered Uninsured/Underinsured Motorists (UM/UIM) loss your total coverage will be the sum of the coverage limits for ALL vehicles covered under your policy (even if only one covered vehicle was involved in the accident)."] Text[123]=["Number of Months Insured with Current Carrier.","Indicate the number of months you have been insured with your current carrier.  This is used for plan/tier placement, renewal discounts, etc..."] Text[124]=["What is your Residence Type?","Indicate the type of residence you live in.  This is used in company underwriting and discounts."] Text[125]=["Is vehicle eligible for Four Door Discount?","Four door vehicles may recieve a discount."] Text[126]=["Indicate any applicable Anti-Theft devices available on the vehicle./ Any extra Anti-Theft discounts available?","Category 1

      The discount my be applied to a vehicle with an external hood release.

      The discount for window identification system is in addition to any other discount permitted by these rules.


      Category 2

      A sticker may identify the presence of this system.


      Category 3

      "] Text[127]=["Collision Deductible Waiver","This coverage shall be offered under every auto liability policy issued or delivered to the owner of a motor vehicle principally used or principally garaged in California to which Bodily Injury Uninsured Motorists Coverage and Collision coverage are afforded."] Text[128]=["How would you rate your credit?","Your credit will be evaluated to help place you into the proper Tier/Plan Type that a company offers."] Text[129]=["Reparations Benefits","Reparations Benefits Coverage provides for payment of benefits, subject to a maximum limit of $5,000, for any one motor vehicle accident.  Benefits includes Medical Expenses, Work Loss, Survivors Loss and Funeral Expenses."] Text[130]=["Reparations Benefits","Reparations Benefits Coverage provides for payment of benefits, subject to a maximum limit of $5,000, for any one motor vehicle accident.  Benefits includes Medical Expenses, Work Loss, Survivors Loss and Funeral Expenses."] Text[131]=["Conversion Underinsured Coverage","An option to select Underinsured Motorists Conversion Coverage shall be offered.  If this option is selected, Underinsured Motorists Conversion Coverage which includes Uninsured Motorists Coverage, is provided instead of standard Underinsured Motorists coverage.  This option is broader than the coverage provided under the standard Uninsured/Underinsured Motorists coverage with respect to an accident involving an underinsured motor vehicle.  If Underinsured Motorists Conversion Coverage is selected coverage will differ with respect to accidents involving underinsured motor vehicles."] Text[132]=["Extended Medical Expense Benefits","Extended Medical Expenses coverage provides for those medical expenses which are generally contemplated by traditional Medical Payments coverage but not included in Principal Personal Injury Protection coverage."] Text[133]=["Additional Personal Injury Protection","Additional Personal Injury Protection limits options are available at the election of the insured except when the Deletion of Benefits Other Than Medical Expense option is elected for Principal Personal Injury Protection.

      Option 1: $100 Weekly, $10,400 Total
      Option 2: $125 Weekly, $13,000 Total
      Option 3: $175 Weekly, $18,200 Total
      Option 4: $250 Weekly, $26,000 Total
      Option 5: $400 Weekly, $41,600 Total
      Option 6: $500 Weekly, $52,000 Total
      Option 7: $600 Weekly, $62,400 Total
      Option 8: $700 Weekly, $72,800 Total
      Option 9: $100 Weekly, Unlimited Total
      Option 10: $125 Weekly, Unlimited Total
      Option 11: $175 Weekly, Unlimited Total
      Option 12: $250 Weekly, Unlimited Total
      Option 13: $400 Weekly, Unlimited Total
      Option 14: $500 Weekly, Unlimited Total
      Option 15: $600 Weekly, Unlimited Total
      Option 16: $700 Weekly, Unlimited Total
      "] Text[134]=["Deletion of Benefits Other Than Medical Expense","Principal Personal Injury Protection coverage may, at the option of the insured, be modified to delete all benefits except medical expense benefits.  This deletion of benefits will apply only to the named insured and resident relatives.

      When this option is elected, Additional Peronal Injury Protection Coverage is not available."] Text[135]=["Medical Expense Benefits As Secondary Coverage","Principal Personal Injury Protection coverage may, at the option of the named insured, be secondary coverage in regards to medical expenses payable to the named insured and resident relatives.  When this option is elected, the primary payer of Personal Injury Protection medical expenses shall be the insured's health insurer, HMO, or government sponsored health insurance program."] Text[136]=["Loss of Income Benefits Coverage","This coverage pays you, your family, or others in your auto for loss of income up to $100 per week for a period not to exceed 52 weeks."] Text[137]=["Loss of Income Benefits Coverage","This coverage pays you, your family, or others in your auto for loss of income up to $100 per week for a period not to exceed 52 weeks."] Text[138]=["Economic Loss Uninsured Motorists Coverage","An insurer may make Economic Loss Uninsured Motorists Coverage available to the named insured as an alternative to bodily injury Uninsured Motorists Coverage at limits up to the Split Limit Bodily Injury Liability limits of the policy.

      If selected, injured parties will be compensated only for their out-of-pocket expenses when involved in an accident with an uninsured motorist or underinsured motorist."] Text[139]=["Combat Auto Theft Program","A discount may be given for vehicles participating in a Combat Auto Theft (CAT) Program, in which vehicles displaying an official decal may be stopped, without other cause, by law enforcement officers if operated between 1 a.m. and 5 a.m. This program is available in many areas of New York State, and requires the participation of the local police department. You may contact your local police precinct regarding participation."] Text[140]=["Out-of-State Extension","No Help"] Text[141]=["Personal Injury Protection - Medical Benefits","Medical Expense benefits include all reasonable and necessary expenses from the date of the accident for medical, hospital, x-ray, professional nursing, dental, surgical, ambulance, prosthetic services and for any non-medical remedial care and treatment subject to a limit of either $50,000 or $100,000 per person."] Text[142]=["Personal Injury Protection - Work Loss Coverage","Work Loss Coverage benefits include loss of income from work the wage earner would have earned had they not sustained bodily injury subject to a limit of 80% of the gross income lost not to exceed $12,000 or $24,000."] Text[143]=["Funeral Expense Coverage","Funeral Expense coverage provides a $4,000 payment if death is caused by an automobile accident occurs within one year from the date of the accident."] Text[144]=["Tort Threshold","The term Tort Threshold refers to a coverage election that you make on your own automobile insurance policy which limits your right to bring a personal injury claim against another driver who has injured you in an automobile accident. If you select the Verbal option on your own automobile insurance policy, you will pay a lower premium but you will not be permitted to bring a claim against another driver unless your injuries fall into one of six statutory categories. On the other hand, if you select the Zero option on your own policy, you will have no such limitations on your right to bring a claim against another negligent driver."] Text[145]=["",""] Text[146]=["",""] Text[147]=["",""] Text[148]=["",""] Text[149]=["",""] Text[150]=["",""] Text[151]=["First Available","Quickest way to speak to an agent about your online quote. Our Insurance Sales Call Center team is staffed with knowledgeable insurance professionals eager to assist you every step of the way. Fast and easy but with the detailed and personalized service that you expect from AAA Insurance"] Text[152]=["Local Agent","Prefer to meet in person about your online quote? You will be contacted by one of our Insurance Agents located in the AAA office closest to you"] Text[153]=["First Available", "Quickest way to speak to an agent about your online quote. Our Insurance Sales Call Center team is staffed with knowledgeable insurance professionals eager to assist you every step of the way. Fast and easy but with the detailed and personalized service that you expect."] Text[154]=["Local Agent", "Prefer to meet in person about your online quote? You will be contacted by one of our Insurance Agents located closest to you"] Text[155]=["",""] Text[156]=["",""] Text[157]=["",""] Text[158]=["",""] Text[159]=["",""] Text[160]=["",""] Text[161]=["",""] Text[162]=["",""] Text[163]=["",""] Text[164]=["",""] Text[165]=["",""] Text[166]=["",""] Text[167]=["",""] Text[168]=["",""] Text[169]=["",""] Text[170]=["",""] Text[171]=["Information Disclosure","I understand that as part of the underwriting process, in most states you will order an insurance score based upon credit history which may be used to rate my policy. Consumer reports that contain information about claims history are also obtained. I further understand that I have the right to be told the name and address of the reporting agencies providing these reports and to see and correct my personal information. If you receive corrected information from a consumer reporting agency, you will re-evaluate the information. I understand that you may disclose this information to conduct your business and that I have a right to obtain a copy of the company's privacy policy."] Text[172]=["Disclaimer", "AAA Mid-Atlantic Insurance Group products are not available in the District of Columbia. Homeowner policies and umbrella coverage are underwritten by Keystone Insurance Company in the states of DE, MD, PA and VA. In the state of NJ, Homeowner policies and umbrella coverage are underwritten by AAA Mid-Atlantic Insurance Company of New Jersey. All policies are subject to policy terms, underwriting guidelines and applicable laws. Applicants may not qualify for all coverages, benefits or discounts."] Text[173]=["Disclaimer", "Automobile insurance policies are underwritten by AAA Mid-Atlantic Insurance Company, AAA Mid-Atlantic Insurance Company of New Jersey and Keystone Insurance Company. All policies are subject to policy terms, underwriting guidelines and applicable laws. Applicants may not qualify for all coverages, benefits or discounts."] Text[174]=["", ""] Text[175]=["",""] Text[176]=["",""] Text[177]=["",""] Text[178]=["",""] Text[179]=["",""] Text[180]=["",""] Text[181]=["When does your current policy renew?","Enter the month, day and year that your current policy will renew."] Text[182]=["Select the type of residence you live in.","Dwelling:  Your private residence and everything that is permanently attached to it (garage, screened porch, etc.)

      Town House:  Your home is a two-story dwelling in a complex of other town houses.

      Row House:  You live in a set of rooms in a building that is divided into dwelling units.  Each unit has an outside door, which allows you to enter your building.  The units have shared walls with the units beside them.

      Apartment:  You live in a set of rooms in a building that is divided into dwelling units, but you do not own the unit."] Text[183]=["Select the type of construction of the building.","Frame:  Exterior walls of wood or other combustible construction, including wood, iron clad, stucco on wood or plaster on combustible supports.

      Masonry:  Walls of brick or stone.

      Masonry Veneer:  Exterior walls of combustible construction, veneered with brick or stone.

      Aluminum Siding:  Aluminum siding over frame construction.

      Plastic Siding:  Plastic siding over frame construction.

      Superior Construction:  Constructed of non-combustible or fire-resistive materials.

      "] Text[184]=["Do you rent or own?","If you own your home, or are making monthly payments to a mortage company, select Own.

      If you pay rent every month to a landlord and only own the objects inside a home or apartment -- not the building itself, select Rent."] Text[185]=["Enter the number of units in your building.","Enter the number of residences within the approved fire walls or building you live in.  If you live in a duplex, you would enter 2; if you and your family live in your home,you would enter 1."] Text[186]=["What is the approximate distance, in feet, to the nearest fire hydrant?","Enter how many feet your building is from the nearest fire hydrant."] Text[187]=["What is the approximate distance, in miles, to the nearest fire department?","Enter how many miles your building is from the nearest fire department."] Text[188]=["Enter the number of units in your Fire Division.","Applicable to Town/Row houses.  An eligible two family owner-occupied dwelling attached to a one family dwelling but not separated by a fire wall would be considered 3 individual family units within a fire division.  An eligible four family dwelling attached to a three family dwelling but not separated by a fire wall would be considered 7 individual family units within a fire division: Four 2 family dwellings not separated by a fire wall would be considered 8 individual family units."] Text[189]=["Enter the number of losses reported for this property in the past 5 years?","A loss is defined as a reduction in the quality or value of a property or a legal liability for which a request for payment was made."] Text[190]=["Enter the number of losses reported for this property in the past 10 years?","A loss is defined as a reduction in the quality or value of a property or a legal liability for which a request for payment was made."] Text[191]=["Enter the distance, in feet, to the coast.","Please enter the distance your residence is from the coast. This information may be used for eligibility, for additional credits or surcharges to your policy."] Text[192]=["How would you rate your credit?","Your credit will be evaluated to help place you into the proper Tier/Plan Type that a company offers."] Text[193]=["",""] Text[194]=["",""] Text[195]=["",""] Text[196]=["",""] Text[197]=["",""] Text[198]=["",""] Text[199]=["",""] Text[200]=["",""] Text[201]=["Enter your home's replacement value.","Enter the amount of coverage desired for the dwelling."] Text[202]=["Enter your personal property value.","If you rent, this covers the contents of your personal property that is NOT attached to the house or apartment you live in. Enter what you believe to be the value of those items."] Text[203]=["Select a deductible.","Select the amount of deductible you wish applied toward a loss that may occur to your home. You will assume the loss up to the limit of the deductible amount; then the insurance company pays for any cost over that amount."] Text[204]=["Select a hurricane deductible.","Select the amount of deductible you wish applied toward a loss that may occur to your home as a result of a hurricane. You will assume the loss up to the limit of the deductible amount; then the insurance company pays for any cost over that amount."] Text[205]=["Select the amount of liability you want.","Liability is a term used to refer to bodily injury or property damage to another person caused by the insured. The liability limit is the maximum the insurance company will pay."] Text[206]=["Do you want personal injury liability?","You may want additional coverage to protect yourself from personal injury to other people. This coverage will protect you from false arrest, malicious prosecution, libel, slander, defamation of character, invasion of privacy, etc."] Text[207]=["Select a medical limit.","This coverage will pay for medical bills for people who get hurt while they are at your apartment or home. The medical limit is the maximum the insurance company will pay."] Text[208]=["Enter the amount of sewer backup coverage.","This includes coverage for direct physical loss caused by water that backs up through sewers or drains or water that overflows from the sump pump."] Text[209]=["Select a deductible for earthquake coverage.","This is an additional coverage in the event that your community has an earthquake. You may be required to pay a deductible."] Text[210]=["Replacement cost on contents.","The term Replacement Cost means the amount it would take to replace an item with a new one of like kind and quality."] Text[211]=["Replacement cost on dwelling.","Coverage may be extended to include the full cost of repair or replacement without deduction for depreciation."] Text[212]=["Do you have any valuable items you would like to insure?","If you answer Yes, you will be taken to another screen to select items for additional coverage."] Text[213]=["",""] Text[214]=["Dwelling Coverage","This amount includes what your Homeowner's Association does not cover."] Text[215]=["",""] Text[216]=["",""] Text[217]=["",""] Text[218]=["",""] Text[219]=["",""] Text[220]=["",""] Text[221]=["Does anyone in your houshold smoke?","A discount may be given if no one in the home smokes cigarettes, pipes, cigars, etc."] Text[222]=["Enter the age of the oldest person living in the house.","Type in the age of the oldest person living in the house. A Mature owner discount may be given if everyone in the home is of mature age."] Text[223]=["Enter the age of the youngest person living in the house.","This question goes along with the question above -- if all members of the household are mature, a discount may be given."] Text[224]=["How many years since your last paid loss?","A discount may be given if you have not experienced any losses for a period of time."] Text[225]=["Do you have a smoke detector installed?","Indicate if you have a smoke detector on each level of your home. A discount may be given for this."] Text[226]=["Do you have dead bolt locks?","Indicate if you have dead bolt locks on all of your outside doors. A discount may be given for this."] Text[227]=["Do you have a fire extinguisher in the house?","Indicate if you have a U&L listed fire extinguisher in your home."] Text[228]=["What type of fire alarm is installed?","A credit may be allowed for approved and properly maintained installations of fire alarms in your dwelling. There are several different types:
      "] Text[229]=["What type of burglary alarm is installed?","To qualify as a Burglar Alarm System, the system must be installed to warn against entry at all openings accessible from the ground level, from fire escapes, and from hallways and stairways used in common with any other residents of the of the same building. There are several different types:
      "] Text[230]=["What type of sprinkler system is installed?","A credit may be given for approved and properly maintained sprinkler systems. Usually the system must be professionally installed and have a city water supply. Please indicate if you have a partial or all areas system.
      "] Text[231]=["Will you insure your automobile(s) with this company?","Use the drop down box to select No or Yes. A discount may be given to insureds if they use the same insurance company to cover their auto and their home at the same time."] Text[232]=["Discount","The Loyal Member® Discount is only offered on certain policies as follows: Delaware: (2%-15%) AAA Mid-Atlantic Insurance Company policies only. Maryland (3%-22%): Keystone Insurance Company policies only. New Jersey (3%-20%): AAA Mid-Atlantic Insurance Company of New Jersey policies. Pennsylvania and Virginia (3%-20%): AAA Mid-Atlantic Insurance Company tiered policies only. You must be a AAA member for ten years to qualify for the Loyal Member® Discount in DE. Coverage not available in DC. Auto insurance underwritten by AAA Mid-Atlantic Insurance Company of New Jersey is available to AAA Members only."] Text[233]=["AAA Member", "AAA members may be eligible for an extra discount."] Text[234]=["",""] Text[235]=["",""] Text[236]=["",""] Text[237]=["",""] Text[238]=["",""] Text[239]=["",""] Text[240]=["",""] Style[0]=["white","black","#000099","#E8E8FF","","","","","","","","","","",200,"",2,2,10,10,51,1,0,"",""] Style[1]=["white","black","#000099","#E8E8FF","","","","","","","center","","","",200,"",2,2,10,10,"","","","",""] Style[2]=["white","black","#000099","#E8E8FF","","","","","","","left","","","",200,"",2,2,10,10,"","","","",""] Style[3]=["white","black","#000099","#E8E8FF","","","","","","","float","","","",200,"",2,2,10,10,"","","","",""] Style[4]=["white","black","#000099","#E8E8FF","","","","","","","fixed","","","",200,"",2,2,1,1,"","","","",""] Style[5]=["white","black","#000099","#E8E8FF","","","","","","","","sticky","","",200,"",2,2,10,10,"","","","",""] Style[6]=["white","black","#000099","#E8E8FF","","","","","","","","keep","","",200,"",2,2,10,10,"","","","",""] Style[7]=["white","black","#000099","#E8E8FF","","","","","","","","","","",200,"",2,2,40,10,"","","","",""] Style[8]=["white","black","#000099","#E8E8FF","","","","","","","","","","",200,"",2,2,10,50,"","","","",""] Style[9]=["white","black","#000099","#E8E8FF","","","","","","","left","","","",200,"",2,2,10,10,22,0.5,75,"simple","gray"] Style[10]=["white","black","black","white","","","right","","Impact","cursive","center","",3,5,200,150,5,20,10,0,50,1,80,"complex","gray"] Style[11]=["white","black","#000099","#E8E8FF","","","","","","","","","","",200,"",2,2,10,10,51,0.5,45,"simple","gray"] Style[12]=["white","black","#000099","#E8E8FF","","","","","","","","","","",200,"",2,2,10,10,"","","","",""] Style[13]=["white","black","#000099","#E8E8FF","","","","","","","left","","","",450,"",2,2,10,10,22,0.5,75,"simple","gray"] applyCssFilter()