AUTO INSURANCE COMPARISON CHART

	Explanation	Example/Illustration	State Requirements
Bodily Injury Liability	Coverage for injuries a covered driver causes to someone else	Injuries which result from an accident caused by a covered driver	Required in most states
Property Damage Liability	Coverage for damage a covered driver causes to someone else's property	Damage to someone else's vehicle	Required in most states
Uninsured/ Underinsured Motorists	Funds to help pay for treatment of injuries caused by a collision with an uninsured motorist	May also be used if at-fault driver has inadequate liability insurance	Required in some states, optional in others
Personal Injury Protection (PIP) also known as Medical Payments	Funds to help pay for treatment of injuries caused to the driver and/or passengers of the policyholder's vehicle	May cover medical payments, lost wages, etc.	Required in some states, optional in others
Collision	Funds to repair damage caused to the policyholder's vehicle	Collision with another vehicle, tree, etc.	Optional in most states
Comprehensive	Funds to repair damage to the policyholder's vehicle that are not the result of an accident with another person's vehicle	Fire, theft, vandalism, glass breakage, etc.	Optional in most states

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Insurance and Annuity products are offered through Professional Direct Agency, Inc. (may be licensed in some states as Jim Palmer, CA license #0C76773.)

All products contained within this Web site may not be offered at a Wachovia branch.