Esurance Auto Insurance Glossary: P

Passive Alarm
Passive alarms are automatically activated and emit warning sounds when someone tries to get into your car. Once the passive alarm has been triggered, the system disables the automobile's starter, ignition system, and/or fuel circuit.
You may receive an auto insurance discount if your car is fitted with such an alarm.
Personal Injury Protection
Personal Injury Protection, or PIP, is a kind of auto insurance coverage available only in certain states, where it's often mandatory. PIP generally includes expanded coverage of accident-related medical costs. In some states, PIP also pays for lost wages and similar losses.
Specific protections afforded by this type of auto insurance coverage and limits on PIP payments vary widely from state to state.
Pleasure Use
If you use your car for pleasure, this means that you typically drive it for fun, with no regular commuting or business use.
Policy Expiration Date
Your auto insurance policy's expiration date is the date when auto insurance coverage ends if your auto insurance policy isn't renewed. The expiration date can be found on the declarations page of your auto insurance policy, on a proof of insurance card, or on a recent auto insurance renewal notice.
Policy Term
A policy term is the length of time an auto insurance policy is valid. Auto insurance policies from Esurance have a policy term of 6 months.
Primary Driver
The primary driver is the person who drives a car most frequently.
Primary Use
A vehicle's primary use is how the car is typically used. Auto insurance companies usually classify primary use as commuting, business/commercial, or pleasure use.
Primary Policyholder
The primary policyholder is the person who serves as the main point of contact with Esurance. Since he/she is the main point of contact, we need the primary policyholder's valid email address so that we can send account updates, auto insurance renewal notices, and other policy-related communication.
Typically, the primary policyholder is also the person billed for your auto insurance policy from Esurance. If you prefer, any other person listed on your auto insurance policy can also be billed for your auto insurance premium.
Property Damage Liability Coverage
Property damage liability coverage protects you if you are held responsible for damaging someone else's property in a car accident.
Property damage coverage helps you reimburse another person for their damaged property (such as a car, a fence, or a home). This type of auto insurance coverage also helps pay your expenses in a related lawsuit.
The amount covered by property damage liability is capped at the limit you choose when you buy your auto insurance policy.