What is covered under an Automobile policy?

The automobile policy provides protection for the following: (subject to the limits under your policy)

• Bodily Injury Liability - Protection for damages that involve bodily injury to others for which you become responsible under law.
• Property Damage Liability - Protection for damage to property of others for which you become responsible under law.

• Medical Payments - Protection for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while gettting into or out of your automobile.
• Personal Injury Protection - Protection for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member, death benefits and survivor benefits, if applicable, will be provided.
  
  

What additional coverages are available?

These additional coverages are available: (subject to the limits under your policy)

• Comprehensive - Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.
• Collision - Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.
• Unisured Motorist - This coverage allows you to recover bodily injury due to an accident where the other party is found legally liable and does not have adequate liability limits.
• Road Trouble Service - Provides protection for expenses incurred if your automobile fails to operate.
• Additional Expense Coverage - Provides protection for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensiveor collision coverages. These expenses include rental cars, food, lodging, and other incidental expenses.
• "Drive other cars" coverage extension - May be purchased to provide bodily injury liability and property damage liability coverages when operating a private passenger automobile furnished for regular use for business purposes.
  
  

*note - coverages or discounts may not apply in all states. Some exclusions and limitations may apply.

What Extra Features Are Available?

Every automobile policy includes many extra features, such as:

• Coverage is provided when traveling in the United States, Canada or Mexico.
• There is no depreciation taken when a total loss occurs within 90 days from the time a car is purchased new.
• Rental vehicles are covered if our policy insures you as an individual and our policy insures private passenger autos, and the rental vehicle is not for your regular use. The coverages extended to the rental vehicle will be the same as those provided on your insured vehicle.
• Any damage to your car caused by collision with an animal or bird will be paid under either comprehensive or collision coverage, whichever coverage pays you the most.
• Those vehicles that have historically shown lower repair costs when involved in an accident receive premium savings on comprehensive and collision coverages.

In Addition...

Several other optional features can be added to your auto policy, such as:

• Additional coverage for leased vehicles may be added to your policy to provide limits in excess of the actual cash value. This coverage applies if your lease agreement makes you liable for an amount greater than the actual cash value of the car at the time of a covered theft or total loss.
• Additional coverage for newly titled vehicles may be added to your policy to provide limits in excess of the actual cash value. This coverage applies if your loan amount makes you liable for an amount greater than the actual cash value of the car at the time of a covered theft or total loss.
• Utility trailers, vacation trailers and camper bodies may be covered for physical damage.
• Motor homes, antique automobiles, motorcycles and recreational vehicles may be covered for both liability and physical damage.
• Coverage is available on personal property stolen from your car (evidence of forcible entry required) or damaged in a collision.
• Coverage for permanently attached mobile car phones may be added to your policy.

Please contact us for more information on a disability policy. Call an agent at 888-942-5361, send us an email or fill out a quote request online!