- 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 getting 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. In case of death to the insured or a 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.
- Uninsured Motorist - This coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.
- Underinsured Motorist - This coverage allows you to recover bodily injury damages 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 (for vehicles with a gross vehicle weight of 15,000 pounds or less).
- Additional Expense Coverage... Provides protection for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverages. These expenses include rental cars, food, lodging and other incidental expenses.
- "Broadened Coverage for Named Individuals"... Extends coverage for non-owned vehicles to named individuals.
- Hired Auto Liability Coverage... Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.
- Hired Auto Physical Damage... Provides coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insured's business, and may be insured for Comprehensive and Collision Coverages up to $100,000 per vehicle.
- Employer's Non-Ownership Liability... Provides coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.
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 vehicle is purchased new, if it is a private passenger automobile.
- Private passenger rental vehicles are covered if our policy insures you as an individual entity and our policy insures private passenger autos, and the private passenger rental vehicle is not for your regular use. The coverages extended to the private passenger 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.
- Convenient payment options including Electronic Funds Transfer (EFT).