Auto Policy

A simple auto insurance plan

Available coverages:

Coverage is available through the United States and Canada. When traveling in Mexico, it is recommended that you purchase licensed Mexican insurance.

Liability - Provides bodily injury and property damage to others when you are legally liable for an accident. The cost to defend is extended in the event of a lawsuit. Includes: First aid expenses.

Medical Payments - Covers reasonable medical payments or funeral expenses to each occupant of an insured auto as a result of an accident.

Comprehensive Coverage - Pays direct and accidental loss not caused by a collision or rollover.

Includes (with no deductible):

• Windshield chip repair

• Emergency roadside services, including towing and lockout services up to $100 per occurrence.

• If your vehicle is stolen, we will pay $50 per day, up to $500 per occurrence, for a rental vehicle.

Collision Coverage - Pays for loss to an insured vehicle when it is hit by, or hits, another vehicle or object or rolls over.

All Comprehensive/Collision Coverages include:

• Up to $200 for personal property in the vehicle if a covered loss occurs.

• Towing costs and debris cleanup associated with a covered loss.

Uninsured Motorist & Underinsured Motorist - Provides bodily injury coverage to an insured when injured as a result of an uninsured motorist's negligence, or when the other vehicle does not have high enough limits to cover the injuries caused by negligence.

Optional Coverages:

Special Equipment Coverage - If you have a special paint job, stereos or equipment that you have added, or saddlebags and chrome on your motorcycle, additional coverage may be available.

Accidental Death and Dismemberment - This endorsement provides limits of up to either $5,000 or $10,000 in the event of a covered accident or injury.

Driving Government Vehicles or Driving Other Cars - If you drive a government or company vehicle and have personal use of this vehicle, you may need to add this endorsement to make sure you are properly covered in the event of an accident.

Rental Expenses - This coverage provides rental expenses in the even of a covered loss for $50 per day, up to $500 per accident, when your vehicle is damaged.

Additional Living Expenses - This coverage provides payments of $75 per day, up to $300 per disablement. The coverage applies when you are more than 100 miles away from home and involved in a covered accident. No additional deductible applies for this coverage.

Increased Limits for Permissive Users -

Extends the full policy liability limits to a named permissive driver who regularly operates your vehicles.

Replacement Cost - Extends the cost for a new vehicle if your vehicle is five years old or newer and is totaled as a result of an accident.

Contact your local agent for additional information about out Auto Policy.