Important Information About Automobile Insurance

Just like with property insurance, insurance companies each have their own automobile policy forms and endorsements. For this reason, be sure to review your policy paying particular attention to limits, conditions, definitions and exclusions.

Be sure all autos and drivers are listed on your proposal. Company Cars or vehicles furnished for your regular use should be disclosed.

If you have an owned automobile that is used by someone who is not a member of your household, coverage may be limited. An example would be your auto used by your child that no longer lives in your home.

Each insurance company addresses coverage for rental cars differently.

Optional Automobile Coverages

• Agreed Value/Value Lock on Automobiles
• Loan & Lease Gap Coverage on Autos
• Replacement Cost Coverage on Newer Autos
• Full Glass Coverage
• Towing and Roadside Service
• Lock Replacement & Coverage for Keys
• Rental Reimbursement
• Transportation Expenses
• Fire, Police, Rescue & Ambulance
• Service Charge Coverage
• Electronic Equipment Coverage
• Personal Effects Coverage
• Airbag Replacement Coverage
• Waiver of Deductibles in Certain Collision Losses
• Guaranteed Repairs
• Worldwide Coverage for Rented or Borrowed Vehicles
• Betterment Coverage
• OEM Parts (Original Equipment Manufacturer Parts)
• Carjacking
• Vehicle Identity Theft/Fraudulent Title Coverage
• Custom Equipment or Other Equipment for Pickups, Vans & SUVs
• Camper Shell
• Death and Indemnity Coverage

Potential Discounts – Automobile

• Alarm/Anti Theft Systems
• Air Bags
• Anti-Lock Brakes
• Children Away at School With or Without Auto
• Garaging Locations
• Use of Vehicles
• Mileage To and From Work/School Carpool
• Defensive Driving Courses
• Good Student Discount