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Family Car Policy-Coverages
Liability Coverage
Pays for the damages (up to the liability limit chosen) for which an insured is legally liable
because of bodily injury or property damage arising out of the ownership, maintenance,
or use of a car.
Personal Injury Protection (PIP)
Pays for the damages (up to the liability limit chosen) for which an insured is legally liable
because of bodily injury or property damage arising out of the ownership, maintenance,
or use of a car.
Uninsured Motorists Coverage
Pays for damages, (up to the liability limit chosen) for bodily injury which an insured is
legally entitled to recover from the owner or operator of a uninsured motor vehicle.
Underinsured Motorists Coverage
Pays for the damages to an insured for bodily injury in excess of the amount available to
pay the insured under the policy of an underinsured driver who is legally responsible for
the insured's injury. The amount payable under this coverage cannot exceed the limit of
liability and may be reduced by any amount paid to the insured under the underinsured
driver's policy.
Medical Payments Coverage
Pays for an insured's reasonable medical expenses (up to the limit of liability chosen)
incurred within three years after the date of the accident for bodily injury suffered by the
insured while driving or riding in a car, or as a result of being sturck by a motor vehicle.
Note:We do not offer this coverage in no-fault states because Personal Injury Protection
coverage provides medical payments coverage.
Collision Coverage
Pays for the repair or replacement of an insured car (up to actual cash value) in the event
of its overturn or collision with another object.
Comprehensive Coverage
Pays for the repair or replacement of an insured car when damaged by certain other causes,
such as fire, explosion, theft, windstorm, hail, flood, or vandalism.
Both Collision Coverage and Comprehensive Coverage may be purchased with a variety
of deductibles. The deductible is the amount the insured pays. The policy pays for any covered
costs exceeding that amount. naturally, the higher the deductibles chosen the lower the
premiums for the coverages. So an insured can reduce premium costs and still be protected
against serious loss.
Family Car Policy-Discounts & Special Rates
Depending in part on their availability in your state, you may qualify for premium discounts
and special rates, including:
Multi-Car Discounts
Available to qualified drivers who insure two or more cars.
Good Student Discount
Available to qualified students between 16 and 25 who are full-time high school juniors or
seniors or are enrolled in college. (This discount is not abailable when a driver is assigned
to a pick-up truck under the policy, if the pick-up truck is already receiving a preffered rate.)
Low Milage Preferred Rate
Available to qualified drivers who drive less than 7,500 miles a year.
Pick-Up Truck Preffered Rate
Available if a qualified insured has complete year-round coverage on farm trucks but their
Winter use is limited.
Family Car Policy-Other Available Coverages
Towing and Labor
Pays for towing charges up to a certain amount when an insured's car is disabled.
Rental Reimbursement
Pays for alternate transportation up to certain limits when an insured's car is disabled.
CB Radios
Stereo Tape Decks
Accidental Death and Disability
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