Car Insurance FAQs
Other Optional Car Insurance
Choosing the Right Coverage
You can change how much coverage you have in certain situations by adding an endorsement (rider) to your car insurance policy. Here are just a few examples.
Extra Financial Security for Your Family
The Family Protection endorsement supplements the Uninsured Motorist/Automobile coverage you already receive with your policy.It provides significant financial protection—up to the limits of your liability coverage—if you or your family members are injured or killed in an accident caused by an uninsured, underinsured or unidentified (i.e. hit and run) at-fault motorist.7
Added Protection for a New Vehicle
The Waiver of Depreciation endorsement guarantees that no depreciation will be applied to your new vehicle for 24 months.This means depreciation won’t be taken into account when a claim for covered loss or damage to your vehicle is settled.7 This endorsement also entitles you to receive Original Equipment Manufacturer (OEM) parts when your vehicle is repaired.
Alternate Transportation Benefits
The Loss of Vehicle Use endorsement can help cover the cost of alternate transportation if your vehicle is being repaired or replaced due to a covered risk.5
Forgiveness for First At-Fault Accident
The Accident Protection endorsement will help protect your good driving record and keep your premiums low.6
Satellite Program Endorsement
The Satellite Program endorsement is a comprehensive emergency roadside and driver assistance program.
Features and benefits include:
Towing
Flat tire service
Battery boost
Fuel delivery
Lockout service
Extrication/winch
(Maximum of 4 service calls and 2 trip planning services per policy term)