Personal Automobile

Merchants Flexible Choice Auto® includes many coverage options and money saving discounts. With the flexibility of this coverage, you can tailor your policy to meet your needs.

Some of the included coverages Merchants provides for your auto include:

Liability Insurance

Bodily Injury and Property Damage Liability are included under the liability portion of your auto policy. Bodily Injury Liability helps pay for injuries another person may suffer from an accident you caused. Property Damage Liability will cover the damage you cause to another person’s property while driving.

Uninsured and Underinsured Motorist Coverage

This coverage helps protect you should the other motorist involved in the accident not have auto insurance or sufficient auto insurance to cover damages done to you.

Comprehensive Insurance

Covers your vehicle from damage by theft, hail, fire or vandalism.

Collision Coverage

Covers you when involved in an accident or if you hit an object such as a fence. This helps repair or replace your vehicle.

Medical Payments

Covers you and the passengers of your vehicle should you become injured.

In addition to our standard coverages, optional coverages include:

Trip Coverage/Emergency Lodging Coverage

This coverage will provide you with emergency lodging when more than 50 miles from home while waiting for necessary repairs from a covered loss.

Replacement Cost Coverage

An ideal coverage for newer vehicles. In the event of a loss your vehicle will be repaired or replaced at today’s prices versus an actual cash value.

Original Equipment Manufacturers (OEM) Coverage

In the case of damage to your vehicle, the replacement parts will be original factory equipment.

Accidental Air Bag Deployment Coverage

We will cover the cost of reinstalling an air bag if the air bag deploys without the auto being involved in a collision or other-than-collision occurrence.

Collision Deductible Waiver Coverage

This applies when your vehicle is hit while parked. Damage must exceed the collision deductible.

Merchants Personal Auto Roadside Assistance

This program is an optional coverage for personal auto policyholders in New York and provides you with services 24 hours a day, 7 days a week such as:

  • Towing
  • Battery jump
  • Flat tire
  • Fuel, oil, fluid or water delivery
  • Lockout assistance

To use this program you must call 1-866-328-5771 for service.

Assistance obtained through any source other than through the service number is not covered and is not reimbursable.

Money savings discounts are also available for:

  • Company Car Discount
  • Safety Equipment
  • Anti-Theft Devices
  • Good Student Discount
  • Driver Training Education
  • Defensive Driver Course
  • Paid in Full
  • Multiple Policy Discounts
Payment Options