Personal Automobile

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.

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.

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

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

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

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

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.

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

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.

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

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.