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Elite Driver Policy
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Good Drivers Deserve a Break
A re you a careful and re-
sponsible driver? Then
Grinnell Select wants to
Uninsured Motorists
Most states require drivers have some liability insur-
ance, but not all drivers comply. Uninsured motorists
reward your efforts with our coverage protects you and other people specified in your
Elite driver program. policy if injured by a driver without insurance or by a
If you qualify for our Elite hit and run driver. This coverage also protects you and
program, we will provide resident relatives as pedestrians from uninsured drivers.
our best coverage at very attractive rates. Grinnell Underinsured Motorists
Select’s coverages and rates are hard to beat! This coverage pays you and other people specified in
your policy for bodily injury caused by a driver with
How Do I Qualify? some liability insurance, but not enough insurance to
pay for all the damages you are legally entitled to collect.
• Do all principal drivers in your household have driv- Medical Services Expenses
ing experience in the U.S.? With the rising cost of hospital and medical care, this
• Are you between the ages of 21 and 75? coverage can be very important. Coverage is provided for
• Do your household members have no more than one you and your passengers for medical expenses resulting
minor moving violation in the past three years? from an accident. This coverage is different from bodily
• Are your vehicles only used primarily for personal injury liability because it pays for you and your passen-
use? gers’ injuries.
If you answered yes to these questions, chances are you
qualify for the Elite Program. Here are the major cover-
ages under the policy.
Car Damage Coverages
Other Than Collision
Liability Coverages This portion of the policy covers most damage to your
car with the exception of collision, mechanical break-
Other Than Collision down, road damage to tires, freezing, wear and tear and
Bodily Injury electrical failures. Damage must be direct and acciden-
This important coverage protects you in the event you tal and not fall within a limited list of policy exclusions.
are found liable for monetary damages, such as hospital A partial list of covered damages would include fire,
and medical expenses. This is particularly important if theft, explosion, earthquake, windstorm, hail, water,
several people are injured. flood, malicious mischief or vandalism, or collision with
Property Damage an animal.
This coverage protects you from financial loss up to your Collision
policy limits for damage to the property of others result- Collision coverage pays for
ing from an accident for which you are responsible. damage to your car caused
Damage to another person’s vehicle or property such as by a collision with another
buildings, mailboxes or fences, etc. are covered under car or object. It pays for
this portion of the policy. repair costs even when you
With skyrocketing vehicle and medical costs, it is often cause the accident up to the
wise to purchase higher limits of bodily injury and prop- value of your car at the time
erty damage liability coverages. of the accident, minus your
deductible.
Combined Single Limit Of Liability
In some states, bodily injury and property damage may
be combined into a single limit of coverage. This single
limit may be used to pay any combination of bodily in-
jury or property damage liability claims.
Elite Driver Policy, continued
Popular Additional Coverages Auto Flex Rating
Towing and Labor Costs Responsibility pays off! Grinnell Mutual’s Auto-Flex rat-
If your car is disabled from a covered loss, this cover- ing program provides lower rates for insureds who have
age will pay for the cost of towing and any on-site labor a favorable financial and driving history.
required for your vehicle. Ask your Grinnell Mutual agent for details.
This coverage is available only when you purchase Not
Caused By Collision coverage.
Other Policies Available
Rental Reimbursement
If your vehicle is stolen or disabled from a • Recreational Vehicle
covered loss, your base policy will pay $20 per day to- • FarMate
ward a rental car for up to 30 days, subject to a waiting • Farm-Guard Liability
period. • Rented Dwelling
• Personal Excess Liability
Higher limits per day are available. • Wide variety of small business
Electronic Equipment insurance packages
This coverage provides coverage for permanently-in- Ask your Grinnell Mutual agent for more information
stalled electronic equipment in your vehicle on a sched- on our full range of insurance products to protect your
uled basis, without a deductible. Also extends coverage family.
for $200 in tapes or CDs.
Non-Owned for Named Individuals This brochure provides a basic description of this product.
Excess coverage for named persons while using non- These summarized coverage descriptions are intended for
reference and do not include policy conditions, exclusions or
owned vehicles, such as company cars. limitations. For a complete description of the policy
Trailer - Camper Body Endorsement features, consult your Grinnell Mutual agent.
Provides coverage for recreational campers and utility
trailers.
Antique Auto Endorsement
Reduced rates for antique autos used soley for parades,
fairs, and exhibits.
Joint Ownership
Provides coverage for non-resident relatives or resident
relatives other than husband and wife.
Discounts
Good customers should be rewarded!
Check with your Grinnell Select agent to see if you
qualify for one or more of these discounts.
• Anniversary Discount
• Anti-Lock Brakes Discount
• Anti-Theft Discount
• Auto/Home Discount
• Excess Vehicle Discount
• Good Student Discount
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• Multi-Car Discount
Agency Information
• Paid-in-Full Discount PRINT FORM
• Passive Restraint Discount
