Coverage for Damage to Your Auto
This is a general summary of your coverage only. It is not intended to be relied upon as
legal advice. Please consult your auto policy for actual policy language.
Summary: Comprehensive and collision coverages, along with transportation expense
coverage, are designed to get your vehicle back to the condition it was in before the
accident with as little interruption in your normal routine as possible. Different
deductibles can apply to comprehensive and collision.
Agreement: The insurance company will pay direct and accidental damages to your
covered auto or any non-owned auto (defined below), minus any applicable deductible
shown in the declarations. Mechanical problems that appear after an accident are
normally not considered direct damage.
Non-Owned Auto is defined as any private passenger auto, pickup, van or trailer not
owned by or furnished or available for the regular use of you or any family member while
in the custody of or being operated by you or any family member. Also includes any auto
or trailer you do not own while used as a temporary substitute for your covered auto
which is out of normal use because of its breakdown, repair, servicing, loss or
Transportation Expenses: In addition to coverages above, the company will pay for
temporary transportation expenses incurred by you in the event of a comprehensive or
collision loss to your covered auto, up to $20 per day, maximum $600 (unless higher
limits shown on your declarations). Coverage begins after the auto is withdrawn from use
for more than 24 hours (48 hours for theft). Payment is limited to the period of time
reasonably required to repair or replace the damaged auto.
Exclusions to the Agreement: The insurance company will not pay for
-Damage due and confined to wear and tear, freezing, mechanical or electrical
breakdown or failure or road damage to tires.
-Loss to tapes, records, discs or other media (unless your policy is endorsed to cover
-Loss to equipment designed or used for the detection or location of radar or laser
-Loss to any electronic equipment that receives or transmits audio, visual or data
signals and any accessories (unless your policy is endorsed to cover those items)
Note: This does not include electronic equipment necessary for the normal
operation of the auto or a permanently installed telephone.
-Loss to a trailer or motor home you own which is not shown in the declarations,
including facilities or equipment. Non-owned trailers are covered up to $500
-Loss to any custom furnishings or equipment in or upon any pickup or van which
-Loss to your covered auto or any non-owned auto due to diminution in value
-Loss exceeding $1,000 to equipment designed solely for the reproduction of sound
and any accessories which are installed in locations not used by the manufacturer.
*Please note: For a complete listing of exclusions and exact wording, please see your
Limits of Liability: The company will pay the lesser of the actual cash value of the
stolen or damaged property or the amount necessary to repair or replace the property with
other property of like kind and quality, less any applicable deductible. Like kind and
quality parts can include original equipment new parts, original equipment used parts or
aftermarket new parts.
Arbitration: If the insurance company and an insured do not agree as to entitlement to
recover damages or the amount of damages recoverable that matter may be arbitrated.
Both parties must agree and each choose an arbitrator, who together will then choose a
third arbitrator. Each party will pay their own expenses as well as split evenly the
expenses of the third arbitrator. Arbitration will take place in the county in which the
insured lives. The decision reached by two of the arbitrators will be binding.