FREQUENTLY ASKED QUESTIONS
General
You don't need anything from your other policies to get a quote. When you're ready to buy we may ask for your policy numbers. You can get policy numbers by logging into Travelers.com, or give us a call and we can look them up for you.
This website uses SSL (Secure Sockets Layer) protocol. With SSL, any information you provide is encrypted as it travels between your computer and our servers. Once we receive your information, we have physical, electronic and procedural safeguards in place to protect it.
You give us most of the information we need during the quoting process. But we also get information from consumer reporting agencies, independent reporting companies and government agencies. Some of this information is used to validate information you give us- motor vehicle violations, for example- so that we can give you a more accurate quote.
Please note insurance score is only used where permitted by law.
Many factors affect your credit based insurance score. Some common factors that can positively impact your score include:
- long-established credit history
- no late payments or past due accounts
- numerous open credit accounts in good standing
- low use of available credit
On the other hand, the following can negatively impact your insurance score:
- poor payment history or accounts in collection
- numerous past due payments
- high use of available credit
- numerous recent applications for credit
- bankruptcies
- foreclosures
Please note insurance score is only used where permitted by law.
No! Our inquiry into your credit history will appear only as an insurance inquiry, and it will not affect your credit rating.
Please note insurance score is only used where permitted by law.
Click the 'Save and Return Later' button at the bottom of the screen. We save your info for 45 days. So, once you get the info you need, you can either come back online or call us to finish your quote!
Depending on your state, there may be additional coverage options or limits available that are not shown online. To find out more, please call us and a licensed representative will talk you through any additional options that may be available to you.
Yes. Like most insurance companies, we require this information to issue an auto or property insurance policy to you.
We currently accept VISA®, MasterCard®, and American Express®
You can choose to pay monthly or pay in full. If you choose to pay monthly, a down payment is required. Mortgagee / escrow billing is also available for eligible homeowners policies.
Yes. In most cases your credit card will be charged on the same day you purchase your policy. The posting date to your statement or account may vary.
Yes. We'll send you an advance notice with your deduction date and amount. You'll have an opportunity to change the date or stop the deduction if you'd like.
To complete your purchase online, you must use a credit card in the name of an insured on the policy. If you cannot pay for your purchase online, please call us to complete your purchase.
Yes, for eligible policies you will need to provide your mortgage company address. We will contact them to coordinate the payment.
By enrolling in a Recurring Payment Plan your premium will automatically be deducted from your checking account, or charged to your credit card. This enrollment will apply to future policy terms as well. After you buy, you can choose your deduction date.
You should receive your policy within 7-10 business days from the date of purchase.
When you buy a policy from us, there are some forms you need to sign. When you select to sign electronically, you'll receive an email explaining how to sign your forms online. If you choose not to sign electronically, you'll receive forms in the mail to sign and mail back to us. Once you have signed your documents, you can access them in the future by logging into Travelers.com.
If you choose paperless policy and/or billing documents, we’ll send you an email when new documents are available for you on Travelers.com.
Consent to Rate (CTR) allows Travelers to charge a higher premium than the North Carolina Rate Bureau.
Auto
Like most insurance companies, we order consumer reports such as credit-based insurance score, motor vehicle reports, claim history reports and other consumer reports to help us underwrite and rate your policy. Even if you are only shopping for a preliminary quote, we order some these reports so that we can give you a more accurate quote. But don't worry- our inquiry will not affect your credit rating!
Please note insurance score is only used where permitted by law.
Like most insurance companies, we order consumer reports such as motor vehicle reports, claim history reports, prior carrier reports and other consumer reports to help us underwrite and rate your policy. Even if you are only shopping for a preliminary quote, we order these reports so that we can give you a more accurate quote. But don't worry- our inquiry will not affect your credit rating!
Here's more information about some of the reports we use:
Credit-based Insurance Score: is derived from information on your credit report. Typical items on your credit report that can affect your insurance score include length of credit history, payment history, number of revolving or new accounts, bankruptcies, foreclosures and other items. We do not use income, gender, address, ethnicity, religion, marital status or nationality in calculating insurance score.
Motor Vehicle Reports (MVRs): these contain information about accidents and motor vehicles violations. We order MVRs on all licensed drivers in your household.
Claim History Reports: these provide information about household claim history.
Prior Carrier Reports: these provide information about your current/prior auto insurance, including carrier name, coverage limits, whether there were any lapses, and other information.
Please note insurance score is only used where permitted by law.
Like most insurance companies, we order consumer reports such as motor vehicle reports, claim history reports, and other consumer reports to help us underwrite and rate your policy. Even if you are only shopping for a preliminary quote, we order these reports so that we can give you a more accurate quote. But don't worry - our inquiry will not affect your credit rating!
Here's more information about some of the reports we use:
Credit-based Insurance Score: is derived from information on your credit report. Typical items on your credit report that can affect your insurance score include length of credit history, payment history, number of revolving or new accounts, bankruptcies, foreclosures and other items. We do not use income, gender, address, ethnicity, religion, marital status or nationality in calculating insurance score.
Motor Vehicle Reports (MVRs): these contain information about accidents and motor vehicles violations. We order MVRs on all licensed drivers in your household.
Claim History Reports: these provide information about household claim history.
We utilize many factors in calculating your premium. Some common factors that could affect your premium include, but are not limited to:
- History of accidents and moving violations
- information about your prior carrier, including coverage limits
- insurance score
- Information about your vehicles’ history
This short list is meant only as a general example of some common factors that could affect premium. Actual information used to rate and underwrite policies varies by state.
Please note insurance score is only used where permitted by law.
We found your vehicle in vehicle registration records.
If information listed is incorrect or your vehicles are not listed, select "I have a different vehicle" from the list of vehicles provided.
Most vehicles manufactured in 1982 or later used for personal use are eligible for an online quote. Include all vehicles registered to you and your spouse or domestic partner in your online quote.
We do not currently provide online quotes for motorcycles, RVs, boats or customized vehicles. Call us to speak with a licensed insurance representative about these types of vehicles.
Most vehicles manufactured in 1982 or later used for personal use are eligible for an online quote. Include all vehicles registered to you and your spouse or domestic partner in your online quote.
We do not currently provide online quotes for RVs, or customized vehicles. Call us to speak with a licensed insurance representative about these types of vehicles.
Your VIN is typically 17 letters and numbers and can be found on your vehicle, vehicle registration or on your current automobile insurance identification card.
Your VIN is typically 17 letters and numbers and can be found on your vehicle or your vehicle registration.
You can include up to 4 vehicles and up to 6 drivers on your online quote.
By completing your auto quote on-line, you are agreeing to participate in the Travelers Certified Mileage Program. This means that third party mileage verification reports will be ordered during the quote process and at policy renewal.
If you do not wish to Opt into the Travelers Certified Mileage Program, please call us to obtain a quote in the Estimated Mileage Program.
The Certified Mileage Program uses third party reports to verify mileage.
The Estimated Mileage Program is based on the mileage the customer expects the vehicle to be driven during the 12 month period following the policy effective date.
We cannot currently provide an online quote. We may be able to provide you with a quote over the phone depending on extent of customization and the situation. If your vehicle is customized, please call us to speak with a representative.
If you do not see your vehicle listed, please call to speak to a licensed representative.
Please include all licensed relatives who live with you and anyone else who drives your vehicle(s). Children with learner's permits, and college age children living away at school, should also be included on your policy. Roommates and nannies do not need to be included unless they drive your vehicle(s).
Please include all licensed relatives who live with you and anyone else who drives your vehicle(s). College age children living away at school, should also be included on your policy. Roommates and nannies do not need to be included unless they drive your vehicle(s).
We cannot provide an online quote if you do not have a valid driver's license.
Yes. You should include any accident you were involved in regardless of fault. An accident is not just limited to a collision with another vehicle. It also includes collisions with other objects such as trees or fences.
No. You do not need to include any parking tickets in this online quote.
Bodily injury coverage pays damages for injuries or death sustained by a person in an auto accident that a covered person causes. It also provides the covered person with a legal defense. Limits of liability apply on an each accident basis. Limits appear as either a per person/per accident limit or as a per accident limit (also known as combined single limit).
If the limits are on a per person/per accident limit, the first number is the most an insurer will pay for damages to any one injured person in an accident. The second number is the most an insurer will pay for damages to all injured persons combined in any one accident. For example, if you bought a policy with bodily injury limits of $50,000/$100,000, the most your insurer would pay any one person is $50,000, and the most the insurer would pay to all injured persons combined is $100,000.
If the limit is a combined single limit, there is one limit for both bodily injury and property damage liability. The limit shown is the most an insurer will pay for damages for all injuries and all damage to property of others due to an accident.
Selecting the right limits is important. If you select limits that are too low, you put yourself at risk financially. For example, if you cause a serious injury where damages exceed your limits, you would have to pay those damages out of your own pocket.
This is meant only as a general description to help you understand bodily injury coverage and limits. It does not refer to any specific insurance policy and it does not modify the limits, terms and conditions of any policy you might purchase. To fully understand all coverages, including applicable limits and exclusions, you should read your policy carefully and discuss any questions with an insurance representative.
In general bodily injury coverage pays damages for injuries or death sustained by a person in an auto accident that a covered person causes. It also provides the covered person with a legal defense. Limits of liability apply on an each accident basis. Limits appear as a per person limit and a per accident limit. For example: $20,000 per person and $40,000 per accident. The per person limit is the most an insurer will pay for damages to any one injured person in an accident. The per accident limit is the most an insurer will pay for damages to all injured persons combined in any one accident.
Selecting the right coverage and limits is important. If you select inadequate coverage or limits that are too low, you put yourself at risk financially. For example, if you cause a serious injury where damages exceed your limits, you would have to pay those damages out of your own pocket.
In Massachusetts there are two coverages that provide bodily injury coverage. The coverages are similar in some ways and different in others. These two coverages are:
Part 1 Bodily Injury To Others; and Part 5 Optional Bodily Injury To Others Part 1 Bodily Injury To Others is one of the Massachusetts compulsory coverages. The coverage is very limited and the only limit available is $20,000 per person and $40,000 per accident. Part 5 Optional Bodily Injury To Others is one of the Massachusetts Optional coverages and broadens the coverage provided under the compulsory Part 1 Bodily Injury To Others.
Under Part 1.Bodily Injury To Others, we will pay compensatory damages to people injured or killed by your auto in Massachusetts accidents. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. We will pay only if you or someone else using your auto with your consent is legally responsible for the accident. The only limit available for Part 1 is $20,000 per person and $40,000 per accident. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page.
Among other things, under Part 1 Bodily Injury To Others we will not pay for:
- Injuries to guest occupants of your auto;
- Accidents outside of Massachusetts or in places in Massachusetts where the public has no right of access; or
- Injuries to any employees of the legally responsible person if they are entitled to workers' compensation benefits.
Under Part 5 Optional Bodily Injury To Others, we will pay compensatory damages to people injured or killed in accidents if you or a household member is legally responsible for the accident. We will also pay compensatory damages if someone else using your auto with your consent is legally responsible for the accident. The damages we will pay are amounts the injured person is entitled to collect for bodily injury though a court judgment or settlement.
There are a number of exclusions that apply to Part 5 Optional Bodily Injury To Others. However, unlike Part 1, there are no exclusions for injuries to guest occupants of your auto, simply because they are guest occupants. In addition coverage applies to accidents in places within Massachusetts where the public does not have access and to accidents that occur in other states or Canada.
The limit you purchased is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page.
If you purchase compulsory Part 1 Bodily Injury To Others and Part 5 Optional Bodily Injury To Others, the limits shown for Part 5 on the Coverage Selections Page are the total limits you will have under both Part 1 and
Part 5. This means that the Compulsory limits in Part 1 are included within the limits shown on the Coverage Selections Page for Part 5 and are not in addition to them.
This information is meant only as a general description to help you understand bodily injury coverages and available limits. It does not refer to any specific insurance policy and it does not modify the limits, terms and conditions of any policy you might purchase. To fully understand all coverages, including applicable limits and exclusions, you should read your policy carefully and discuss any questions with your insurance representative.
Yes, we display two coverage packages for your convenience, Similar and Better. Or, you can customize a policy with coverages and limits in the amounts you choose. To customize a policy, click the "Edit Coverages" link, select the coverages and limits you want and then click the "Recalculate" button.
Note, not all coverage options and limits are shown online. If you're interested in other options, call us to find out about any additional options that may be available.
Your rate may have changed based on additional information you provided to us or based on information we received from consumer and third party reports, such as driving records, claims history, vehicle history or prior carrier reports.
You should pick a date that is on or before the date your current policy expires to avoid a lapse in coverage. You can have coverage start as early as tomorrow and as far out as 60 days from the day you purchase the policy.
When you complete your purchase, your coverage will start on the 'desired policy start date' you selected.
You can purchase online by selecting "Purchase" at the bottom of the screen. Or, you can call us to purchase your policy over the phone. As a next step, there are some forms you need to sign. If you prefer to do this online choose our e-Signature option, otherwise we’ll mail forms to you.
Yes. After you complete the purchase by clicking the "Purchase" button, a policy number is assigned and you will see a message confirming that your policy has been issued successfully. You will also receive an email from Travelers confirming your purchase.
You can qualify for savings with the Digital Auto Discount when you agree to paperless delivery for billing and policy documents and register for a MyTravelers online account once you complete your purchase.
You can qualify for savings with the Digital Auto Discount when you enroll in the IntelliDrive® or IntelliDrivePlus™ program, agree to paperless delivery for billing and policy documents and register for a MyTravelers® online account once you complete your purchase.
The characteristics of your policy make you ineligible for coverage in the voluntary market; however we can cede you to the North Carolina Reinsurance Facility for liability coverage on this policy.
Automatic emergency braking systems use cameras, radar or other sensors to activate the braking system automatically in order to avoid a potential collision.
IntelliDrive ®
An additional IntelliDrive offering may be available for policies with eligible connected vehicles. If you would like to learn more, please call 1-844-256-0753.
After installing IntelliDrive on your smartphone, the app will automatically detect when you get into a vehicle and start a trip. It will collect driving information for 90 days and then determine your overall driving performance.Based on the driving performance of you and the other participating drivers on the policy, your actual adjusted insurance rate will be reflected the first time your policy renews.
After installing the IntelliDrive app on your smartphone, it will automatically detect when you get into a vehicle and start a trip. It will collect driving information for 90 days and then determine your overall driving performance. Based on the driving performance of you and the other participating drivers on the policy, your actual adjusted insurance rate will be reflected the first time your policy renews.
IntelliDrive captures information about driving habits associated with Braking, Acceleration, Speed, Time of Day, and Phone Use. After each trip, you can review a map of your route, and your driving performance to date. Collection of location data does not affect your auto insurance rate.
The IntelliDrive app captures information about driving habits associated with Braking, Acceleration, Speed, Time of Day, and Phone Use. After each trip, you can review a map of your route, and your driving performance to date. Collection of location data does not affect your auto insurance rate.
Any handheld interaction with the phone while driving is going to negatively impact your distraction score*. This includes things like in-hand phone calls, texting, typing, and tapping on the phone.
Applications that are running on your phone, but don't require you to interact with the phone, will not negatively impact the distraction score. For example, if navigation or music is running in the background and you're not engaging with it, this will not impact the distraction score.
Interacting with vehicle infotainment systems will not impact your distraction score.
The app does its best to determine whether or not you are the driver of a vehicle. If you are a passenger and the app records you as a driver, you will have 10 days to change the information in the app.
If you are not satisfied with the IntelliDrive program for any reason, you can opt out of the program at any time with no penalty other than a loss or adjustment to your Enrollment Discount. Call your regular policy service number to do so.
If you are not satisfied with the IntelliDrive program for any reason, you can opt out of the program within 90 days from enrollment with no penalty other than a loss or adjustment to your Enrollment Discount. However, if you opt out after the 90th day, your IntelliDrive score may affect your premium at your next renewal. Call your regular policy service number to do so.
If you are not satisfied with the IntelliDrive program for any reason, you can opt out of the program within 45 days from enrollment with no penalty other than a loss or adjustment to your Enrollment Discount. However, if you opt out after the 45th day, your IntelliDrive score may affect your premium at your next renewal. Call your regular policy service number to do so.
If you are not satisfied with the program for any reason, you can opt out of the program within 45 days from enrollment with no penalty other than a loss or adjustment to your Enrollment Discount. However, if you opt out after the 45th day, your score may affect your premium at your next renewal. Call your regular policy service number to do so.
IntelliDrive information for enrolled drivers is available at MyTravelers.com. We also include an informational page about IntelliDrive in your new policy package.
IntelliDrive via mobile information for enrolled drivers is available at MyTravelers.com®. We also include an informational page in your new policy package.
Each enrolled driver on your policy should download the app from a link Travelers sends them in a text message. The IntelliDrive app is also available through the app store.
Apple iPhones 4S and above are supported, but iOS 14 or newer is required. All Android phones are supported but they must contain cellular, Wi-Fi and GPS chips. Android 10 or newer is required.
Yes. Your mobile phone needs to be on, with location services and Wi-Fi enabled, for the IntelliDrive app to function most accurately.
If the app is not installed, Travelers will send reminder text messages to each driver who needs to install it. If the app is still not installed, we may remove the driver from the program. Removing a driver would affect your enrollment discount.
You can reinstall the IntelliDrive app on a new phone by searching the app store for "IntelliDrive" and following the same registration instructions. The 90-day program will resume where you left off.
The IntelliDrive app uses a negligible amount of battery when you're not driving and slightly more when you are taking a trip. Most users won't notice a significant battery difference after installing the IntelliDrive app.
The IntelliDrive app is also designed to minimize data usage. Data is transmitted using either WiFi or your data plan, depending on which network is available at the time of upload.
Contact us at: 1-888-505-1217
IntelliDrive ® 365
IntelliDrivePlus™
IntelliDrivePlus is a continuous driving program that uses a smartphone app to capture driving behavior and miles driven data, and adjusts your rate every policy term based on how and how much you drive. New Travelers customers who enroll could save on car insurance with an enrollment discount on the policy's first term. When the policy renews, safe driving behaviors can lead to savings of up to 30%, plus additional savings potential for lower mileage – while riskier driving and higher mileage can lead to higher premiums.
IntelliDrivePlus is available in 3 states: Arkansas, Nebraska, and Ohio.
After installing the IntelliDrive app on your smartphone, the app will automatically detect when you get into a vehicle and start a trip. The app will collect driving behavior and miles driven data for all drivers over the life of your policy. Your most recent driving performance and miles driven, and that of other enrolled drivers on your policy, will be used to adjust your insurance rate every time your policy renews. All eligible drivers on your policy must enroll in the IntelliDrivePlus program.
IntelliDrivePlus is designed to be more responsive to changes in how and how much you drive over time. It gives you more control over the price you pay by using your most recent driving behavior and the miles you drove in the prior term in determining your premium at each renewal.
IntelliDrivePlus captures information about your miles driven and driving behaviors associated with Braking, Acceleration, Speed, Time of Day, and Distraction. A map of your route taken during each trip, along with your driving performance to date, is available for review after each trip. Location information collected in the app is not used to determine your auto insurance rate.
Each driver's total miles driven and most recent driving performance is used to calculate your insurance premium every time your policy renews. Safe driving habits can lead to savings of up to 30%, plus additional savings potential for lower mileage – while riskier driving and higher mileage can lead to higher premiums.
Yes, each driver's app needs to capture at least 500 miles of driving during each driving performance assessment period. In addition, each driver's app needs to be on with permissions appropriately enabled for at least half of each miles driven assessment period.
If the app is not installed, Travelers will send reminder text messages to each driver who needs to install it. If the app is still not installed, we may remove all drivers from the program. Removing all drivers would affect your policy premium as your IntelliDrivePlus enrollment discount will be removed.
Yes. If you are not satisfied with the IntelliDrivePlus program for any reason, all drivers may opt-out of the program within 45 days of enrollment without impact to your policy, other than the loss of the enrollment discount. After 45 days from enrollment, driving behavior and miles driven data from all drivers may affect your policy’s premium at renewal.
Any handheld interaction with the phone while driving is going to negatively impact your distraction score. This includes things like in-hand phone calls, texting, typing, and tapping on the phone.
Applications that are running on your phone, but don't require you to interact with the phone, will not negatively impact the distraction score; for example, navigation or music running in the background that you're not engaging with.
Interacting with vehicle infotainment systems, including phone calls from a connected Bluetooth device, will not negatively impact your distraction score.
Yes. Your mobile phone needs to be on, with location services and Wi-Fi enabled, for the IntelliDrive app to function most accurately.
The app does its best to determine whether or not you are the driver of a vehicle. If you are a passenger and the app records you as a driver, you will have 10 days to change the information in the app.
Each enrolled driver on your policy should download the app from a link Travelers sends them in a text message. The IntelliDrive app is also available through the app store.
Apple iPhones 4S and above are supported, but iOS 14 or newer is required. All Android phones are supported but they must contain cellular, Wi-Fi and GPS chips. Android 10 or newer is required.
The IntelliDrive app uses a negligible amount of battery when you're not driving and slightly more when you are taking a trip. Most users won't notice a significant battery difference after installing the IntelliDrive app. The app is also designed to minimize data usage. Data is transmitted using either Wi-Fi or your data plan, depending on which network is available at the time of upload.
Property
The policy generally covers the home you want to insure (minus land) and other structures on the property for covered losses. It can also provide Additional Living Expenses Coverage, Personal Liability Coverage, Medical Payments Coverage to Others and Loss Assessment Coverage. Additional coverage options may be available to you.
The policy generally covers the personal property you own. It can also provide Additional Living Expenses Coverage, Personal Liability Coverage and Medical Payments Coverage to Others. Additional coverage options may be available to you.
The policy generally covers the Personal Property you own, as well as Property Coverage for the unit itself for which you are responsible based upon the condominium association's bylaws. It can also provide Additional Living Expenses Coverage, Personal Liability Coverage, Medical Payments Coverage to Others and Loss Assessment Coverage. Additional coverage options may be available to you.
Personal Property provides coverage for your personal items that are damaged or destroyed by a covered loss. Personal property includes items like furniture, clothes, sporting goods and electronics.
Helps protect your assets and cover defense costs if you are sued because you or your family members are responsible for causing injuries or damage to other people or their property.
Medical payments to others covers necessary medical expenses to others that are incurred by you. This does not provide coverage for you or your household residents.
Our licensed Insurance Representatives can help determine if you are eligible for additional savings. Call the phone number provided with your quote for more information.
To provide you with a more accurate preliminary quote, we obtain a credit based insurance score about you from consumer reporting agencies. We use this information to underwrite and rate your policy. Insurance score is used along with information you provide to give you a preliminary quote. We may order additional consumer reports, such as loss history, to update or renew your insurance should you purchase a policy.
Please note insurance score is only used where permitted by law.
You can purchase online by selecting "Continue to Buy" at the bottom of the screen. Or, you can call us to purchase your policy over the phone.
Travelers Homeowners and Condo policies do not cover damage caused by flood. For more information call and speak with a Travelers Licensed Insurance Representative.
Current Policy
Property Damage coverage (PD) will pay for damages to another person's property resulting from an accident where you are found to be legally responsible. The limit you select is the maximum amount that will be paid out on your behalf in any one accident. This coverage is subject to the limits, terms and conditions of your actual policy.
Under Optional Injury to Others, we will pay damages to people injured or killed by your auto in Massachusetts accidents. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. We will pay only if you or someone else using your auto with your consent is legally responsible for the accident. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is $20,000. Subject to this $20,000 limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is $40,000. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page.
Note: We will not pay for:
- For injuries to guest occupants of your auto.
- For accidents outside of Massachusetts or in places in Massachusetts where the public has no right of access.
- For injuries to any employees of the legally responsible person if they are entitled to Massachusetts workers' compensation benefits
Uninsured/Underinsured Motorists Coverage (UM/UIM) covers bodily injury to you, household relatives and passengers in your car when the injury is caused by an accident and the person who is legally responsible either has no insurance, is a hit-and-run driver, or has lower Bodily Injury Liability Coverage limits than your Uninsured Motorists Coverage limits. This coverage is subject to the limits, terms and conditions of your actual policy.
Underinsured Motorist Conversion Coverage (UIMC) is an optional coverage instead of standard UIM. It is the same coverage as standard UIM, but any payments made under conversion coverage are not reduced by payments from any other source, such as the at fault driver's liability insurance. This coverage is subject to the limits, terms and conditions of your actual policy.
Medical Payments Coverage (MED PAY) covers you, household relatives and guest passengers for injuries sustained in an auto accident, regardless of who is at fault. It also covers you if you are hit by a vehicle as a pedestrian. This coverage is subject to the limits, terms and conditions of your actual policy.
PIP (Basic Reparations Benefits) Coverage covers medical expenses, funeral expenses, work loss and survivor loss due to bodily injury as the result of an accident. This coverage is subject to a maximum limit of $5,000 for any one motor vehicle accident. This is an optional coverage and may not be purchased if you have already selected Medical Payments Coverage. This coverage is subject to the limits, terms and conditions of your actual policy.
APIP (Added Reparations Benefits) provides increased limits for payment of reparations benefits, subject to the maximum limit you have chosen for any one motor vehicle accident. Benefits include medical expenses, work loss, survivors loss and funeral expenses. This coverage is subject to the limits, terms and conditions of your actual policy.
Uninsured Motorists Property Damage (UMPD) Coverage provides protection for damage to an insured vehicle caused by someone who either has no insurance or is a hit-and-run driver. UMPD coverage is subject to a $300 deductible.
Purchasing Your Policy
We utilize many factors in calculating your premium, and a combination thereof ultimately determines your quote. This enables us to personalize an accurate quote just for you. Some common factors that could affect your premium include, but are not limited to:
- history of accidents
- infractions
- claim history
- information about your prior carrier
- coverage limits
- insurance score
This short list is meant only as a general example of some common factors that could affect premium. Actual information used to rate and underwrite policies varies by state.