PRIVATE CAR INSURANCE

Insurance is about choice, and that includes your car insurance. While purchasing your basic autopac ($500 deductible and $200,000 liability) is mandatory, you can buy your other coverages through private insurers.

We can also provide coverage for travel trailers and motorhomes. Our private insurance options offer competitive & affordable premiums, convenient payment options and prompt claim settlements.

Coverage Options

• Collision/Upset
• Comprehensive (including Road Hazard Glass)
• Collision/Upset and Comprehensive deductibles can be different
• Third-Party Liability limits up to $5,000,000 available (including U.S. exposure for private passenger & farm vehicles) which also covers “downtime” on rented vehicles
• Rental car protection may be included
• Loss of Use coverage available
• Value Plus Endorsement available on new vehicles

Lay Up Coverage

• Year-round protection for collision/upset, comprehensive and third-party liability coverage
• No need to advise when the vehicle goes into temporary storage Deductible Waiver Clause

Deductible Waiver Clause
No deductible applies to:

• Collision with a bird or animal
• Fire
• Lightning
• Theft of the entire vehicle
• Vandalism when reported to the police
• Hail Damage – if the $50 comprehensive deductible option is purchased
• Glass Damage – if the windshield can be repaired rather than replaced
• Paintless dent repairs