Auto Insurance

Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Broad Form/License/ID Named Driver Coverage

Insure Yourself Instead of Your Cars

Under certain circumstances, it is more economical for drivers to purchase liability coverage on themselves, rather than on their cars.

With our Broad Form Named Driver Endorsement:

• You are covered for liability while driving all cars you own without having to list them on your policy and without having to pay additional premium for each one.
• You are also covered for liability while driving cars owned by someone else with permission.
• Flexible policy terms and payment options are available.

Physical damage to any car you are driving is not covered when this endorsement is on your Dairyland Auto Policy.

Some examples of coverages you may still purchase, if available in your state, include:

• Uninsured Motorists
• Underinsured Motorists
• Personal Injury Protection
• Medical Payments

Formulario De Conductor Nombrado

Asegúrese usted en lugar de asegurar sus vehículos

Bajo determinadas circunstancias, es más económico que los conductores compren cobertura de responsabilidad civil para ellos mismos, que para sus vehículos.

Con nuestro Endoso de la cláusula adicional de responsabilidad civil del conductor:

• Usted tiene cobertura de responsabilidad civil mientras conduce todos los vehículos que posee, sin tener que enumerarlos en su póliza y sin tener que pagar una prima adicional por cada uno de ellos.
• También tiene cobertura de responsabilidad civil cuando conduce el vehículo de alguien más, con autorización.
• Términos de pólizas flexibles y opciones de pago estan disponibles.

El daño material a cualquier vehículo que conduzca no está cubierto cuando este endoso se encuentra en su póliza de vehículo de Dairyland.

Algunos ejemplos de las coberturas que aún puede adquirir, si están disponibles en su estado, incluyen:

• Automovilistas sin seguro
• Automovilistas con seguro insuficiente
• Protección contra lesiones personales
• Gastos médicos