Program Features
Western National offers a Personal Auto product that includes many unique benefits at no additional charge, including:
Penalty-Free Promise® *
All of our policies come with our unique Penalty-Free Promise. Policy premium is never increased as a result of accidents and / or violations.
Common Loss Deductible
Customers that incur damage to property covered under more than one Western National personal lines policy pay only the highest applicable deductible.
Customizing
Exclusions for customizing contained in many personal auto policies have been removed from the Western National Personal Auto policy. With this change, customizing include handicap accessible equipment, pick up toppers, and canopies are covered. TV antennas, awnings, cabanas, and custom painting are also covered.
Pet Insurance
Coverage is provided for reasonable veterinarian costs and expenses incurred for the treatment or death of domestic dogs and cats owned by the policyholder or a family member, arising from a collision involving a covered auto. Limits of $500 per pet and $1,500 total apply per collision.
Temporary Transportation Expense
$30 per day / $900 maximum is automatically included.
Car Seat Replacement
Coverage is provided for the reasonable cost to replace any child seat damaged in an accident paid under Other Than Collision or Collision coverage. No deductible applies to this coverage.
Collision with Another Western National Customer
In the event of a collision with another vehicle that is also insured by Western National, no deductible will apply.
Western National offers many optional coverages and premium discounts to meet the needs of today’s insurance consumer. Examples of some popular options include:
Roadside Assistance Coverage
Coverage provided includes towing, lockout service, delivery of automotive supplies, battery service, and flat tire service up to $150 per occurrence.
New Vehicle Replacement Coverage
Coverage is available for new vehicles without deduction for depreciation.
Accident Forgiveness
All Western National policies include the Penalty-Free Promise* at no additional charge. Policyholders are never surcharged for accidents or violations.
* “Penalty-Free” means your rates are never increased due to tickets or accidents. Initial and ongoing eligibility for coverage not guaranteed. Coverage not available in every state.