General Info
Western National offers two personal auto products: Select Auto and Signature Auto.
See below for general information about these products.
| Western National Select Auto | Western National Signature Auto | |
|---|---|---|
| Overview | ||
| Product Description | Western National’s Select Auto is a personalized auto product tailored to meet the individual needs of policyholders. The Select Auto product rates for driving incidents, and provides coverage options for vehicle customization and unique vehicle use | The Western National Signature Auto product includes the Penalty-Free Promise®* for which we’ve long been known. One will never pay a higher rate as the result of accidents or moving violations |
| Penalty-Free Promise | Not Available - See Accident Forgiveness | Included |
| Accident Forgiveness | Available for first accident | Penalty-Free Promise included |
| New Business Eligibility | Minor incidents and accidents allowed; multiple incidents may require prior underwriting approval | No driving related incidents in three years |
| Popular Coverage Options | ||
| Roadside Assistance | Available | |
| Vehicle Customization | $1,500 included, additional limits available | $10,000 included, additional limits available |
| Pet Insurance (auto accident) | Included | |
| Car Seat Replacement | Included | |
| Rental Reimbursement | $30 per day/ $900 maximum include; additional limits available | |
| Common Loss Deductible | Included | |
| Transportation Network (Phase I & II) | Available | Not Available |
| Named Non-owner | Available | Not Available |
| Extended Non-owned | Available | |
| New Vehicle Replacement | Available | |
| Loan/Lease (GAP) | Available | |
| Minimum Liability Limits | Minimum state requirement to 500,000/500,000 split limits or 500,000 combined single limit | 100,000/300,000 to 500,000/500,000 split limit or 300,000 to 500,000 combined single limit |
| ISO Form Information | ||
| Western National has updated our current form versions and adopted the 2018 ISO Personal Auto Policy. This updated Personal Auto Program reflects the changing needs of policyholders and insurers. These revisions include modification to several forms and clarification of existing coverages as well as the introduction of new endorsements and withdrawal of some endorsements. | ||