Optional Coverage Endorsements Select Auto & Signature Auto
| Subject | Endorsement Name and Form Number | Select Auto | Signature Auto |
|---|---|---|---|
| Accident Forgiveness | Accident Forgiveness PP CW 0004 |
First surchargeable accident paid by Western National in the three year experience period will not be surcharged for rated and experienced drivers 25 and over | Our Penalty-Free Promise assures you will never receive an increase in premium due to accidents. Automatically included in Signature Auto |
| Additional Insured | Additional Insured – Lessor PP 03 19 |
Names lessor as an additional insured | |
| Additional Insured – Lessor PP 03 19 |
Names a person or organization that is included as an “insured” for liability coverages; no additional coverage is provided by attaching this form; it’s purpose is to list the party and provide them documentation | ||
| Joint Ownership Coverage PP 03 34 |
Provides coverage for a vehicle jointly owned by two or more 1) resident relatives 2) resident individuals or 3) nonresident relatives, including a nonresident spouse. | ||
| Trust Endorsement PP 13 03 |
To be added when an owned vehicle is in the name of a trust rather than an individual | ||
| Additional Residents | Additional Residents of Your Household PP 33 37 |
Coverage for non-family household members such as significant others, live-in nannies or roommates who are not named insureds | |
| Combined Single Limit Policy | Single Limit Liability PP 03 09 (IA, SD, WI) PP 03 99 (MN) |
One limit for Bodily Injury and Property Damage of sublimits for per person/accident and property damage. Limits of 100,000, 200,000, 300,000, 500,000 | One limit for Bodily Injury and Property Damage of sublimits for per person/accident and property damage. Limits of 300,000 or 500,000 |
| Customization | Custom Equipment Coverage Endorsement (Signature Auto) PPCW0016 04 21 Excess Custom Equipment Coverage PP 03 18 (Select) |
Automatically includes $1500 of custom equipment. Additional coverage can be purchased. | Automatically includes $10,000 of custom equipment. Additional coverage can be purchased. |
| Electronic Equipment & Media | Excess Electronic Equipment Coverage PP 03 13 |
After factory installation of speakers or sound system and navigation and internet systems; and/or $200 coverage for tapes, records, discs, other media | |
| Gap Coverage | Auto Loan/Lease Coverage PP 03 35 |
Coverage if loan or lease balance is greater than the value of the vehicle; coverage must be added within 30 days of leasing or financing a vehicle | |
| Glass | Full Safety Glass Coverage PP 33 05 |
No deductible for glass coverage | |
| Government Business Usage | Federal Employees Using Autos In Government Business PP 03 01 |
Limits who is considered an insured under Part A when a vehicle is used in government business (e.g., rural mail carrier) | |
| Key Replacement | Key Replacement And Related Service Charges PP 33 27 |
Provides up to $500 for you or family member for key or key fob replacement and programming due to lost or stolen keys | |
| Mexico Coverage | Mexico Coverage PP 03 21 |
Extends coverage for vehicles insured on the policy for accidents occurring in Mexico on a trip of 10 days or less and within 25 miles of U.S. border. Contact underwriting to add coverage | |
| Named Non Owner | Named Non Owner Coverage PP 03 22 PP 03 50 (WI) |
Provides coverage for an individual who does not own an auto but drives borrowed or rented autos. May be extended to spouse and resident relatives. | Not available |
| Extended NonOwned Coverage – Vehicles Furnished Or Available For Regular Use PP 03 06 |
Provides liability and medical coverage for insured and family members when also operating non-owned autos | ||
| New Vehicle Replacement | New Vehicle Replacement Cost Coverage PPCW0002 04 21 |
Modifies loss settlement in case of total loss to replacement cost for new vehicles; vehicle must be less than two years old; less than 24,000 miles; value less than $70,000; must request coverage within 30 days of vehicle purchase or upon issue of new business if replacing a policy that included the coverage | |
| Pet Injury | Pet Injury Coverage PP 33 311 |
$500 of coverage is provided for reasonable veterinary costs and expenses incurred for the treatment or death of domestic dogs and cats owned by the policyholder or a family member and arising from a collision involving a covered auto. Limits of $1,000 or $2,000 available | |
| Personal Property Coverage | Personal Property PP 33 42 IA PP 33 64 MN PP 33 52 SD PP 33 87 WI |
Worldwide coverage for personal property owned by named insured or spouse with limits of $5,000 or $10,000. Choose replacement cost coverage or ACV $500 deductible | |
| Rental Reimbursement | Optional Limits Transportation Expenses Coverage PP 03 02 |
$30 per day/ $900 maximum included; increased limits of $40/$1200, $50/$1500, and $75/$2250 are available while vehicle is out of service due to a covered loss; | |
| Roadside Assistance | Roadside Assistance Plus WN PP 55 |
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| Roadside Assistance WN PP 27 |
Limited to $150
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| Stated Amount Coverage | Coverage For Damage To Your Auto (Maximum Limit Of Liability) PP 03 08 |
Provides physical damage coverage for older vehicles on an ACV basis up to limit on dec page. | |
| Towing and Labor | Towing And Labor Costs Coverage PP 03 03 |
Pays for towing and labor costs when the insured’s vehicle is disable. Available limits include $25, $50, $75, $100, $150, $200, and $250; Available only for vehicles with Liability and Other Than Collision coverages. |
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| Transportation Network Driver | Limited Transportation Network Coverage (No Passenger) PP 23 45 PP 23 87 (MN) |
Provides coverage for transportation network driver for time period starting when driver logs into platform and ending when a driver accepts a request through the network to transport a passenger. (Phase 1 only) | Not available |
| Transportation Network Coverage (No Passenger) PP 23 41 PP 23 86 (MN) |
Provides coverage for transportation network driver from time period starting when driver logs into platform and ending when a passenger has entered the vehicle. (Phase 1 & 2) | Not available | |
| Trip Interruption | Trip Interruption Coverage PP 13 02 |
Lodging and food expenses when insured vehicle becomes inoperable for more than 24 hours and over 100 miles from home covered up to $600 | |