General Information

Subject List
Product Description Penalty-Free Promise Accident Forgiveness New Business Eligibility Roadside Assistance Vehicle Customization Pet Insurance (Auto Accident) Car Seat Replacement Rental Reimbursement Common Loss Deductible Transportation Network (Phase I and II) Named Nonowner Extended Non-Owned New Vehicle Replacement Loan / Lease (GAP) Minimum Liability Limits ISO Form Information

	Overview
	Umialik Insurance Select Auto	Umialik Insurance Signature Auto
Product Description	Umialik’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 Umialik Insurance Signature Auto product includes the Penalty-Free Promise for which we've long been known for. 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 included; additional limits available
Common Loss Deductible	Included
Transportation Network (Phase I and II)	Available	Not Available
Named Nonowner	Available	Not Available
Extended Non-Owned	Available
New Vehicle Replacement	Available
Loan / Lease (GAP)	Available
Minimum Liability Limits	Minimum state requirements to $500,000/$500,000 split limits or $500,000 combined single limit. UI/UIM up to $2,000,000 available, contact Underwriting.	$100,000/$300,000 to $500,000/$500,000 split limit or $300,000 to $500,000 combined single limit. UI/UIM up to $2,000,000 available, contact Underwriting.
ISO Form Information
Umialik Insurance 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.