Personal Automobile Plus Package
Not only are our independent auto insurance specialists highly regarded for their personalized approach to customer service, but also for their knowledge of the variety of coverage options available.
Personal Automobile Plus provides additional auto insurance coverage for a variety of losses. To determine if the Personal Automobile Plus package is the correct option for you, your family, and your assets – contact one of our independent Auto-Owners insurance agents in your area today!
Package Features
- Trip Interruption Coverage: Provides up to $500 for expenses resulting from a vehicle disabled more than 100 miles from your home as a result of mechanical breakdown or a covered loss.
- Cellular Phone or 2-Way Communication Device Coverage: This type of auto insurance coverage protects you from financial loss in the event that a mobile phone, GPS system, or related communication device is stolen or damaged by providing up to $500.
- Increased Transportation Cost Coverage: If your vehicle becomes disabled, this covers $100 of the expenses for transportation from where your vehicle was disabled to your intended destination.
- Non-Owned Trailer Physical Damage Coverage: For non-owned trailers, this coverage provides up to $1,000 for damages.
- Supplementary Payments Coverage: For each occurrence of the need for bail bonds as the result of an accident or traffic law violation, $500 is provided as well as up to $250 per day to cover any loss of earnings and expenses.
- Identity Theft Expense Coverage: In the event of identity theft, Identity Theft Expense Coverage from Auto-Owners provides up to $15,000, for expenses related to restoring your identity.
- Personal Property Coverage: If a theft or attempted theft results in loss or damage to personal property contained in your vehicle, this type of auto insurance coverage provides up to $500 to cover losses.
- Automobile Stereo, Video & Media Coverage: Should your car stereo or video device be stolen or damaged, this coverage provides up to $1,000. A maximum $200 is available to cover the loss of DVDs, CDs, or other related items.
- Rental Automobile Gap Coverage: Provides auto insurance coverage in the event that a rental company decides to sell a damaged vehicle without making repairs. If the vehicle is repaired, this coverage will pay for the perceived loss in market value for the vehicle.
- Loss of Use by Theft Coverage: If your automobile is stolen, you will receive up to $50 per day or up to $1,500 for each occurrence to cover temporary transportation costs.
- Re-Key Coverage: If your keys are stolen and the theft is promptly reported to the police, Re-Key Coverage provides up to $250 to have the lock system in your vehicle replaced.
- Deductible Amendatory: If your vehicle and attached trailer are in a collision with a vehicle not owned by you or a relative and not insured by us, we will apply only the highest deductible. Your Collision deductible will be waived if your vehicle or attached trailer is involved in a collision with another automobile insured by Auto-Owners.
In order to be eligible for the Personal Automobile Plus Package, a minimum of one private passenger automobile or motorcycle must be insured for Bodily Injury Liability, Property Damage Liability, and Comprehensive and/or Collision Coverage. Find an independent agency near you to learn more about the Personal Automobile Plus Package and other auto insurance coverage features from Auto-Owners.