LIABILITY COVERAGE BODILY INJURY LIABILITY PROTECTION:
Provides coverage if you or a covered person are legally liable in an auto accident in which other people are injured or killed.

PROPERTY DAMAGE LIABILITY PROTECTION:
Provides coverage if you or a covered person are legally liable in an auto accident for damage to another person’s property.

PERSONAL INJURY PROTECTION (PIP) Provides coverage for your bodily injuries resulting from an auto accident. This would include reasonable medical expenses such as doctor, hospital, surgical, nursing, and funeral expenses.

Provides coverage for your loss of income or replacement of household services normally performed without pay

PIP protects you, family members, and any other person occupying your car with your permission.

(Mandatory Coverage Unless Rejected In Writing)

UNINSURED/UNDERINSURED MOTORIST COVERAGE

Provides coverage for you, a covered family member, or any other person occupying your vehicle that sustains bodily injuries caused by an uninsured motorist that is legally liable, or a motorist whose insurance limits are not adequate. Also pays for damage to your property, subject to a $250 deductible.

(Mandatory Coverage Unless Rejected In Writing)

COLLISION

Provides coverage for damage to your auto resulting from accidental loss caused by upset or collision with another object, up to the actual cash value, less your deductible.

OTHER THAN COLLISION

Provides coverage for damage to your auto resulting from accidental loss except when caused by upset or collision with another object, up to the actual cash value, less your deductible. Includes damage from fire, theft, windstorm, hail, water or flood, vandalism, animals, and glass breakage.

CUSTOMIZE YOUR GERMANIA AUTO POLICY WITH ADDITIONAL COVERAGES:

TOWING AND LABOR
Provides up to $40,$80 or $120 per disablement for towing and labor costs.

RENTAL REIMBURSEMENT
Provides $20, $25, $30 or $35 per day, for auto rental charges while your auto is being repaired for insured damage.

DEATH INDEMNITY
Provides $5000 or $10,000 per named person in the event of their death due to an auto accident

TOTAL DISABILITY
Provides up to $60 per week to a maximum of 200 weeks, per named person, in the event of their total disability due to auto accident.

SOUND EQUIPMENT
Provides Collision and other than Collision coverage for described CB radios, two-way mobile radios, car phones, scanners, stereos and radios, not permanently installed in the dash or console.

SPECIAL DISCOUNTS YOU MAY QUALIFY FOR!

MULTI-CAR DISCOUNT
Available if you have more that one qualifying auto insured on a Germania policy.

DEFENSIVE DRIVING DISCOUNT
Provides a 10% savings on liability, PIP or medical payments, and collision coverage has completed a driver training course.

DRIVER TRAINING DISCOUNT
Provides a 10% savings on liability, PIP or medical payments, and collision coverage when a male driver under age 25 or an unmarried female under age 21 completes a driver education course.

PASSIVE RESTRAINT DISCOUNT
Provides up to 30%savings on PIP or medical payments when an auto is equipped with factory installed air bags or a passive restraint system.

ANTI-THEFT DISCOUNT
Provides up to 30% savings on Other Than Collision coverage when a vehicle is equipped with a qualifying anti-theft device.

COMPANION POLICY DISCOUNT
Provides 5% savings on liability, PIP or medical payments, OTC, and collision when you insure your owner-occupied dwelling with Germaina.

MATURE DRIVER DISCOUNT
Provides a 10% savings on liability, PIP or medical payments OTC and collision when the principal operator of a vehicle is between the ages of 50 and 64.