Insurance companies offer a variety of special coverages for their auto insurance programs, such as accident forgiveness. These insurance policy enhancements differ among companies, and while the type of coverage may be similar in name, the specific details and eligibility requirements vary among companies.
Some enhancements may be included automatically with some policies at no additional charge or can be purchased as an endorsement.*
Accident Forgiveness & Other Options for Better Protection
Various special enhancements are available and briefly outlined below. If you’re interested in adding any of these to your policy, please contact us to request a quote for additional protection and specific details.
Accident Forgiveness
Suppose you have an at-fault accident while driving your vehicle. In that case, an accident forgiveness enhancement forgives the additional premium assessed due to the driver’s merit rating points change, which can be significant. Accident forgiveness is subject to specific eligibility requirements and limitations, which vary among insurance companies that offer this feature.
Disappearing Deductible
This enhancement reduces the deductible you’ve chosen to pay on a claim. The amount of the reduction is based on how long you’ve been with the insurance company and how long you’ve had a clean driving record.
New Vehicle Replacement Cost
If you drive a new vehicle and it is totaled in an accident, this enhancement covers the cost to replace your vehicle even if it is determined that the book value is less than the replacement cost. This can be a valuable feature because a new vehicle’s value tends to depreciate quickly.
Auto Loan/Lease Gap Coverage
This option provides coverage to pay off any unpaid balance on your loan or lease if your vehicle is totaled and its value is less than the car loan. This coverage is different from the new vehicle replacement cost.
Extended Road Travel Coverage
If you are traveling far from home and have a covered accident or breakdown, this coverage can pay for extra travel expenses you incur.
Expanded Original Equipment Manufacturer (OEM) Parts Coverage
If you have a covered loss on your vehicle, this provides expanded coverage to get original manufacturer parts to repair your vehicle.
Pet Injury Related to an Accident
Provides for medical treatment costs if your pet is riding with you in your vehicle and is injured in an accident.
Personal Belongings Coverage
Provides coverage for specific personal property in your vehicle if damaged in an accident or stolen and does not involve a deductible.
Enhanced Substitute Transportation
This feature increases the substitute transportation coverage limits you have purchased on your policy.
Use of Other Auto Endorsement
An auto policy does not cover the regular use of a non-owned vehicle. By adding this endorsement, you are covered by your policy when routinely driving a company car or other non-owned. This can be important if the vehicle you’re driving has lower coverage limits than your policy.
Named Non-Owner Endorsement
Suppose you don’t own a personal vehicle. In that case, this covers you and other listed family members when operating a non-owned vehicle, such as a company car or borrowed or rental vehicle.
*NOTE: This information is only a general description of the available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Some coverage may be subject to individual insureds meeting underwriting qualifications and to availability within a state. For further information, Contact Us at Murphy Insurance Agency.
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