Focus Personal Auto Edition Western National Insurance Group | Focus: Personal Auto Edition Western National now offers optional roadside assistance coverage for customers who prefer no out-of-pocket expense and 24/7 roadside service for all their vehicles insured under one policy. If your policy includes the Highway Emergency Loss Protection (HELP) endorsement for your vehicles that include physical damage coverage, you can now also add roadside assistance coverage to your vehicles that are insured for liability only. Contact your Independent Insurance Agent to learn more! New Roadside Assistance Coverage How Can I Find Out if My Vehicle is Part of a Safety Recall? In recent years, there have been several large safety recalls for vehicles, and you may have either wondered or been unable to locate whether your vehicle was included. With the National Highway Traffic Safety Administration’s (NHTSA) VIN search tool it’s now easy to find out if your vehicle is part of any recalls. Simply enter your Vehicle Identification Number (VIN), and the tool will identify any recalls in the last 15 years that still require repair. Visit https://vinrcl.safercar.gov/vin/ to search for any recalls attached to your vehicle. 00165976 Western National’s policyholder newsletter What to Know Before You “Uber” Recently, companies such as Uber, Lyft, and Sidecar – i.e., networks that allow individuals to use their own private passenger cars to provide commercial ride-for-hire services – have received a lot of press and interest as they expand across America. You may have even hired one of these companies for a ride, or considered providing rides to earn some extra money. However, before using or driving for one of these transportation network companies (TNCs), you should take special care to make sure you understand how your insurance coverage applies to the situation. Many companies’ insurance policies, including Western National’s policies, DO NOT provide coverage for policyholders or their vehicles while being made available or being used for a TNC/ride-sharing service. Although a TNC may provide coverage for some circumstances, there could be gaps between that coverage and what is provided by your Personal Auto policy. Additionally, coverage limits provided by the TNC may be lower than your Personal Auto policy. If you are considering using a TNC and want to learn more about how your coverage applies, contact your Independent Insurance Agent.
Welcome message from author
This document is posted to help you gain knowledge. Please leave a comment to let me know what you think about it! Share it to your friends and learn new things together.
Transcript
FocusPersonal Auto Edition
Western National Insurance Group | Focus: Personal Auto Edition
Western National now offers optional roadside assistance coverage for customers who prefer no out-of-pocket expense and 24/7 roadside service for all their vehicles insured under one policy. If your policy includes the Highway Emergency Loss Protection (HELP) endorsement for your vehicles that include physical damage coverage, you can now also add roadside assistance coverage to your vehicles that are insured for liability only. Contact your Independent Insurance Agent to learn more!
New Roadside Assistance Coverage
How Can I Find Out if My Vehicle is Part of a Safety Recall?
In recent years, there have been several large safety recalls for vehicles, and you may have either wondered or been unable to locate whether your vehicle was included. With the National Highway Traffic Safety Administration’s (NHTSA) VIN search tool it’s now easy to find out if your vehicle is part of any recalls. Simply enter your Vehicle Identification Number (VIN), and the tool will identify any recalls in the last 15 years that still require repair.Visit https://vinrcl.safercar.gov/vin/ to search for any recalls attached to your vehicle.
00165976
Western National’s policyholder newsletter
What to Know Before You “Uber”Recently, companies such as Uber, Lyft, and Sidecar – i.e., networks that allow
individuals to use their own private passenger cars to provide commercial
ride-for-hire services – have received a lot of press and interest as they expand
across America. You may have even hired one of these companies for a ride, or
considered providing rides to earn some extra money. However, before using or
driving for one of these transportation network companies (TNCs), you should
take special care to make sure you understand how your insurance coverage
applies to the situation.
Many companies’ insurance policies, including Western National’s policies, DO NOT provide coverage for policyholders or their vehicles while being made available or being used for a TNC/ride-sharing service. Although a TNC
may provide coverage for some circumstances, there could be gaps between
that coverage and what is provided by your Personal Auto policy. Additionally,
coverage limits provided by the TNC may be lower than your Personal Auto
policy. If you are considering using a TNC and want to learn more about how your
coverage applies, contact your Independent Insurance Agent.
Western National Insurance Group
5350 West 78th Street
Edina, Minnesota 55439
Toll Free (800) 862-6070
Twin Cities (952) 835-5350
www.wnins.com
Western National Insurance Group | Focus: Personal Auto Edition 00165976
A Golf Ball Hits My Car, Who Pays?You’ve just spent a sunny afternoon on the golf course with your friends. You’re walking towards your car reminiscing about your birdie putt on eleven, when you see it: your windshield. It’s completely unsalvageable with cracks spanning the entire width of the glass, and the guilty golf ball still lingering at the scene of the crime. Your head swivels around searching for someone to blame, but your eyes keep coming back to that golf ball staring up at you from the pavement.
In situations like this, you’re unlikely to find the person who hit the golf ball; more often than not, golfers have moved on and don’t even realize that they’ve hit something that caused damage. What do you do? Who pays for a brand new windshield?
If you have purchased physical damage coverage for your car, the cost to replace your broken windshield is likely covered by your Personal Auto policy. Physical damage coverage is broken down into two parts: “Collision” and “Other than Collision”. Damage to a windshield that is not due to a collision is covered under “Other than Collision”. (Other incidents that would be considered “Other than Collision” include theft and vandalism, fire, floodwaters, and storm damage.) Although a deductible applies to most physical damage claims, many policies reduce or eliminate deductibles for windshield damage.
Check your policy or contact your Independent Insurance Agent for specific information on your coverage, and the next time you’re pulling into your favorite golf course, try to park far away. Accidents can always happen!
Pay your bill on Western National’s
mobile app.
Download it today!
How Can I Find a Safe Booster Seat For My Child? For years, Western National’s Personal Auto insurance policies have included car seat coverage as part of your Collision or Other Than Collision coverage. This means that if you’re in an accident that’s covered by your policy, we will pay, without application of a deductible, the reasonable cost to replace any child safety seat damaged in the accident.
If you’re wondering how to find a safe booster seat for your child, the Insurance Institute for Highway Safety (IIHS) recently released their 2015 ratings for new booster seat models. Twenty-three models were released, and twenty of the booster seats received the highest rating of “BEST BET”. The other three booster seat models received the next-best rating of “GOOD BET”. You can learn more at www.iihs.org.
Source: Insurance Institute for Highway Safety (www.iihs.org)
Related Documents
