Personal Auto Insurance
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Description
EMC's personal auto policy protects you, your family and your car—all at an affordable cost. Our personal auto insurance offers coverage for:
- Liability (includes bodily injury and property damage)
- Medical payments
- Personal injury
- Uninsured/Underinsured motorists
- Uninsured motorists property damage
- Collision
- Other than collision (comprehensive)
- Towing
- Optional limits transportation expenses
- Increased limits for excess sound reproducing equipment
- Audio, visual and data electronic equipment
- Tapes, records or other media
- Auto loan/lease
- New vehicle replacement
- Original equipment manufacturer (OEM) parts coverage
Personal Lines Advantage
When you insure both your home and auto with EMC, you benefit from these additional free coverages:
- Single (Highest) Deductible—Applies if both auto and home are involved in the same loss
- Pet Medical—Covers up to $500 for domestic cats or dogs that are injured or killed due to a covered loss in either the home or the car; no deductible applies
- Emergency Lockout Coverage—Pays up to $200 for reasonable expenses incurred for services needed to gain entry into a covered auto or residence premises if keys have been stolen or disabled, or if locked in the covered auto or residence; no deductible applies
Premium Discounts
EMC offers several discounts* that can make a significant difference in your auto insurance premium:
- Bonus Renewal Plan—Available if you insure your auto with EMC for three consecutive years; waives surcharges for your first at-fault accident
- Combination Policy Discount—Available when you insure both your auto and home with EMC
- Multi-Car Discount—Available if you insure more than one auto under the same policy
- Electronic Funds Transfer (EFT)—Available to policyholders who elect to have their direct-billed policies paid monthly by EFT
- Accident-Free Discount—Rewards you for a good driving record
- Additional Discounts
- Defensive driving discount
- Good student discount
- Antitheft device discount
- Passive restraints discount
- Antilock braking system discount
- Senior operator accident prevention course
* Policy premium discounts may vary by territory.
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Personal Auto Insurance
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