AUTOMOBILE - ON THE ROAD PROTECTING YOU AND YOUR FAMILY - Madison Mutual Insurance
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AUTOMOBILE INSURANCE PROTECTING YOU AND YOUR FAMILY ON THE ROAD
You rely on your car to
get you from one place
to another safely.
When an accident happens, it can be unnerving.
You need an insurance company who’s there
for you and your family when you need it the
most. Madison Mutual has done exactly that for
nearly a century. We will get you back on the road
with superior auto insurance, tailored to fit your
specific needs.
WHAT IS AUTO
INSURANCE COVERAGE?
An auto insurance policy includes several
coverages to protect you against financial
catastrophe. Contact a Madison Mutual agent
about your insurance needs to be sure you have
the coverages fit for you.
WHY DO I NEED
AUTO INSURANCE?
Accidents happen. Auto insurance can help cover
vehicle repairs and medical costs. Should you
happen to be at fault in an accident, this can
also include protection for property damage or
injuries to others.
WHAT ARE MY
COVERAGE OPTIONS?
LIABILITY COVERAGE COLLISION COVERAGE
Liability coverage is mandatory in most states. ollision coverage is for accidental damages
C
There are two types of coverage: caused by a collision. This includes collision
odily Injury Liability
B with other vehicles, stationary objects, rollover
Bodily Injury Liability pays damages due to and collision while parked.
bodily injury to others when you are legally
responsible for the accident. Medical MEDICAL COVERAGE
expenses, pain and suffering, and lost
Medical Expense coverage covers medical care
wages are some examples of bodily injury
for you and your passengers, no matter which
damages. If you are sued, it also pays your
driver is at fault.
defense and court costs.
roperty Damage Liability
P
COMPREHENSIVE COVERAGE
Property Damage Liability covers the other
vehicle’s damage if you are at fault in an Comprehensive coverage covers damage to
auto accident. In some instances, this can your vehicle caused by factors other than a
include damage to other property. collision or rollover. If your vehicle is stolen,
Comprehensive can also cover expenses
involved in returning your vehicle to you.
Contact your Madison Mutual agent to find
out which coverage you need.
OPTIONAL COVERAGES
RENTAL REIMBURSEMENT COVERAGE NO-DEDUCTIBLE GLASS COVERAGE
Rental reimbursement pays for a rental car For a low fee per car, your deductible is waived on
when your vehicle is damaged as a result of a glass coverage every six months:
covered loss under your auto policy. We offer eplacement cost coverage for your
R
the following daily allowance and limits for an windshield, rear window, door window
additional premium with no deductible: or side window
$30 per day/$900 maximum overage does not apply to any lights, sunroof,
C
roof panels or mirrors
$45 per day/$1,350 maximum
$60 per day/$1,800 maximum AVAILABLE DISCOUNTS
We believe in great rates and rewarding our
24/7 ROADSIDE ASSISTANCE policyholders. Be sure to take advantage of
You’ll have peace of mind should you need it these discounts:
with our Emergency Towing and Road Service Safe Driver Discount
Coverage – 24 hours a day, seven days a week.
You’ll receive up to your limit for reasonable Good Student Discount
expenses and no applied deductible for: Anti-Theft Device Discount
Towing to the nearest facility Multicar Discount
Mechanical labor up to one hour Multi-Policy Discount
Key lock-out service Loyalty Discount
elivery of gasoline, oil, coolant or
D
loaned battery
24-HOUR CLAIMS SERVICE
As you know, anything can happen.
Madison Mutual has you covered.
Our claims service is available to you 24/7.
Just call 800-766-MMIC (6642).
DIRECT REPAIR PROGRAM
We partner with a group of pre-approved
body shops that consistently provide quality
repair and service to our policyholders.
Talk to a Madison Mutual agent to find out
which shops we work with to guarantee
these quality repairs for you.MADISON MUTUAL AUTO COVERAGE We understand how important it is to have transportation. Madison Mutual has offered our policyholders superior auto insurance for nearly a century. And, our agents will tailor your policy to fit your changing needs. Visit our website to find an agent near you at madisonmutual.com/find-an-agent or call 800-766-MMIC (6642). 222 E. Park St., Ste. 200 Edwardsville, IL 62025 618-656-3410 800-766-MMIC (6642) madisonmutual.com
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