help text for coverages
Help Text for Coverages
  1. This coverage pays damages owed to others as a result of physical injuries, sickness, disease or death of any person for which the policyholder is legally liable as a result of an auto accident.

    Bodily Injury Liability coverage shows two limits. For example, 100,000/300,000. In this case, the company is liable for up to $100,000 for bodily injury damages for one person per occurrence. (Liability in excess of $100,000 for one person would not be the company's responsibility.) The second figure, refers to the maximum liability ($300,000) the company has when bodily injuries are suffered by two or more persons per occurrence.

    For example, if five persons were injured due to an insured's negligence, each one having suffered $75,000 of bodily injury damages, a total of $375,000 (75,000 x 5) has to be raised to pay the judgment in full. American Family is limited to $300,000 for this occurrence, so the insured would be liable for the difference.

    Bodily Injury Liability Coverage:

    • Protects the named insureds, spouse and relatives as defined in the policy.
    • Protects others driving your auto with your permission.

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  2. Please choose the Bodily Injury limits from the list provided that are closest to what you currently have.

    Bodily Injury coverage pays damages owed to others as a result of physical injuries, sickness, disease or death of any person for which the policyholder is legally liable as a result of an auto accident.

    Bodily Injury Liability Coverage:

    • Protects the named insureds, spouse and relatives as defined in the policy.
    • Protects others driving your auto with your permission.
  3. This coverage:

    1. Pays for loss or damage to your auto caused by collision or upset, regardless of who is at fault.
    2. Pays for damages when a collision does not involve another auto.
    3. Protects you against damage done in hit-and-run accidents.

    If you would like Collision Coverage included in this quote, please select the deductible desired. (Note: If you include Collision Coverage as part of your quote, you must have Comprehensive Coverage as well.) If you do not want to include Collision Coverage, please select "Not Included."

    This is only a general description of terms and available coverages, not a statement of contract.  All coverages are subject to all policy provisions and applicable endorsements.

  4. This coverage pays for accidental loss or damage to your insured auto from most causes except collision or upset. This includes loss caused by windstorm, glass breakage, fire, theft, hail, vandalism, falling objects, flood, and colliding with birds or animals. In addition, if your auto is stolen, Comprehensive Coverage provides up to $25 per day ($750 total) for transportation expenses. Transportation Expense Coverage begins 48 hours after the theft is reported to American Family Insurance and the police.

    If you would like Comprehensive Coverage included in this quote, please select the deductible desired. If you do not want Comprehensive Coverage included, please select "Not Included."

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  5. This coverage will provide benefits for each insured person up to the maximum benefits selected. For more information regarding this endorsement, contact an Agent.

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

    • This coverage changes the Family Car Policy so that, after a total loss, you can replace your vehicle with a new car of the same make, model, year and equipment as the car damaged in the loss.
    • The maximum payment is 110 percent of the original manufacturers' suggested retail price of the car that carries the coverage.
    • You must meet all of the following eligibility requirements to purchase this coverage:

    - Comprehensive and Collision coverage are required.

    - The vehicle must be a current or future model year, but can be no more than one year older than the current model year. (For example, in 2013 the eligible model years would be 2012, 2013 and 2014).

    - You must be the first owner of the car.

    - The vehicle cannot have had more than 500 miles on the odometer when you purchased it.

    - The vehicle must have been purchased within the past 14 days.

  6. If you are unable to work due to accident-related injuries, Personal Injury Protection (PIP) helps recover your lost wages.

    • If the following circumstances exist, you may waive the work loss portion of PIP coverage and receive a reduced premium:

    - Neither the named insured nor spouse received any earned income from regular employment within 31 days of applying for coverage, and

    - Neither the named insured nor spouse will receive earned income from regular employment for at least 180 days from the date the insurance is written, and during the period of insurance.

    If you choose to exclude work loss, you will be asked to sign a statement verifying that you meet the requirements listed above.

  7. This coverage pays for property damage sustained by others for which you are legally liable as a result of an auto accident. Property damage means physical damage to or destruction of tangible property, including loss of its use. The limit of coverage selected is the Company's maximum liability for all property damage resulting from one occurrence. Property Damage Liability Coverage:

    • Protects the named insureds, spouse and relatives as defined in the policy.
    • Protects others driving your auto with your permission.

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  8. This coverage pays for the rental of an auto from a car rental agency or garage, up to the limits you select, as a substitute for the auto insured while it is being repaired due to a covered loss. (This does not include costs for gasoline or mileage.)

    If you would like Rental Reimbursement coverage included in this quote, please select the coverage limit desired. If you do not want Rental Reimbursement included, please select "Not Included."

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

    • Pays for alternate transportation, lodging, and meals incurred due to a covered Comprehensive or Collision loss that happens more than 100 miles from your home
    • We will pay up to a total of $600, subject to the following per-day maximums:
    • - $50 for alternate transportation

      - $100 for lodging

      - $100 for meals

    • No deductible applies
    • Coverage ends 24 hours after your insured car or rental vehicle is repaired or replaced.
  9. This coverage reimburses the insured for damage to or destruction of the insured vehicle caused by a liable uninsured motorist.

    The descriptions contained herein are only a general description of terms and available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  10. This coverage reimburses the insured for damage to or destruction of the insured vehicle caused by a liable uninsured motorist.

    The descriptions contained herein are only a general description of terms and available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  11. In the event of a covered total loss, we will pay the difference between the unpaid amount due on your auto lease or auto installment loan and the actual cash value of your insured car. An auto installment loan is a loan through a commercial lending institution where the only collateral is your insured car; a home equity loan or a loan from a private party is not an auto installment loan.

    Comprehensive and Collision coverage is required.

    This coverage can only be added when the vehicle is first added to the schedule.

    The most we will pay under this coverage is 25% of the actual cash value of your insured car.

    No separate deductible applies for this coverage.

  12. This coverage pays for reasonable costs incurred by your insured auto while away from a service station or garage. Coverage includes:

    • Up to one hour of mechanical labor at the place your auto breaks down.
    • Towing (if your auto will not run) to the nearest place where the necessary repairs can be made.
    • Towing your auto out if it is stuck on, or immediately next to, a public road or designated parking area.
    • A jump-start or charging of the battery.
    • Delivery of gas or oil. (Emergency Roadside Service does not cover the cost of these items.)
    • Cost of labor to change a tire. (Emergency Road Service does not cover the cost of tire repair or replacement.)
    • Reasonable locksmith services if your keys are locked inside your vehicle. (Emergency Road Service does not cover the cost of replacement keys or locks.)

    If you would like Emergency Roadside Service Coverage included in this quote, please select "Included." If this coverage is not desired, select "Not Included."

    • Pays for alternate transportation, lodging, and meals incurred due to a covered Comprehensive or Collision loss that happens more than 100 miles from your home
    • We will pay up to a total of $600, subject to the following per-day maximums:
      • $50 for alternate transportation
      • $100 for lodging
      • $100 for meals
    • No deductible applies
    • Coverage ends 24 hours after your insured car or rental vehicle is repaired or replaced.
  13. This coverage provides payment for legally collectable bodily injury damages or death (but not property damage) if you, or any person riding in your auto, is injured or killed in an accident with an auto whose driver has insufficient liability coverage to cover your damages. Note, this coverage may vary from state to state.

    Please select the coverage limit desired.

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  14. This coverage provides payment for legally collectable damages for bodily injury or death (but not property damage) if you, or any person riding in your auto, is injured or killed by an at-fault uninsured auto.

    Please select the coverage limit desired.

    This is only a general description of terms and available coverages, not a statement of contract. Coverages are subject to all policy provisions and applicable endorsements.

  15. The comprehensive coverage deductible, if any, will not apply to the portion of a covered loss consisting of breakage of glass.

  16. This coverage pays for reasonable, appropriate and necessary costs, up to the limit selected, as follows:

    • Pays for appropriate and necessary medical services, up to the limit selected, for you and for others in your auto, regardless of who is at fault.
    • Covers medical and funeral expenses up to the limit selected for services performed within one year (two years in South Dakota) of an accident. Funeral expense is limited to $2,500 (except in Arizona), even if the Medical Expense limit is higher.
    • Protects you and relatives in your household who do not own or insure an auto if injured while riding in most other autos, or if struck by another auto.
    • Covers any other person riding in your auto if driven by you, a relative or any person who has permission to drive your auto.
    • Protects people riding in an auto not owned by you, if injured while the auto is being driven with permission by you or a relative in your household who does not own or insure an auto.

    NOTE: The time period for necessary services will be extended to three years (five years in Arizona) from the date of the accident, if you have at least $10,000 of Medical Expense Coverage.

    If you would like Medical Expense Coverage included in this quote, please select the coverage limit desired. If you do not want Medical Expense Coverage included, please select "Not Included."

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements

  17. OR SPECIFIC TABLE Values

    The description contained herein are only a general description of terms available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements

  18. ND SPECIFIC TABLE Values

    The description contained herein are only a general description of terms available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements

  19. KS SPECIFIC TABLE Values

    The description contained herein are only a general description of terms available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements

  20. WA SPECIFIC TABLE Values

    PIP provides benefits for an insured injured in a car-related accident, no matter who is at fault. No-fault does not cover damage to any property, such as cars.

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  21. MN SPECIFIC TABLE Values

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  22. Transportation Network Service Coverage protects you while you are operating your vehicle while running an application for a transportation network company such as Uber or Lyft, but you do not currently have a customer on-board or have not yet been matched with a potential customer by the app. Without the purchase of this coverage, there is no coverage while operating your vehicle if you are running an app provided by a transportation network company.

  23. This coverage reimburses the insured for damage to or destruction of the insured vehicle caused by an owner or operator of an uninsured or underinsured motor vehicle.

  24. Uninsured bodily injury coverage —This coverage pays for legally collectable damages for bodily injury or death (but not property damage) if you, or any person riding in your auto, is injured or killed by an at-fault uninsured auto.

    Underinsured bodily injury coverage — This coverage pays for legally collectable bodily injury damages or death (but not property damage) if you, or any person riding in your auto, is injured or killed in an accident by an auto whose driver does not have enough liability coverage for the damages.

    Please select the coverage limit desired.

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  25. Uninsured Motorist – Bodily Injury — coverage provides you and other covered persons, protection against bodily injury loss caused by a motorist that does not have insurance.

    Underinsured Motorist — Bodily Injury — coverage provides you and other covered persons, protection against bodily injury loss caused by a motorist who does not have sufficient bodily injury liability limits to cover the full amount of your loss.

    Uninsured and underinsured motor vehicle coverage protects the named insured’s resident relatives and occupants in the insured vehicle if they sustain bodily injury in an accident for which the owner or operator of a motor vehicle is legally liable and does not have insurance (uninsured) or does not have enough insurance (underinsured).

    Please select the coverage limit desired.

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  26. If you are over age 65, or, are between age 60 and 64, retired and receiving a pension, you may decline this coverage and receive a reduction on your auto insurance premium.

  27. You may elect to purchase stacking of your Personal Injury Protection (PIP) coverages for an additional charge. In the case of a covered loss, Stacking will multiply the PIP benefits you receive by the number of vehicles insured under this policy.

  28. Transportation Network Service Coverage protects you while you are operating your vehicle while running an application for a transportation network company such as Uber or Lyft, but you do not currently have a customer on-board or have not yet been matched with a potential customer by the app. Without the purchase of this coverage, there is no coverage while operating your vehicle if you are running an app provided by a transportation network company.

  29. Medical Expense Coverage includes usual and customary medical expenses and funeral services, less any applicable deductible, up to the limits of the policy, for you and others in your vehicle who are injured as a result of an auto accident, regardless of fault. It will also protect you and any relatives in your household who do not own a vehicle, if injured while riding in most other vehicles or if struck by a vehicle as a pedestrian.

    If you would like Medical Expense Coverage included in this quote, please select the deductible desired. If you do not want this coverage included, please select "Not Included."

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  30. This coverage reimburses the insured for damage to or destruction of the insured vehicle caused by a liable At-fault uninsured or underinsured motorist.

    The descriptions contained herein are only a general description of terms and available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  31. Uninsured Motorist Coverage provides protection for persons who are legally entitled to recover damages from the owner or operator of an uninsured motor vehicle. These damages include bodily injury or death and property damage losses from an auto accident.

    Uninsured Motorist Added On Coverage provides you with bodily injury and property damage coverage in excess of the liability limits of the responsible person, up to the limits you purchase.

    If you would like Uninsured Motorist Added On Coverage included in this quote, please select the coverage limit desired. If you do not want Uninsured Motorist Added On coverage included, please select "Not Included."

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  32. Uninsured Motorist Property Damage Added On Coverage is included in Uninsured Motorist Added On Coverage.

    Uninsured Motorist Property Damage Coverage provides payment for property damages a person is legally entitled to recover from the owner or operator of an uninsured motor vehicle.

    Uninsured Motorist Property Damage Added On Coverage provides you with property damage coverage in excess of the liability limits of the responsible person, up to the limits you purchase.

    If you would like Uninsured Motorist Property Damage Added On Coverage included in this quote, please select the deductible desired. If you do not want this coverage included, please select "Not Included."

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  33. Uninsured Motorist Property Damage Reduced Coverage is included in Uninsured Motorist Reduced Coverage.

    Uninsured Motorist Property Damage Coverage provides payment for property damages a person is legally entitled to recover from the owner or operator of an uninsured motor vehicle.

    Uninsured Motorist Property Damage Reduced Coverage provides property damage coverage to you at limits that are offset, or reduced by, any limits available to you from the person responsible or payments made under any other coverage of this policy.

    If you would like Uninsured Motorist Property Damage Reduced Coverage included in this quote, please select the deductible desired. If you do not want this coverage included, please select "Not Included."

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  34. Uninsured Motorist Coverage provides protection for persons who are legally entitled to recover damages from the owner or operator of an uninsured motor vehicle. These damages include bodily injury or death and property damage losses from an auto accident.

    Uninsured Motorist Reduced Coverage provides bodily injury and property damage coverage to you at limits that are offset, or reduced by, any limits available to you from the person responsible; any amounts payable to you under workers’ compensation, disability or similar laws; or payments made under any other coverage of this policy.

    If you would like Uninsured Motorist Reduced Coverage included in this quote, please select the coverage limit desired. If you do not want Uninsured Motorist Reduced Coverage included, please select "Not Included."

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  35. Your policy will not provide coverage for punitive damages awarded against you in a lawsuit, unless you choose Included to select this coverage.

    This is only a general description of terms and available coverages, not a statement of contract. Coverages are subject to all policy provisions and applicable endorsements.

  36. This coverage provides payment for legally collectible damages for bodily injury or death (but not property damage) if you, or any person riding in your auto, is injured or killed by an at-fault uninsured or underinsured auto.

    Please select the coverage limit desired.

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  37. This coverage reimburses the insured for damage to or destruction of the insured vehicle caused by an liable At-fault uninsured or underinsured motorist.

    The descriptions contained herein are only a general description of terms and available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  38. This coverage reimburses the insured for damage to or destruction of the insured vehicle caused by a liable At-fault uninsured or underinsured motorist.

    The descriptions contained herein are only a general description of terms and available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  39. If you choose Added On, your Uninsured Motorist protection will be in addition to the insurance carried by the at-fault person in an accident. For example if you carry $25,000 Property Damage for Uninsured Motorist protection and the at-fault person in an accident had $10,000 in Property Damage Liability, the total available for damages would be $35,000. If you choose Reduced, your Uninsured Motorist protection will be reduced by the amount of insurance carried by the at-fault person in an accident. For example, if you carry $25,000 Property Damage for Uninsured Motorist protection and the at-fault person in an accident had $10,000 in Property Damage Liability, the total available for damages would be $25,000 ($15,000 from your Reduced policy — your $25,000 limit reduced by the $10,000 carried by the at-fault person — and $10,000 from the at-fault person’s policy).

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.

  40. If you choose Added On, your Uninsured Motorist protection will be in addition to the insurance carried by the at-fault person in an accident. For example if you carry $100,000 Each Person Bodily Injury for Uninsured Motorist protection and the at-fault person in an accident had $50,000 in Bodily Injury Liability, the total available for damages would be $150,000. If you choose Reduced, your Uninsured Motorist protection will be reduced by the amount of insurance carried by the at-fault person in an accident. For example, if you carry $100,000 Each Person Bodily Injury for Uninsured Motorist protection and the at-fault person in an accident had $50,000 in Bodily Injury Liability, the total available for damages would be $100,000 ($50,000 from your Reduced policy — your $100,000 limit reduced by the $50,000 carried by the at-fault person — and $50,000 from the at-fault person’s policy).

    This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.