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Personal Automobile Policy
As an owner of a private passenger auto, obtaining a
Personal Auto Policy may be one of the most important financial decisions you make. Many
people underestimate the importance of adequate Auto Liability Coverage. You may never
have been involved in an auto accident. Or you may feel you can handle the cost of
replacing or repairing your vehicle should you be involved in a minor accident.
However, as the costs of vehicles continues to rise, and more importantly, as medical
costs continue to soar, just one accident involving significant property damage and
injuries to your passengers and/or others has the potential to be financially devastating.
Despite the fact that most states require motor vehicle owners to maintain auto liability
coverage, many drivers are not insured. Many purchase only the minimum limits required by
their state. Should such a driver cause injury to you, without sufficient Uninsured /
Underinsured Motorists Coverage, you could face significant "out-of-pocket"
medical expenses. |
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MMG Insurance Company provides a comprehensive, competitively priced Personal
Auto Policy. We offer a wide range of Liability and Uninsured / Underinsured Motorist
limits as well as an aggressive credit structure for those selecting higher physical
damage deductibles. This program has been designed to cover a wide range of Personal Auto
exposures including exceptional rates for the safe, experience driver as
well as forgiveness features for those with minor incidents on their driving record.
Multiple tiering on one policy allows MMG Insurance Company to cover all of your eligible personal
autos together - with pricing distinctions for each operator and vehicle. This unique
pricing mechanism provides a competitive and fair rate for each driver and vehicle in your
household. One bill and one policy adds convenience and savings to the equation. Combine
your Personal Auto with another MMG Insurance Company policy and the convenience and savings are
even greater! Our Portfolio packaging concept allows for one,
flexible bill for the entire account and aggressive Portfolio Credits for eligible
policies within the package.
Program Features Include: |
Premium Saving Credits Include: |
Auto Liability Coverage - limits options up to $500,000
(Limits above this amount can be attained by the broad coverage provided by a Personal Umbrella Policy of $1,000,000 or $2,000,000).
Uninsured / Underinsured Motorists Coverage – limits options up to
$500,000.
Medical Payments Coverage – limits options up to $25,000.
Deductible options and credits. Worthwhile savings with an aggressive
credit structure.
Multiple Tiering – One Policy. Competitive, fair rates for each
individual operator. Substantial savings for safe, experienced drivers. The convenience of
one policy, one bill, aggressive multi-car and account credits. |
 | Safe Driver Credit |
| Portfolio Credit |
| Multi-Car Credit |
| Good Student Credit |
| Driver’s Education Credit |
| Passive Restraint (seatbelt/airbags) Credit |
| Anti-lock Brake Credit |
| Low Mileage / Pleasure Use Discount |
| Student Away at College Discount |
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Optional Coverage:
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Contact your local Independent
Insurance Agent to design a Personal Auto Policy that appropriately addresses your
individual needs. MMG Insurance Company offers many optional endorsements to tailor your policy
such as:
Miscellaneous Type Vehicles: Motor Homes & Camper Trailers
These forms can be attached to your Personal Auto Policy to include a
motor home or camper trailer in the definition of "your covered auto". Coverage
may be purchased for both liability and physical damage.
Auto Loan /Lease Coverage: Designed to cover the gap that
may exist between the amount owed under a lease or loan on a current model year vehicle
and the actual cash value (ACV) of that vehicle in the event of a covered total loss.
Customizing Equipment Coverage: Designed to provide
coverage for vehicle customization such as special painting or murals, special carpeting,
sleeping facilities, height-extending roofs, vehicle lifts, and other specialized vehicle
features.
Rental Reimbursement Expense: Can be used to increase the basic
rental coverage provided by the policy.
Coverage for Tapes, Records, or Other Devices: Provides
for coverage of tapes, CDs, and other devices use with the sound reproduction equipment
that are owned by you or a family member. |
Contact your local Independent
Insurance Agent to learn if MMG Insurance Company’s Personal Automobile Program is right
for you.
| The program features
and coverage described throughout this site are in the broadest and most general terms. It
is our intention to provide a summary of the product and/or examples of available options.
Contractual coverage is stated in the actual forms and endorsements attached to
individualized policies. Some coverages may be subject to policy limitations, exclusions
and/or conditions. Specific policy language supercedes any and all representations
contained in this site. For specific coverage details and policy exclusions, refer to the
MMG Insurance Company Policy or contact your local Independent Insurance Agency. |
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