Most states require that motor vehicle owners carry automobile insurance. The financial impact of not having automobile insurance could be devastating.
If you live in Vermont, New Hampshire or Maine, or you have vehicles that are registered and garaged in one of these states, you may be eligible for a Union Mutual of Vermont Companies Personal Automobile policy. Contact your local independent agent for more information
The Personal Automobile Policy covers:
- Liability coverage for bodily injury and property damage for which you are legally responsible
- Medical Payments for bodily injury caused by an accident, to you or family members that reside with you
- Uninsured Motorist Coverage will cover you in the event that you or family members that reside with you are injured or your property is damaged due to a driver that does not have auto liability insurance
- Underinsured Motorist Coverage will cover you in the event that you or family members that reside with you are injured or your property is damaged due to a driver that has automobile liability limits less that what you currently carry.
*Coverage for damage to your automobile includes:
- Collision: Covers accidental loss to your insured vehicle due to a collision with another object (i.e. another vehicle, tree, etc.)
- Comprehensive: Covers accidental loss to your insured vehicle that is not caused by a collision (i.e. fire, theft, hail etc.)
- Towing and Labor: Covers costs for labor performed and towing your vehicle when your vehicle becomes disabled
- Rental Reimbursement: Covers costs to rent a vehicle if your insured vehicle is involved in an accident, or is stolen. Comprehensive or Collision coverage must be provided by your policy
*Coverage for damage to your automobile is optional
Union Mutual of Vermont Companies offers coverage for several different vehicle types:
- Personal Passenger Autos (including vans/trucks not over 10,000 lbs)
- Classic Autos
- Customized Autos
- Antique Autos
- Motor Homes
- Recreational Trailers/Campers
- Utility Trailers
- Horse Trailers
Along with this, we offer endorsements to tailor the Automobile Policy to meet your specific needs. Contact your local independent agent for more information
Discounts and Credits:
We offer a number of ways to save money on your insurance. Below are some of the discounts and credits that we offer:
- Multi-Car discount: Applied when more than one vehicle is insured on your policy
- Company Car Discount: An insured owner of one personal automobile is eligible for this discount if a non-owned company car is provided on a full-time basis
- Deductible Credits: Higher Collision and Comprehensive deductibles will lower your premium. There are many deductible options available, up to a maximum of $2,500
- Home and Auto Discount: A discount is applied to your policy when both your auto and home policies are written with Union Mutual Companies
- Customer Loyalty Discount: A discount is given at each policy renewal (renewal credit)
- Responsible Youthful Driver Discount: Available for eligible youthful operators between the ages of 16-21
- Good Student Credit: Available for full time students under the age of 25 that meet certain academic criteria
- Driver Education Credit: Available for eligible youthful operators who have completed a Driver Education program
- Student Away at School Credit: Eligible students must be at least 100 miles away from home without a vehicle
Credits for vehicle safety features:
- Anti-theft
- Anti-lock braking
- Passive Restraint (Seatbelts & Airbags)
Contact your local independent agent about these and other discounts that you may be eligible for.
