Agent Portal: State Auto: Protection Plus Auto

Included

Auto Contract Medical Payment Amendment Provisions Supplementary Payments Cancellation Provision Premier Endorsement

Bodily Injury and Property Damage Liability

Available single limits for BI: 100,200,300,500.
Available split limits for BI: 30/60, 50/100, 250/500, 500/500.
Available limits for PD: 25,50,100,250,500.
Bail Bonds: $250
Loss of earnings due to settlement: $200 a day.

Additional Coverage

If the insured has a State Auto home policy, one deductible applies to the incident if both the home and auto are affected. Highest deductible applies.
Access to State Auto Connect.
Accident Forgiveness: Must be with State Auto for 3 years with no accidents in the past 35 Months when the discount is applied.
Violation Forgiveness: Must be with State Auto for 1 years with no violations in the past 35 months when the discount is applied.
AUTOXtended Premier Coverage: (Only available with protection plus package)
- Bail Bonds: $500
- Coverage for first aid at the time of accident.
- $200 for reasonable expenses for attorney’s fees.
- Waiver of Collision deductible: The other driver is a StateAuto customer or the other drive is at fault for the incident. Deductible waived for a total loss.
- Waiver of Comprehensive deductible: Waived after a total loss or if the other driver is not insured.
- Waiver of uninsured motorist’s property damage deductible.
- Customizing Equipment: $1,500
- Personal Effects: $500 that covers damage from fire or lighting.
- Pet Coverage: $750 that covers the expense for your pet if they are injured during an accident. No deductible.
- Cellular Phone – actual cash value loss settlement up to $1,000. Also covers other electronics for theft and damage. No deductible.
- Global Positioning Systems – actual cash value loss settlement up to $1,000. No deductible.
- Rented Vehicle Coverage: Covers damage to a rented vehicle up to the policy limits.
- Increased Transportation Expenses Coverage: $20 per day/$600 Maximum. Added on top of the limits in the policy if this coverage is included.
- Locksmith Services: $500
- Emergency Travel Expense: $600 to cover lodging, meals, and transportation back to your home.
- Emergency Ambulance Expense: $25,000 to cover ambulance ride from scene of accident.
- Total Disability wage loss – $200 per week/ maximum 52 weeks for disability after an accident.
- Death Indemnity: $50,000 per insured/ $100,000 per accident.

Optional Coverage

Medical Payments	Covers insured’s medical expenses. Available limits: $1,000/$5,000/$10,000/$25,000/$50,000/$100,000. Not available if PIP is selected.
Personal Injury Protection	Covers medical expenses, funeral expenses, and loss of wages after an incident. Available Limits: $2,500/$5,000/$10,000/$25,000/$50,000. Not available if Medical Payments is selected.
Uninsured motorist bodily injury and property damage.	Covers the insured for property damage an bodily injury if they are not at-fault and the other party does not have insurance. Also, if the other party is uninsured or after a hit and run. Available limits for BI: Single Limits: 60,85,100,200,300,500. Split Limits: 30/60, 50/100, 100/300, 250/500, 500/500. Available limits for PD: 25,50,85,100,200,250,300,500.
Comprehensive Coverage	Transportation expenses of 20/600 included. Covered against: Missiles or falling objects; Fire; Theft or larceny; Explosion or earthquake; Windstorm; Hail, water or flood; Malicious mischief or vandalism; Riot or civil commotion; Contact with bird or animal; Breakage of glass. Available limits: $100/$250/$500/$1,000/$2,500/$5,000.
Collision Coverage	Available limits: $250/500/$1,000/$2,500/$5,000.
Auto Loan/ Lease Coverage	· Pays for the difference from what is owed on the loan and the settlement from State Auto after a total loss.
Auto Replacement Cost – Total Loss Plus (Plus and Premier only)	· Does not apply when the vehicle is older than 2 years.
Roadside Assistance Coverage	· Can be 15 miles or 100 miles. Can pay for extraction if stuck, delivery of supplies, battery jump start, changing tires, lockout services up to $100. 8 maximum claims per year.
Custom Equipment Coverage	· $1,500 included already with AUTOXtended endorsement. · Available limits: $1000/$2000/$3000/$4000/$5000.
Extended Non-Owned Coverage	· Extends the coverage from the policy to vehicles the insured does not own.
Full Safety Glass Coverage (Plus and Premier only)	· Waives the comprehensive deductible if the glass on the vehicle needs to be completely replaced.
Named Non-Owned Coverage:	· Extends the coverage from the policy to vehicles the insured does not owned. Must be a named driver.
Transportation Expenses Coverage	· Available limits: 30/900, 50/1500, 75/2250, 100/3000. · Not available with named non-owner policy.
Original Equipment Manufacturer parts coverage (Plus and Premier only)	· Provides repair or replacement of property with the same kind and quality.
Named Driver Exclusion	· Drivers can be excluded from coverage on the policy.
Auto Death Indemnity and Total Disability Coverage	· Available Auto Death Limits: $5,000/$10,000. Weekly limit of liability for total disability is $60 with a $200 week maximum.

Discounts

Accident Prevention Course Discount	Must be at least 21 years old and proof must be provided (Certificate). Does not apply if it is a court ordered.
Anti-Theft Device	Available per vehicle.
Driver Training	Under the age of 21 and proof is required.
Good Student	Must be between the age of 16 and 24. ‘B’ average or higher required. Must provide proof.
Multi-Car	Must have two or more vehicles on the policy.
Paid in Full Discount	Available if you pay your policy in full.
State Auto Start Up Factor	Available if the policy is quoted early and they have been with current carrier for a while.
State Auto Safety 360	Usage based insurance program with State Auto. Connect the car computer.

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