Does American Family Insurance Cover Your Car Too?

American Family Insurance offers a range of auto insurance coverage options, including standard collision and comprehensive coverage, as well as additional options such as gap insurance, accidental death and dismemberment coverage, ridesharing insurance, and original equipment manufacturer coverage. They also offer various insurance discounts and have high customer satisfaction ratings. However, their services are only available in 19 states.

Comprehensive car insurance

American Family Insurance does offer comprehensive car insurance as part of its customizable car insurance coverage. The company's comprehensive coverage helps protect your car from damage that wasn't caused by a collision or rollover. This includes fire, theft, and vandalism. It also covers damage caused by hail, flooding, and collisions with animals.

Comprehensive coverage is typically required by lenders if you lease or finance your vehicle. If you own your vehicle outright, you can decide whether to purchase comprehensive coverage. It is not required by law in any state.

When deciding whether to add comprehensive coverage to your insurance policy, consider the value of your car, your personal preferences, and your financial circumstances. Comprehensive coverage could be a smart move if your car has a high cash value or if you cannot afford to repair or replace your vehicle out of pocket.

Bodily injury liability insurance

American Family Insurance offers auto insurance that includes bodily injury liability coverage. This type of insurance covers the cost of injuries to others if you are at fault for an accident. It also helps pay for legal fees if you are sued for damages. Bodily injury liability insurance is a standard feature of most auto insurance policies and is required by most states. However, it is always a good idea to ensure that your policy includes this coverage.

The amount of bodily injury liability coverage you need will depend on your state's requirements and your personal situation. Most states have a minimum bodily injury liability requirement for registering your vehicle. However, it is important to note that the state-set limit may not be sufficient for your needs. You can use a coverage calculator to determine how much coverage you may need.

Bodily injury liability limits are typically broken into two parts, represented as a "number/number" format, such as 100/300. The first number is the per-person limit, while the second number is the per-accident limit. For example, with a 100/300 limit, your insurance would pay up to $100,000 for medical expenses per person, with a maximum of $300,000 total for all injured parties in the accident.

In summary, bodily injury liability insurance is an essential component of auto insurance, providing financial protection if you are at fault for an accident that results in injuries to others. It covers various costs, including medical expenses and legal fees, and can provide peace of mind in the event of a tragic accident.

Collision insurance

American Family Insurance offers collision coverage as part of its customizable car insurance policies. The company's collision coverage helps pay for accident-related repairs or replacements, no matter who is at fault, as long as the insured meets their deductible.

Underinsured motorist coverage

American Family Insurance offers underinsured motorist coverage as part of its customizable car insurance policies. This coverage can provide financial protection if you are in an accident with a negligent driver who has some insurance but not enough to cover your injuries and damages.

Accident forgiveness

American Family Insurance offers accident forgiveness, which can be purchased or earned. To purchase accident forgiveness, you must meet certain requirements, including having no at-fault accidents or violations in the last 12 months and no more than one at-fault accident in the last three years. Alternatively, you can earn accident forgiveness for free if you switch to American Family after being claim-free for at least five years with your current insurer.

It's important to note that accident forgiveness coverage isn't endless. Typically, insurance companies will allow 1 to 3 at-fault accidents before removing the coverage from your policy, after which your premiums may rise. Additionally, accident forgiveness may not be available in certain states, and eligibility criteria can vary.

Frequently asked questions