Company News

Multi Protection Guard Endorsement Expanded for Personal Auto Policy!

Some Interesting and Helpful Enhancements!

Hastings Mutual has enhanced the free, money-saving Multi Protection Guard (MPG) endorsement!

- Pet Injury Coverage - This coverage has been enhanced to offer a limit of $1,000 per animal, $2,000 per incident for procedures or medications prescribed by a veterinarian should the insured's cat or dog be injured in an accident while riding in a covered auto.

- Pet Accidental Death Benefit - This is a benefit of $250 should the insured's cat or dog die as a result of injuries sustained while riding in a covered auto.

- Car Damage Replacement Cost Coverage for New Autos Only - A Replacement Hybrid Upgrade option is available! Insured can choose to upgrade to a hybrid vehicle of the same model year, make, and model in the event of a total loss to their covered auto, subject to eligibility requirements under this coverage.

- Theft of a GPS System - A $250 benefit will be provided for the peril of theft of a GPS system from a covered auto, with evidence of forced entry. Eligible GPS systems include, but are not limited to, systems marketed by Garmin, Magellan, and Tom Tom.

These new coverage enhancements are on top of a great MPG endorsement that is automatically included free of charge on every Hastings Mutual Personal Auto Policy.

What else does the MPG endorsement include?

-  Travel Interruption - Away from home more than 100 miles? If your travel is interrupted due to a covered loss, there is some relief for the possibly substantial expenses that you may incur!

Auto Loan/Lease Coverage - This is a great coverage for autos with outstanding loans or autos that are leased. If there is a total loss to your covered auto, the financial penalty to you should be reduced considerably.

Questions? Please contact your Hastings Mutual agent for assistance.



Hastings Mutual Partners with Identity Theft 911 to Provide Identity Fraud Advocacy Services!

Identity Resolution and Life Stages Services Free to All Homeowners, Farmowners, and Manufactured Homeowners Policyholders!

Hastings Mutual Insurance Company has teamed up with Identity Theft 911, a leading provider of identity management solutions, to provide its policyholders with proactive identity theft services and on-demand access to fraud specialists. Hastings Mutual is offering these services free of charge to all Homeowners, Farmowners, and Manufactured Homeowners policyholders (excluding partnerships and corporations).

The Federal Trade commission (FTC) says that identity theft is the fastest growing crime in America, topping the FTC's list of consumer complaints for seven consecutive years. Victims don't just suffer a loss of time and money from the crime, according to the FTC's latest Identity Theft Survey Report, victims have also reported getting harassed by debt collectors, having to make repeated credit corrections, being rejected for loans, and having banking and insurance problems.

"When the opportunity arose to provide our policyholders with a valuable service, the Identity Protection Program, we did not hesitate to move forward," stated Charles Johnson, vice President of Marketing for Hastings Mutual. "We are thrilled to partner with Identity Theft 911 is this endeavor, and have complete confidence that we're providing our customers with the best, setting Hastings Mutual apart from our many competitors."

"Many victims are overwhelmed after being hit by identity theft," said Matt Cullina, CEO of Identity Theft 911. "Hastings Mutual recognized the critical need for one-on-one victim advocacy, and we're happy to provide their policyholders with our Life Stages services."

Identity Theft 911 Life Stages
The Life Stages program addresses the particular vulnerabilities to one's identity when they relocate, travel, want to protect a minor's identity, are deployed in the military, lose a loved one, or experience a disaster. In particular with Identity Travel Services, a traveler's personal advocate works with family and friends to send emergency funds through secure channels, while working with the victim to protect financial, credit and identity data-- securing access to bank, credit union, brokerage, and credit card accounts and credit files and obtaining any needed documentation.

Identity Theft 911 Resolution Services
If a policyholder becomes a victim of identity theft, an advocate will guide them through the entire process of restoring their identity. Identity Theft 911's Resolution Service includes:

   [] Unlimited one-on-one access to an expert personal advocate
   [] Fraud alerts placed with all three credit bureaus and a review of credit reports
   [] Assistance in preparing the Fraud Victim Affidavit and documents
   [] Assistance in notifying all relevant businesses, agencies, and institutions
   [] Assistance in replacing checks, credit cards and debit cards
   [] A full year of credit monitoring, fraud monitoring and follow-up after resolution
   [] All services apply to immediate family members

In addition to identity theft resolution services, Hastings Mutual Insurance policyholders will have access to Identity Theft 911's educational material through a dedicated website:
http://hastingsmutual-idtheft.com

About Hastings Mutual Insurance Company
Hastings Mutual is a regional Property Casualty insurance company operating in five Midwestern states. The company, based in Hastings, Michigan, has been writing commercial, farm , and personal lines business through independent agents since 1885.

About Identity Theft 911
Identity Theft 911 is an industry leader in identity management, providing innovative, enterprise-level fraud solutions and consumer education to Fortune 500 companies, many of America's largest insurance companies and corporate benefit providers, and a wide spectrum of financial institutions, colleges, and universities. More than 12 million households are enrolled in Identity Theft 911's comprehensive identity management programs. For more information, call 480-355-8500 or visit www.identitytheft911.com.


About Hastings Mutual Insurance Company

Hastings Mutual is a regional Property Casualty insurance company operating in five midwestern states. The company, based in Hastings, Michigan, has been writing commercial, farm, and personal lines business through independent agents since 1885.

Hastings Mutual is represented by over 900 independent agencies in the Midwest.

Hastings Mutual has been protecting its policyholders since 1885.

Hastings Mutual is financially sound, with assets exceeding $617 million as of 12-31-07.

A.M. Best, a leading insurance company rating organization, rates Hastings Mutual A+ Superior.


Hastings Mutual’s Past and Future

In 1880, and again in 1882, tornadoes tore through parts of the small community of Hastings, Michigan, destroying over $225,000 worth of property. At the time, this amount was nearly 500 times the cost of a new home. D.W. Rogers, a local farmer, took action. At his request, his brother, state legislator Jeremiah Rogers, sponsored a bill legalizing the formation of windstorm insurance companies in Michigan, which became law in February of 1885.

On April 5, 1885, the Hastings-based Michigan Mutual Tornado, Cyclone and Windstorm Insurance Company was incorporated. By 1908, "The Windstorm Company" had grown from 160 to 43,000 policyholders, sharing $74,000,000 of insurance in force. At the end of 1925 the company was the second largest mutual windstorm insurance company in the world. Prosperity continued through the 1930's, 40's and 50's, even during the Great Depression.

On January 15, 1959, "The Windstorm Company" formally reorganized as a general, non-assessable mutual known as Hastings Mutual Insurance Company. Insurance policy documents weighing almost four tons had to be rewritten to facilitate the change.

For well over 100 years, Hastings Mutual Insurance Company has had an outstanding reputation based on good customer service and needed insurance products, backed by sound company finances. We are indeed proud of our past and look forward to a progressive future of serving you!


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