This endorsement can be used to add an unrelated resident of your household as a family member.
Add this coverage when another person is jointly titled, along with the insured, on one of the vehicles.
Insured drivers are covered, even when logged into a “transportation network platform” (until they accept a passenger).
Need repairs due to a covered loss more than 100 miles from home? We’ll cover up to $600 for meals, lodging and transportation.
Commercial Rented Vehicles
We’ll pay for loss of use, diminished value, and reasonable fees and charges you legally have to pay if there’s direct and accidental damage to a vehicle you’re renting.
Pet Injury Coverage/Accidental Death Benefit
We offer protection for animals injured or deceased in an accident.
Key Replacement and Related Services
We’ll pay to replace and program your key or key fob(s) if they are lost or stolen.
Child Restraint System Coverage
The cost to replace a child restraint system will be covered up to $400 in event of a loss.
(This optional coverage can be added for an addtional fee.)
Emergency Fluid Delivery
If your vehicle is out of gas, oil, water, or other fluids, a service provider will deliver enough fluid to get to a service station. The cost of the fluid is up to you.
Need to swap a flat with that spare tire in your trunk? This coverage gets a service provider out to make the change. You’ll need to provide the tire.
If your private passenger auto breaks down, a service provider will tow the vehicle to a destination of your choice, within a 10-mile radius of the point of disablement. If the destination of your choice is not within a 10-mile radius, the vehicle will be towed to our nearest authorized repair facility.
Minor Mechanical First Aid
Your coverage includes the fixes you need to get your vehicle started and to a repair shop, like replacing a broken hose or belt. You’ll need to pay for materials.
Find your independent insurance agent close to home. Get a quote on your auto coverage.
When I got my driver’s license at 16, I remember a feeling of freedom. It would be a while before I owned a car, but now at least I had the opportunity to go where I wanted when I wanted. It’s a feeling you never want to give up — even when where you’re going is just to work, school, or the grocery store.
But there’s a responsibility that comes with driving: being safe on the road. Paying attention to traffic signals, other drivers, bike riders, and pedestrians is a necessity. So is not driving while under the influence of alcohol. And eventually, as you get older, you may have difficulty driving.
The U.S. Department of Transportation estimates that there were 42 million licensed drivers age 65 or older in 2016, approximately 20% of all drivers in the U.S. Even if you’re nowhere near that age group yourself, you probably know someone who is an older driver — or you’re at risk from an elderly driver who’s not as good behind the wheel as he or she used to be.
How can you help people in your family and your community stay safe while still giving older drivers the opportunity to have the freedom to drive where they want, or at least where they need to? Some preparation before driving is key.
According to the National Institute on Aging, older drivers should:
The guidelines you follow to stay healthy apply to you while you’re driving also:
Our Hastings Mutual auto insurance specialists suggest taking a defensive driving course, with information on how to reduce distractions while driving, rules for driving in special situations like construction zones, and more. There are several defensive driving courses to choose from, in a classroom setting or online. I might take one — I haven’t been tested on my road-handling skills since I was 16!
If you’re interested, your independent insurance agent can help you find an approved defensive driving course. For more on vehicle coverage for you and your family, also ask your agent about Hastings Mutual personal auto insurance.
The Mutual Understanding blog and Hastings Mutual videos are made available for educational purposes only. The information referred to is not an official company statement, corporate policy, or offer of coverage. Refer to your insurance policy for specific coverage. There is no representation as to the accuracy or completeness of any information found by following any link on this site. Please contact your local independent insurance agent with further questions and for more details on any insurance policy-related information you read here.
© 2019 Hastings Mutual Insurance Company. All rights reserved.
The information on this page is made available for educational purposes only. The information referred to is not an official company statement, corporate policy, or offer of coverage. Refer to your insurance policy for specific coverage. There is no representation as to the accuracy or completeness of any information found by following any link on this site. Please contact your local independent insurance agent with further questions and for more details on any insurance policy-related information you read here.
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
8:00 a.m. - 4:30 p.m. (EST)