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.
I recently bought a car — maybe an odd thing to do right now since I don’t need to drive it too often. But the old one had high mileage and some damage to the exterior. It was time for an upgrade. I bought a silver car, but while I was car shopping, I remembered the urban legend about red cars, that they’re more noticed by police and more likely to be pulled over.
It’s not true, but it’s still a myth that people believe. (At least, I remember hearing it when I first got my driver’s license, and there’s no shortage of articles about the alleged phenomenon.) It’s also not true that it affects your insurance coverage.
At Hastings Mutual, the color of your car doesn’t have an impact on your insurance rates. We do keep an eye on your eligibility for insurance, which can be things like tickets.
Every situation is different, and your agent can help you identify exactly what goes into determining your insurance rates. But in general, we look at factors including, but not limited to:
Who you are and what you do is part of what determines the price you pay for car insurance. Decisions on the cost of coverage by your insurance company are another part of your price. But the color of your car, even if it’s red, has nothing to do with it.
Questions? Let us know in the comments.
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.
© 2020 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)