Signature Choice Auto Coverage

Get up to $125 reimbursement when you need a tow and you’ll also get unlimited use of six types of emergency roadside assistance services³

If your car is in the shop after an accident, you’ll want your mechanic to use Original Equipment Manufacturers parts to repair it. So we make Auto Plus covers that for vehicles up to four years old with 50,000 or fewer miles on the odometer.²

Get a fast check for your totaled vehicle and, if you also have alternate transportation coverage on your policy, extra time added to your rental limit to give you time to shop for a replacement vehicle.²

Our claim service is so good that we guarantee it. Make a claim for damage to your vehicle and get the prompt, courteous service you deserve or we’ll send you $100.²

If you are found at fault in an accident in which there are injuries or fatalities, Bodily Injury Liability coverage would pay towards the claim, judgment, or settlement against you.

If you are at fault in an accident in which there is damage to property – such as other vehicles, a fence, stop sign, light pole, or property in the other party’s vehicle, Property Damage Liability coverage would be applied to the claim or settlement against you.

Personal Injury Protection (PIP) coverage would pay toward medical costs for you and your passengers if you are hurt in an accident. In some states, it would also pay toward lost wages, additional living expenses you incur as a result of the accident, rehabilitation, funeral costs, and more. This is a complex coverage, so be sure to ask our Risk Coach representative how it works in your state.

If you’re hit by a driver who is legally liable for the accident and either has no insurance or does not have enough insurance to cover your injuries, this coverage would apply to your medical and related expenses that are not otherwise covered. This is a great coverage to have even if your state does not require it.

This coverage would apply to your medical costs if you are injured in an accident – regardless of who is at fault.

This pays to repair or replace your vehicle (for the actual cash value) if it’s damaged or totaled in an accident.

This pays for damage or loss caused by things other than collision: theft, hail, fire, tree damage, vandalism, etc.

How would you get around if your car’s in the shop or is totaled? Rental coverage applies if your covered vehicle is disabled following an accident and you need to rent transportation for a few days. 

Ouch! Your auto insurance rates can go up by more than 50% after an accident – and you’ll still have to pay your deductible! Keep that money, and up to $500 of your deductible, in your wallet with a policy that includes our Accident Forgiveness provision.¹

Trip interruption coverage has your back when you’re far from home. It covers unexpected meal and lodging expenses you incur when your vehicle either breaks down or is un-drivable due to an accident and you have to wait 24 hours or more for it to be fixed.²

Replacing or repairing a windshield can be expensive – especially if your policy deductible is so high that is costs more to meet it than the repair shop charges. Premier Choice includes a low $50 glass deductible instead.²

For more peace of mind when you're on the road, make sure you have coverage for towing and/or repair at point of breakdown.

Signature Choice waives the policy deductible for claims for totaled or stolen-and-not-recovered vehicles, so your claim check could be up to $2,500 more.¹

If your car is in the shop after an accident, you’ll want your mechanic to use Original Equipment Manufacturer parts to repair it. Signature Choice makes sure you can make that happen for vehicles up to six years old with 60,000 or fewer miles on the odometer.¹

Taking out a car loan? Already have a loan? Then make sure your insurance includes Loan/Lease Gap coverage. If you total your vehicle of if it is stolen and non-recovered while you’re still paying it off, this coverage pays the outstanding balance on the loan.¹

Renting a vehicle when your car is unsafe to drive, totaled, or in the shop for repairs after an accident or other type of covered loss can be expensive – about $60 per day for a small vehicle to $300+ per day for a larger one. Signature Choice covers you up to $5,000 with no per-day amount limit, so you can rent what you need – from people movers to pickup trucks.^₁

Cookie-cutter coverage just won’t do for unique, customized, or high-value vehicles. Comprehensive and Collision coverage on standard auto policies pays the actual cash value of the vehicle, which can be difficult to establish and is subject to depreciation.

Signature Choice provides better protection for specialty vehicles. Instead of using a standard valuation method, we’ll work with you to establish a mutually agreed-upon value for your vehicle. So, if it has to be replaced or repaired after a covered incident or is stolen and not recovered, a Signature Choice policy will pay you what you and we agree the vehicle is worth.²

Product, service, program, credit, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services or coverage. For more information, please contact Electric Insurance Company at 800.342.5342. If there are discrepancies between the information on this site and the policy, the terms in the policy apply.

1. Terms and conditions apply.

2. Based on a covered claim; pays up to the agreed-upon value amount.