American Family Car Insurance: Comprehensive Coverage for Your Family

Car insurance is an essential investment for any car owner in the United States. It protects you from the financial liability of accidents or damages to your vehicle. When it comes to selecting an insurance provider, American Family Car Insurance is a reliable option that offers comprehensive coverage to its customers. In this article, we will walk you through its benefits, discounts, and frequently asked questions to help you decide if American Family Car Insurance is right for you.

What is American Family Car Insurance?

American Family Car Insurance is a subsidiary of the American Family Insurance Group – a company with over 90 years of experience in the insurance industry. It provides car insurance policies with a range of coverage options for drivers and vehicles of all types – cars, trucks, SUVs, and more. The company is headquartered in Madison, Wisconsin, and operates in 19 states throughout the United States.

One of the unique selling points of American Family Car Insurance is its emphasis on catering to families. It offers a range of discounts and tailored coverage options to ensure drivers and their families are protected in case of any accidents or damages. Let’s explore what these coverage options entail.

Comprehensive Coverage Options

American Family Car Insurance provides three primary coverage options:

• Liability Coverage
• Collision Coverage
• Comprehensive Coverage

Liability Coverage

Liability coverage is the most basic coverage option that every driver must have in the United States. It covers the cost of damages or injuries caused to others in an accident that you’re responsible for. American Family Car Insurance offers liability coverage of up to $500,000 for injuries, and $100,000 for property damage.

The liability coverage offered by American Family Car Insurance can prove beneficial in any situation where you have caused damage to someone else’s property or caused them harm. For example, if you cause a car accident and the other person is injured, your liability coverage will pay for their medical expenses up to your policy limit.

Collision Coverage

Collision coverage provides coverage for damages to your car in case of an accident, regardless of who is at fault. It covers the cost of repairs to your vehicle up to the fair market value of the car. American Family Car Insurance also covers damages to your car caused by collision with animals, such as deer, cows, or dogs.

Collision coverage can prove useful in situations where you have been in an accident or you have hit a stationary object, such as a pole or a wall.

Comprehensive Coverage

Comprehensive coverage offers protection from non-collision-related accidents, such as theft, vandalism, or natural disasters. It covers the cost of damages or replacement of your car up to its fair market value.

Comprehensive coverage also provides protection in scenarios where you hit an animal, such as a deer, or if your car is damaged due to extreme weather conditions, such as hail or floods.

Discounts

American Family Car Insurance offers a wide range of discounts for its policyholders. Here are some of the major discounts available:

Multi-Car Discount

American Family Car Insurance offers a discount when you insure more than one car with them. You can save up to 25% on your car insurance premiums when you choose to bundle multiple policies together.

Safe Driver Discount

Safe drivers are rewarded with a discount on their insurance policy. If you have a clean driving record without any accidents or traffic violations, you may be eligible for a safe driver discount.

Good Student Discount

If you’re a student with good grades, you may be eligible for a good student discount. This discount is available to high school and college students who maintain a certain grade point average.

Low Mileage Discount

If you don’t drive your car frequently, you may be eligible for a low mileage discount. American Family Car Insurance offers this discount to drivers who drive their cars less than 7,500 miles per year.

Frequently Asked Questions

How do I file a claim with American Family Car Insurance?

If you need to file a claim, you can do so by visiting American Family’s website, calling their toll-free number, or contacting your local American Family agent. You will need to provide details of the accident and any damages or injuries caused, as well as your policy number.

What if I have an accident out of state?

If you’re involved in an accident outside your state of residence, your American Family Car Insurance policy will still provide coverage, as long as the accident is covered by your policy.

What if I have a teen driver in my household?

American Family Car Insurance offers a range of options to help parents keep their teen drivers safe on the road. These include parental control features, such as speed alerts and location tracking, and discounts for good grades and driver training.

What if my car is totaled in an accident?

If your car is declared a total loss, American Family Car Insurance will pay you the fair market value of your car, minus your deductible. If you have a loan or lease on the car, your insurance will pay the remaining balance of your loan or lease after you pay your deductible.

What if I’m hit by an uninsured driver?

If you’re hit by an uninsured or underinsured driver, American Family Car Insurance offers coverage for medical expenses, lost wages, and property damage up to your policy limit.

Conclusion

American Family Car Insurance is an excellent choice for car owners in the United States. The company’s emphasis on providing comprehensive coverage to families, combined with its range of discounts and tailored coverage options, makes it an appealing option for anyone seeking car insurance. Now that you’ve learned about its benefits and features, why not request a quote and see if American Family Car Insurance is right for you?