“Whose car does my policy cover?”

Focus
Western National’s Policyholder Newsletter - Issue 3.2
Personal Auto
Edition
The Relationship Company ®
“Whose car does my policy cover?”
What you need to know about ownership and coverage
Ownership is one of the most important factors in determining whether a vehicle is
covered by an auto policy. Typically, vehicles that are titled or co-titled personally
in the policyholder’s name or to a resident spouse are the only vehicles eligible
for coverage. If, for example, you have a son or daughter who just bought his/
her own car, that car no longer has coverage under your policy; the same goes for
any vehicle titled to any relative, significant other or business. Since the vehicle
isn’t owned by the named policyholder, there is no insurable interest (meaning the
policyholder doesn’t have a financial interest in the vehicle).
If you have any questions or concerns regarding the titling or coverage of your
vehicle(s), please contact your Independent Insurance Agent.
FYI
Auto ID
Cards
Wondering where to find the Identification Card
for your auto policy? Your Western National
Identification Card is actually a full page in your
policy, complete with information on what you can
do after an accident to preserve your safety and
speed up your claim. For preparedness and easy
reference, keep your Auto Identification page
in your vehicle at all times as
required by law.
Add a Homeowner’s Policy, Save 5%
Western National’s Multi-Policy Discount
is an easy way to save 5% on your
auto policy while securing the same
high quality service and security
for your homeowner’s policy. For
more information on this auto
policy discount, contact your
Independent Insurance Agent.
Cheaper Rates for
College Students
When you drive less, you
pay less. That’s the
idea behind our rating
program for college
students, where a
student who moves
to school 100+ miles
away from home and
leaves the car at home
is rated at our lower
“Away-at-School” price
level. To find out how
this rating applies to
your policy, contact
your Independent
Insurance Agent.
00061768