AUTOMOBILE

INSURANCE

THE PROTECTION YOU NEED

AT AN AFFORDABLE PRICE

Selling insurance protection is an independent insurance agent’s business. Your agent represents many insurance companies and they represent our Company

for many reasons. Germantown Mutual has been in business since 1854 and is the oldest insurance company based in Wisconsin. We sell exclusively through

professional independent insurance agents. A.M. Best’s Insurance Reports gives GMIC an A (Excellent) rating, one of its highest available. We, along with

your agent, are dedicated to providing you with the best protection available at a fair price. We have been in business since 1854 because we provide honest,

quality service and treat people fairly.

Germantown Mutual offers auto insurance to meet your insurance needs at an affordable price. Take a look at some of our

policy features…

LIABILITY PROTECTION —Pays for injury to others and damage to the property of others when you are legally liable. Three types of coverage are included:

Bodily Injury—Including injury, sickness, or death as well as emergency medical costs

Property Damage—Covers damage to the property of others

Your Legal Defense—Covers your costs if a suit is brought against you, even if it is groundless or false

MEDICAL PROTECTION—The policy provides an optional limit of medical expense coverage to meet the cost of medical bills

of you or your passengers caused by an automobile accident. In states with no-fault coverage, this coverage is automatically

included.

UNINSURED MOTORIST L IABILITY COVERAGE —This coverage pays for injuries to you and your passengers caused

by an uninsured motorist, or hit-and-run driver.

UNDERINSURED MOTORIST L IABILITY COVERAGE —This coverage pays you for injuries and your passengers for

bodily harm caused by a driver who does not have adequate insurance coverage to pay for the damages.

COLLISION COVERAGE —Pays for damage to your car caused by collision with another vehicle or other object, or as a result

of upset.

OTHER THAN COLLISION —The Germantown Mutual policy will pay for most damage to your car that results from losses not

covered under collision. For example, it pays for losses if your car is stolen, damaged by fire, wind, flood, vandalism, or glass

breakage. The policy will pay for the actual cash value of the damage, less any deductible.

OPTIONAL

24/7 EMERGENCY ROADSIDE ASSISTANCE —Reimburses you for towing costs each time your car is disabled. Labor

costs at the point of disablement are also covered, up to the policy limit for Roadside Assistance.

LOAN/LEASE GAP GOVERAGE—This endorsement will pay for any unpaid amount due on a lease or loan in the event of a

covered total loss.

AUTO REPAIR OR REPLACEMENT COVERAGE—In the event of a covered total loss, we will pay the lesser of the reasonable

cost of repair with parts of like kind and quality or the cost of a new vehicle of the same make, if possible; similar size c lass; and

similar body type and equipment as the damaged vehicle.

DISCOUNTS AVAILABLE—Auto/Home, Good Student, Multi-Car, and Policyholder Loyalty discounts are available.

NOTE: This analysis of coverages is, necessarily, in general terms and is superseded in all respects by the Insuring Agreements, Exclusions and Conditions of the Policy

G E R M A N T O W N M U T U A L I N S U R A N C E C O M P A N Y

P O B o x 1 0 2 0 ▪ G e r m a n t o w n , W i s c o n s i n 5 3 0 2 2 - 8 2 2 0

P h o n e : ( 2 6 2 ) 2 5 1 - 6 6 8 0 ▪ w w w . g m i c . c o m

Updated 3.15.2018