Yes. The chance that you could suffer a Loss begins with your first day of business. Insurance must be in effect at the time of an accident or occurrence if a Loss is to be covered. If you suffer a Loss and have no insurance or have improper or insufficient coverage, there is very little, if anything, your insurance agent or we can do to help you. By carefully reviewing your business operations with your independent agent, you can identify your exposure to accidental losses and prepare for the risks that are inherent in any business and the losses, sometimes catastrophic, that can occur.

Accidents do happen and, no matter how careful a driver you are, the accident could be your fault. Then you might be faced with not only the total Loss of your auto but also a staggering debt of hundreds of thousands of dollars in bodily injury to someone else or damage to their property.

Personal Auto Coverage Enhancements (PACE) is a free package of coverages added to every personal automobile policy.  Some of the benefits you receive with PACE are:

• Expanded Loss Settlement - repair without Depreciation; replacement with a new car of the same model year or newer; payment of up to the manufacturer's suggested retail price; payment of 120% of the actual cash value of the car at the time of the accident.
• Coverage for Newly Acquired Automobiles
• Emergency Lodging and Meals
• Medial Payments Supplement
• Supplementary Payments