Auto Coverages

As a company Founded by Educators for Educators®, we’ve been providing educators and their families with quality, affordable auto insurance since 1945.  Your Horace Mann insurance agent can help explain all of the coverages available to you and work with you to build a policy that best suits your needs.

There are two types of compensation associated with liability coverage -- Bodily Injury and Property Damage.

Bodily Injury covers losses resulting from injuries you cause to others.  Property Damage covers repair costs or the value of others' property you have damaged.

Who is covered?

  • You and relatives living at your residence are covered when driving your car or another person’s car with the owner's permission.
  • Someone else driving your car with your permission. 

What is covered?

The injured party (third-party benefit) can receive payments for damages related to:

  • Death
  • Injury
  • Medical care
  • Loss of services
  • Property damage (in certain states)

You are also covered for certain defense costs, bail bond costs and emergency first aid to others.

This coverage protects against losses caused by an at-fault driver who has no liability coverage or by a hit-and-run driver.

Who is covered?

  • You and any covered passengers in your car.
  • You and any relatives living at your residence, if occupying another person’s car.

What is covered?

Losses related to:

  • Death
  • Injury
  • Medical care
  • Property damage (in certain states)

This coverage protects against losses caused by an at-fault driver who has insufficient liability coverage to pay for your loss.

Who is covered?

  • You and any covered passengers in your car.
  • You and any relatives living at your residence, if occupying another person’s car.

What is covered?

Losses related to:

  • Death
  • Injury
  • Medical care
  • Property damage (in certain states)

This coverage protects against losses regardless of who was at fault. In addition, you and covered relatives are protected if you are pedestrians injured in an auto accident.

Whether you have medical payments coverage depends on the laws in your state.

Who is covered?

  • You and any covered passengers in your car
  • You and any relatives living at your residence

What is covered?

Medical expenses, including:

  • Ambulance service
  • Medical, surgical and dental treatment, including X-rays
  • Hospital care and professional nursing service
  • Eyeglasses
  • Funeral service

Additional coverage may be provided for loss of income and/or services.

This covers auto damage that is caused by colliding with another object. Repair or replacement costs will be covered for your vehicle, up to its actual cash value, minus your deductible.

This covers damage to your car from a variety of non-collision events, including fire, theft, vandalism, falling rocks, hail, or impact from an animal (e.g., deer collision).  Repair or replacement costs will be covered for your vehicle, up to its actual cash value, minus your deductible.

Horace Mann’s Emergency Road Service provides for:

  • Towing
  • Minor mechanical adjustments
  • Battery jump start*
  • Tire change*
  • Gasoline, oil and water delivery*
  • Lockout service

Emergency Road Service also includes Horace Mann Express Service, providing prompt 24/7 assistance at no additional charge.  And, Horace Mann will be billed directly for the services up to your Emergency Road Service coverage limit.

*Costs of the battery, tire(s), gasoline and oil are not covered under the policy.

This coverage helps pay for the cost of a rental car following a covered loss.

 

You must have comprehensive coverage for your vehicle in order to qualify for Emergency Road Service, and you must have both comprehensive and collision coverages to qualify for Rental Reimbursement.  Coverage is subject to the terms, limits and provisions in the policy. This page provides only a general description of coverage and is not a statement of contract.

Coverage underwritten by Horace Mann Insurance Company and its affiliates.

WBAI-0003 (11/14)

© 2015 Horace Mann Educators Corporation

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