New personal auto policies written by The IMT Group are automatically placed into our Wadena Personal Auto program. Our Wadena Personal Auto program sets itself apart from others because it focuses on greater market segmentation allowing each policyholder to receive a more accurate premium rate based on their specific situation. Our multi-tiered rating system looks beyond standard rating factors and allows you to receive a great product for a competitive price.
The following coverages are automatically included with all Wadena Personal Auto policies free of charge:
Rental Car Coverage - if at least one vehicle on your policy carries either “Other than Collision” or Collision Coverage, we will pay all reasonable expenses you incur resulting from a covered accident or other covered loss to a car that you rent from a commercial rental car agency. Specifically, this coverage enhances your current rental car coverage by waiving your applicable deductible as well as agreeing to pay the rental car agency for their full “loss of use” and any reduction or diminution of value in the rental car.
Identity Recovery Coverage – combines $15,000 of identity theft insurance with services that help victims restore their credit history and identity records.
New Car Replacement Coverage – this coverage applies to vehicles that are new up to one year old with less than 15,000 miles on the odometer. If the vehicle is totaled due to a covered loss, we will replace it with a current model year vehicle of the same make, model and covered equipment without subtracting for depreciation.
Lock Replacement Coverage – if your vehicle keys are stolen, we will pay up to $250 for the replacement of your locks and keys.
Locked Vehicle Coverage – if you lock the keys in your vehicle, we will pay up to $100 to have your vehicle unlocked.
Increased Transportation Expense Coverage – if your vehicle is disabled, due to a covered accident, we will pay you up to $30 per day with a maximum reimbursement of $900 for the cost of renting a replacement vehicle. This coverage is standard with most auto policies, but at a lower daily reimbursement rate. Higher optional limits of daily reimbursement are also available.
Pet Injury Coverage – if your pet is injured from a collision while riding in your vehicle, we will pay up to $500 for any applicable veterinarian bills including medication.
Theft of Clothing, Luggage, Camping Gear and Other Sporting Equipment – if your vehicle is stolen, we will pay up to $500 for your clothes, luggage, camping gear, and other sporting equipment inside the stolen vehicle.
Air Bag Coverage – reimburses you for the cost of reinstalling a factory installed air bag if it deploys without the auto being involved in a collision or other than collision occurrence.
Glass Repair – if your vehicle glass is repaired instead of replaced, we will waive your deductible and pay for the full cost of the repair.
Guaranteed Auto Repairs – we will guarantee your repairs to be of the quality generally accepted in the automobile repair industry. Our guarantee will last for as long as you own the vehicle and are insured with our company.
This is a summary of coverage. Review the actual policy for details on all coverages, terms, limits, conditions and exclusions.
In addition to our competitive rates, there are many discounts available. Following is a list of discounts offered within the Wadena Personal Auto program:
Paid in Full – paying your policy premium up front in one lump sum offers a substantial discount.
Financial Stability – individuals with a favorable credit history will receive a discount.
Customer Loyalty – applicants who have maintained insurance continuously with their prior insurance carrier for two years or more and are at-fault accident free during this time period will receive a discount.
New Model – vehicles less than five model years old receive a discount.
Accident Free – drivers who have been at-fault accident free in the past three years and have been licensed for the past three years will receive a discount.
Multi-Policy – individuals who maintain their homeowners insurance with IMT Insurance are eligible for a discount.
Multi-Car – policies with more than one vehicle insured will receive a discount.
GPS Tracking – vehicles with a global positioning system to track the location of the vehicle are eligible for a discount.
Good Student – high school, vocational, or college students who maintain a “B” average or higher, are in the upper 20% of their class, or are included on a “Honor Roll” are eligible for a discount.
Accident Prevention Course – drivers age 55 and older who have completed an approved motor vehicle accident prevention course in the past three years are eligible for this discount.
Some customers even qualify for accident or violation forgiveness. We would encourage you to find out more about the Wadena Personal Auto program and obtain a free quote by contacting a local Wadena Insurance agent today!