Home > Insurance Products > Personal Auto

Wayne Mutual Insurance offers two programs to meet your personal auto insurance needs: Preferred Wayne Auto and Standard Wayne Auto. Consult your local agent to find out which program will best suit your needs.

Both Wayne Mutual personal auto programs offer the following coverages:

Liability

Covers bodily injuries and property damage to others

• Damage to other vehicles

• Damage to property of others

• Court costs, legal expenses and bail bonds

• Bodily injury/death of others

• Doctor bills and hospital expenses

• Funeral expenses

Medical Payments

Covers bodily injuries to you and your passengers

• Doctor bills and hospital expenses

• Ambulance bills

• Funeral expenses

Uninsured Motorists Protection

Covers losses caused by uninsured or hit-and-run motorists

• Bodily injuries to you, your family members and guests occupying your covered automobile

• Bodily injuries to you and household family members while pedestrians

• Damage to your automobile

Collision and Comprehensive Protection

Covers collision damage to your automobile

• Accidents involving other vehicles or objects

• Rollover

Covers comprehensive (Other Than Collision) damage to your automobile

• Fire

• Falling objects

• Explosion or earthquake

• Theft

• Windstorm, hail, water or flood

• Vandalism

• Glass breakage

• Damage by bird or animal

Additional features with basic coverages:

• Coverage for damage to vehicles you rent from a rental agency in the U.S. or Canada.  You will not need to purchase the Collision Damage Waiver (please check with your agent to confirm that your coverage is adequate).

• Up to $200 a day for loss of wages or salary if we request your attendance at hearings or trials

• Up to $250 for expenses incurred in offering first aid to others if you are in an accident

• Accident death benefit in certain circumstances

• Reimbursement of transportation expenses due to a covered loss

• Up to $250 for the loss of clothing and luggage for you or any family member due to theft

• Underinsured protection for you and your family

• Liability coverage extended to meet the requirements of any state or province with respect to financial responsibility, compulsory insurance or similar laws

Optional coverages:

• Towing and labor

• Rental reimbursement/transportation expenses

• Loan/lease gap coverage (covers unpaid loan or lease agreements)

• Electronic equipment (tapes, CDs, and other media)

Discounts

• Anti-theft devices

• Passive restraint systems

• Air bags

• Good student

• Multi-car

• Multi-policy (Wayne Mutual home, farm or mobile home policy)

• Senior operator safety course

• Five years loss free

• Safe driver (no minor violations or only one minor violation in the past 3 years)

Additional protection plans:

Plans are available for a variety of miscellaneous vehicles, including:

Motor homes, trailers, motorcycles, mopeds, motorscooters, motorbikes, golf carts, snowmobiles, all-terrain vehicles, dune buggies, farm trucks and antique automobiles
 

The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Mutual agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.