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April 2021

Offer your policyholders 2 levels of claim forgiveness with Exceed Auto

Did you know our new personal auto product, Exceed Auto, offers two levels of claim forgiveness? With claim forgiveness (included) and enhanced claim forgiveness (optional), your policyholders can select the comprehensive coverage option that fits their unique needs.

  • Claim forgiveness - A chargeable claim under the convictions and accidents or disclosed driver factor rule will not be surcharged if: the policy has been in force with Encova without any lapse in coverage for at least five consecutive years, and there have been no other paid claims on the policy in the prior 59 months.
  • Enhanced claim forgiveness - Available for purchase at policy effective date – for new and renewal business – for policies with at least one private passenger automobile. Coverage may not be added or removed from the policy midterm. A chargeable claim will not be surcharged if the claim occurred after the enhanced claim forgiveness endorsement was added to the policy, the endorsement is active on the policy and there were no other forgiven paid claims in the past 35 months.

But wait – there’s more! Also a part of Exceed Auto, our roadside assistance coverage will provide your policyholders with peace of mind. Our two levels include coverage for:

  • 24-hour emergency service
  • Battery charge
  • Ride assistance payment up to $20 ($40 with extended)
  • Service calls
  • Tire change
  • Towing up to 20 miles (40 miles with extended)
  • Winching/towing from accessible areas

These customizable and quality coverage options are available for quoting in Encova Edge for personal lines agents in Indiana, Iowa, Ohio, West Virginia and Wisconsin. Contact your agency manager with questions.