Auto Insurance Top 5 Policy Overview American Family Mutual Insurance Company S.I.

Insuring Agreement

We will pay compensatory damages an insured person is legally liable for because of bodily injury or property damage as a result of an auto accident due to the ownership, maintenance or use of a car or trailer. We will defend any suit or settle any claim for damages payable under this policy as we think proper. However, we will not defend any suit after our limit of liability has been offered or paid.

B. Insuring Agreement
We will pay for usual and customary medical expenses and funeral services incurred, less any applicable deductible, because of bodily injury sustained to an insured person as a result of an accident. Medical expenses must be for services provided and prescribed by a licensed medical provider performing within their scope of practice. We will pay only those expenses incurred for services rendered within one year from the date of the accident. If the limit of liability for Medical Expense Coverage shown in the Declarations is more than $10,000, we will pay covered expenses incurred for services rendered within three years from the date of the accident. We reserve the right to determine, or to have someone on our behalf determine, whether any treatment is medically necessary, and whether any charge is usual and customary. We also reserve the right to use managed medical care approaches and treatment options where appropriate, and to determine if the proposed or incurred treatment plans are medically necessary.

Insuring Agreement

1. We will pay compensatory damages for bodily injury which an insured person is legally entitled to recover from the owner or operator of an uninsured motor vehicle.

2. The bodily injury must;  
a. be sustained by an insured person; 
b. be caused by an accident;  and
c. arise out of the ownership, maintenance, or use of an uninsured motor vehicle.
3. If any suit is brought by you to determine liability or damages, the owner or operator of the uninsured motor vehicle must be made a defendant and you must notify us of the suit. We are not bound by any resulting judgment without our written consent.

B. Insuring Agreement

1. We will pay compensatory damages for bodily injury which an insured person is legally entitled to recover from the owner or operator of an underinsured motor vehicle.

2. The bodily injury must;  
 a. be sustained by an insured person; 
 b. be caused by an accident;  and
 c. arise out of the ownership, maintenance, or use of an underinsured motor vehicle.
3. If any suit is brought by you to determine liability or damages, the owner or operator of the underinsured motor vehicle must be made a defendant and you must notify us of the suit. We are not bound by any resulting judgment without our written consent. 4. We will pay under this coverage only after all the limits of liability under any bodily injury bonds or policies have been exhausted by payment of judgments or settlements.

A. Insuring Agreement
We will pay for loss of or damage to your insured car and its equipment, less the deductible, if the coverage is shown in the Declarations for;  

2. Collision Coverage. Under this coverage, we will pay for loss due to the collision of your insured car with another object or upset of your insured car. If breakage of glass results from a collision, you may have us treat it as a loss caused by collision. The first $100 of your deductible shall not apply to loss caused by a collision of your insured car with another vehicle insured by us. But the entire deductible applies if the other vehicle is owned by, or in the charge of, you or a member of your household.

Insuring Agreement

1. We will pay compensatory damages for bodily injury which an insured person is legally entitled to recover from the owner or operator of an uninsured motor vehicle.

2. The bodily injury must;  
a. be sustained by an insured person; 
b. be caused by an accident;  and
c. arise out of the ownership, maintenance, or use of an uninsured motor vehicle.
3. If any suit is brought by you to determine liability or damages, the owner or operator of the uninsured motor vehicle must be made a defendant and you must notify us of the suit. We are not bound by any resulting judgment without our written consent.

B. Insuring Agreement

1. We will pay compensatory damages for bodily injury which an insured person is legally entitled to recover from the owner or operator of an underinsured motor vehicle.

2. The bodily injury must;  
 a. be sustained by an insured person; 
 b. be caused by an accident;  and
 c. arise out of the ownership, maintenance, or use of an underinsured motor vehicle.
3. If any suit is brought by you to determine liability or damages, the owner or operator of the underinsured motor vehicle must be made a defendant and you must notify us of the suit. We are not bound by any resulting judgment without our written consent.

4. We will pay under this coverage only after all the limits of liability under any bodily injury bonds or policies have been exhausted by payment of judgments or settlements.