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Coverage Comparison Chart
Standard Automobile Policy vs. Adaptive Assurance
Coverage |
Standard Auto Policy |
Adaptive
Assurance |
| Transportation Expense |
$20 per day, up to a maximum of $600 for a
standard vehicle |
Up to $100 per day, to a maximum of $3,000 for
an adaptive-equipped vehicle |
| Towing & Labor |
No coverage unless purchased through
endorsement (rates vary by state) |
We will pay up to $75 for the reasonable and
necessary cost for towing or roadside labor |
| Emergency Expense Allowance |
No coverage |
Up to $300 for emergency expenses for: Lodging
and/or transport back to the legal residence and/or returning "Your Covered
Auto" to its garage location if you are more than 50 miles from your legal residence |
| Disappearing Deductible |
No coverage |
For each consecutive year without a reported
claim, we will reduce your deductible by 25% of the indicated amount per year until it
reaches zero |
| Reimbursement for new Prescription |
No coverage |
In the event of a total loss to "Your
Covered Auto" we will reimburse you for a new adaptive equipment prescription |
| Reimbursement for driver training course
costs |
No coverage |
We will reimburse you for the cost of the
driver training course necessary to learn to operate your replacement vehicle |
| Custom Furnishings and Equipment e.g.,
special carpeting, insulation, furniture, height-extended roofs, lowered floors and
prescription or installed adaptive equipment |
Limited unless specifically described on
policy and an additional premium paid Actual Cash Value |
Included Replacement Cost amount necessary
to repair or replace with other of like kind and quality |
All of the above
coverages are provided in the Adaptive Assurance Endorsement 91476(0498) |
Coverage Comparison Chart
Standard Automobile Policy vs. Adaptive Assurance
Page 2
Coverage |
Standard Auto Policy |
Adaptive
Assurance |
| Customized Vehicle Total Loss Replacement
Coverage |
No coverage |
If there is a total loss to "Your Covered
Auto" within five years of the date you acquired it new, our limit of liability for
loss will be: the cost of a new auto or van including tax & dealer preparation of the
same model year, make, size, body type and equipment |
This coverage is added by endorsement 91478 (0498) for an additional
premium |
| Customized Vehicle Agreed Value Coverage |
No coverage |
If there is a total loss to "Your Covered
Auto" which is six years old or older, our limit of liability for loss will be: the
amount which is agreed to be the value of the described vehicle and equipment but not more
than: 1. The full cost of the repair at the
time of the loss or
2. The agreed amount shown in
the declarations |
This coverage is added
by endorsement 91477 (0498) for an additional premium |
You also get the convenience of Royal First, our 24 hour 7 day a week claim
reporting hotline with emergency roadside assistance. By calling 1(800) 847-6925 any time
of the day or night, you can either report a claim or request emergency roadside
assistance. This includes arranging for a tow or just getting some gas to get you back on
the road safely and with as little hassle as possible. By mentioning that the vehicle is
adapted, arrangements will be made to accommodate your needs in the event you need to
secure alternate transportation. (See emergency expense allowance above.)
The above list only a summary of the terms, conditions and exclusions of coverage.
Please refer to the actual policy for details. Not all coverages and discounts are
available in all states and requirements may vary.
FOR A FREE QUOTATION, PLEASE
CALL ADAPTIVE ASSURANCE AT:
1-888-592-6315
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