Products

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Commonwealth Auto Insurance Coverages and Additional Products

Liability Coverage - Most states require every licensed driver to carry liability insurance. Liability coverage pays for any damage that the driver inflicts on other drivers in an accident. Bodily injury coverage covers damage for injury or death that the driver causes, while property damage liability handles vehicle and property damage. This coverage also covers the cost of defense in case of a lawsuit relating to an auto accident.

Bodily Injury Liability - This type of liability insurance covers the cost of any injuries or the death of a person as a result of an accident a driver causes. A few examples of coverage would be medical bills, loss of income, hospital bills; and damages from pain and suffering. Bodily injury insurance only covers the victims of the accident, so the insured’s own medical bills would not be covered. BI is the short term used for this coverage in the auto insurance industry.

Property Damage Liability - Property damage liability insurance covers damage that the insured driver causes to another person’s property. This covers damage to other people’s cars, fences, trees, houses, etc.

Uninsured and Under-Insured Motorist Coverage - This pays for the insured’s injuries caused by an uninsured driver.

Medical Payments Coverage - This coverage pays for the medical cost of the insured and family members, regardless of fault. It also applies when a covered person is injured in an accident as a pedestrian. This coverage will only pay for medical bills; unlike Uninsured Motorist Coverage, which would cover other losses such as loss wages, loss of consortium, pain and suffering, etc.

Uninsured Motorist Property Damage - This pays for damage caused to the driver’s vehicle by an uninsured driver. It must be verified that the driver at fault for the accident was uninsured at the time of the loss. Hit and Run incidents do not apply.

Comprehensive Coverage - This covers damage done to the insured’s vehicle caused by incidents such as theft, vandalism, rocks, and etc. It does not cover damage caused by collisions.

Safety Equipment Coverage - This coverage will waive the comprehensive deductible when a loss has occurred to the vehicle’s glass. This is for all glass windows on the vehicle including the windshield, headlights, and taillights. This is available only when the vehicle has comprehensive coverage.

Collision Coverage
- This coverage pays for the cost of damage to the insured’s vehicle when the driver hits another vehicle or object.

A deductible is the dollar amount the insured will pay out of pocket before an insurance company pays for the damage.

Named Driver Restriction Removal - Our basic contract covers the insured’s vehicle for comprehensive or collision coverage only when an active driver that is listed on the policy was operating the vehicle at the time of the loss. With this optional coverage, comprehensive and collision coverage will apply even when the driver is not listed, provided the driver does not reside with the insured, is licensed, and is not a frequent operator of the vehicle.

Rental Reimbursement Coverage - This helps pay the cost of a rental car while the vehicle is being repaired for a covered comprehensive or collision loss. We offer two options: $20 dollars per day for up to 30 days and $30 dollars per day for up to 30 days.

Vanishing Deductible - For every year the policy is enforce without a lapse and is free of claims, deductibles on the policy are reduced by $100 dollars. The maximum reduction is $500.

Multi-Policy Discount - Save even more off your Auto policy by bundling your Commonwealth Homeowner’s or Renter’s policy with a Commonwealth Auto policy!

Coverages above are subject to terms and conditions of the policy

Commonwealth Home Insurance Includes

  • Coverage to repair or completely rebuild your home and other structures. It protects your home against fire, wind, hail, tornados, falling objects and more.
  • Liability coverage for property damage and lawsuits. If someone gets injured on your property or if you break a window with an errant golf shot while golfing, we'll cover the damage and legal fees.
  • Coverage for Personal Property such as furniture, electronics, appliances, tools or power equipment. You may purchase optional coverages for more expensive items like jewelry and computers.
  • For optional coverages, we offer the following:
  • Water Back Up Protection - this option covers water backups through sewers, drains, or overflows from a sump pump or similar equipment.
  • Service Line Coverage - this unique option covers underground piping or wiring that provides services to your home, such as water, electrical power, or communications including internet services.
  • Special Computer Coverage - this coverage provides a higher dollar limit for your desktop or laptop computers, tablets, gaming hardware and related equipment.
  • Golf Carts - provides coverage for damage to golf carts as well as liability coverage if you cause damage while riding one.
  • We offer many discounts:
  • Multi-Policy Discount
  • New Home Discount
  • New Purchase Discount
  • Secured Community / Building Discount
  • Protective Device Discount
  • Fire Alarm
  • Home Sprinkler System
  • Complete Local Burglar Alarm
  • Claims Free Discount
  • Paid-In-Full Discount
  • Water Leak Detection Discount
Coverages above are subject to terms and conditions of the policy.

Commonwealth Renter’s insurance includes

  • Liability coverage for property damage and lawsuits. If someone gets injured on your property or if you break a window with an errant golf shot while golfing, we'll cover the damage and legal fees.
  • Coverage for Personal Property such as furniture, electronics, appliances, tools, power equipment, and more. You may purchase optional coverage for more expensive items like jewelry and computers.
  • Our Renter’s insurance also provides:
  • Loss Of Use - If your rental unit becomes uninhabitable due to a covered loss, our policy provides you with coverage to pay for additional living expenses and food.
  • Personal Property Replacement Cost - With our renter’s insurance, you can replace lost or damaged items from a covered loss with similar items at today’s current prices!
  • Multi Policy Discount - Save even more off your Auto and Renter’s policy when you bundle your Commonwealth Renter’s policy with Commonwealth Auto insurance policy!
  • Increased Limits For Jewelry And Computer - With our renter’s policy, you have the option to increase the limits for your jewelry and computers!
Coverages above are subject to terms and conditions of the policy.

Commonwealth Rideshare

Ride Sharing Coverage - If any vehicle on the policy is driven for ride share purposes such as Uber or Lyft, we offer an endorsement that will provide coverage during the time where the umbrella policy provided by the transportation network company (TNC) will not. Our rideshare coverage applies the same deductible as you carry with our policy as opposed to the higher deductibles that the TNC umbrella policy provides. All drivers that drive for the TNC must be listed on the policy.
Coverages above are subject to terms and conditions of the policy

Commonwealth Roadside

  • Towing - Up to 25 miles (Arizona) / 20 miles (Texas/Ohio) to the nearest qualified service facility.
  • Battery Service - Provides jump start service when your car battery dies.
  • Flat Tire Assistance - Provides flat tire removal and replacement with a spare tire if your vehicle carries one. If the spare tire is missing, roadside will provide tow per towing benefits.
  • Emergency Fluid Delivery Service - An emergency supply of up to 3 gallons of gasoline, oil, and water will be delivered.
  • Lock-Out Assistance - Provides assistance to gain entry into the vehicle, if insured gets locked out of the car.
Coverages above are subject to terms and conditions of the policy
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