Personal Auto
Please contact one of the independent
agents
who represent us. They will be glad to assist you with any questions you
may have.
Coverage includes:
- Bodily injury, property damage liability
- Medical payments
- Personal injury
- Underinsured, uninsured motorists
- Comprehensive (other than collision)
- Collision
Optional coverages:
- Towing and labor
- Transportation expenses
- Loan/Lease
- Repair or replacement
- Trip interruption
Personal Auto Plus - for an extra charge, your policy can be broadened to include:
- Accident forgiveness
- Increased transportation expenses
- Towing and labor
- Parked car collision deductible
- Collision deductible ( not available in Virginia)
- Trip interruption
Free coverages:
- Collision deductible waiver - We will pay up to $250 of your collision deductible if you collide with another vehicle insured by Goodville Mutual.
- Companion policy deductible waiver - We will apply only one deductible if a covered loss occurs to both a Goodville Personal Auto policy and a Goodville Homeowners policy at the same time.
This is not a policy and does not provide coverage. The features found here may or may not be included
in your policy depending on the type of coverages you select. Please
refer to your Goodville policy for specific coverages or contact your
agent for assistance. Not all coverages may be available in all states.
Your safety and the safety of your passengers is very important. Check out our suggestions below for choosing safe vehicles, defensive driving tips, teen safety, what to do if you are involved in an accident and more!
Booster seat evaluations:
Cell phone & texting laws:
Distracted Driving
in 2009, 16% of the fatalities involved distracted driving. The most familiar distractions are talking on cell phones, texting, talking with passengers and eating or drinking while driving; however, there are other more subtle distractions like daydreaming, processing emotional issues, etc.
This link includes information about state laws, facts and figures, faq's, etc.
Teen Driving
It can be very scary to watch your teen pull out of your driveway, for the first time, heading out for their first adventure all alone!
Choosing a good vehicle for your teen is just part of the process:
If your teenager has just gotten a driver's license, it may be hard to imagine handing over the keys to your brand new car, but that may be the smartest vehicle to choose.
The first years teenagers spend as drivers are very risky. In fact, teen drivers have the highest death rates of any age group. In 2007, 4,946 teenagers died in motor vehicle crashes, and many more were left severely and permanently injured by crashes.
While getting a driver's license is an exciting rite-of-passage for teens, it can be enough to make a parent frantic. However, the Insurance Institute for Highway Safety (IIHS) and the Insurance Information Institute (I.I.I.) say there is something worried parents can do to protect their teens - choose a safe vehicle.
- Avoid vehicles that encourage reckless driving. Teen drivers not only lack experience, but may also lack maturity. As a result, speeding and reckless driving are common. When you're picking a vehicle for your teen, avoid sports cars or other vehicles with high performance features that could encourage speeding or other reckless driving.
- Don't let your teen drive an unstable vehicle. Sport utility vehicles, especially the smaller ones, are inherently less stable than cars because of their higher centers of gravity. Abrupt steering maneuvers - the kind that can occur when teens are distracted or over-correcting a driver error - can be more likely to cause rollovers. A more stable car would, at worst, skid or spin out.
- Pick a vehicle that offers good crash protection. Teenagers should drive vehicles that offer state-of-the-art protection in case they do crash.
- Don't let your teen drive a small vehicle. Small vehicles offer much less protection in crashes than larger ones. However, this doesn't mean you should put your child in the largest vehicle you can find. Many mid- and full-size cars offer more than adequate crash protection. Check out the safety ratings for mid-size and larger cars.
- Avoid older vehicles. Most of today's cars are better designed for crash protection than cars of six to ten years ago. For example, a newer, mid-size car with airbags would be a better choice than an older, larger car without airbags. Before you make a final choice on the car your teenager will drive, consult the U.S. Department of Transportation (http://www.dot.gov) or the Insurance Institute for Highway Safety (http://www.iihs.org).
Teen Driving Contracts
Many parents have found that a Parent-Teen Driving Contract is a valuable tool in helping teens to understand the responsibilities that come along with the privilege of driving. A contract clearly states your family's rules as well as the consequences for breaking them. Contracts can addresses areas such as:
- Car care
- Safety rules
- Curfews
- Responsibilities
- Consequences
As you think about how a contract can work for your family, here are several links that can help you create a contract designed for you and your teen!
What to do if you are involved in an accident
- Pull over - pull your car off the road, if possible, and out of the way of other traffic. If you are on a busy street, stay in your car; it can be dangerous to stand along a busy street.
- Stay at the scene - leaving the scene can result in additional violations or fees.
- Check for injuries - If anyone is injured, call 911.
- Call the police - Even if the accident seems minor, call the police to report the accident. Their involvement can help expedite your claim later.
- Don't admit liability - leave that decision to the police and the insurance adjusters. Stay calm and don't get into any arguments with the other driver(s).
- Exchange information with the other driver(s):
- Name, address, phone number
- Make, model, license plate number
- Insurance company, agent & policy number
- Details - write down as many details as possible including, date, time, location, weather conditions.
- Photos - use your cell phone to take photos of the damage to all the vehicles involved, including their locations on the road, if they haven't been moved.
- Witnesses - if there are any witnesses, get their names and phone numbers.
- Police Report - request a copy of the police report for your insurance company. Note the officer's name, department and badge number.
- Report the accident - call your agent to report the accident immediately while everything is still fresh in your mind. We will contact you with information about the next steps in the claims process including your vehicle repair or replacement.
Vehicle safety ratings
The links that are provided are for organizations that are not associated with Goodville Mutual. The links are provided as a service. Goodville may not endorse all the views found on these sites nor can we guarantee that the information that is provided is current and correct.
