Strictly Business

Founded in 1946, Shelter Insurance is headquartered in Columbia, Mo. and provides a variety of competitively priced financial products and services, as well as comprehensive insurance programs such as:

Automobile Insurance

Bodily Injury and Property Damage Liability

• Pays your legal obligations to others for persons injured or killed or for property damage up to the coverage limits.
• Protects you and relatives in your household, while driving most automobiles, and other persons driving your automobile with your permission.
• Provides liability protection for many types of non-business trailers used with your automobile.

Medical Payments

• Pays medical expenses up to the coverage limits for you or any persons injured in your automobile, regardless of who is at fault.
• Pays you and relatives in your household if injured while riding in most other automobiles or if struck by a motor vehicle.

Accidental Death

• Pays the coverage limit in case of death of the first named insured and spouse while occupying most automobiles or if killed as a pedestrian struck by a motor vehicle.
• Coverage can be extended to others at an additional charge.

Uninsured Motorists

• Pays legally collectable damages for covered losses if you or a relative in your automobile is killed or injured by an uninsured automobile.
• Coverage also extends to you and relatives in your household while driving certain non-owned automobiles and to other persons driving your automobile with your permission.

Collision

• Pays for covered loss and damage to your automobile caused by collision or upset, regardless of who is at fault.

Comprehensive (other than Collision)

• Pays for covered accidental loss or damage to your automobile from causes other than collision or upset.
• Pays a transportation allowance up to $30 per day if your car is stolen.
• Pays for damage to your car resulting from colliding with humans, animals or birds.

Emergency Road Service

• Emergency Road Service coverage will reimburse you for basic services like towing or a tire change. You can use any service provider you like for covered expenses and simply submit your receipt to your agent or our customer service department. The amount of coverage you select represents the highest amount you will be reimbursed for any single disablement.

Disability Income

• If you are disabled and unable to work as the result of a covered auto accident, disability income coverage will provide you with a weekly payment for up to one year. Coverage is not dependent on whether you were the driver or passenger, or even a pedestrian.
• Disability Income coverage may not be available in some states, but similar coverage may be available under state Personal Injury Protection plans.

Uninsured Motorists Property Damage

• Uninsured motorist property damage is a coverage that applies to your vehicle if another driver was at fault in an auto accident and didn't have current insurance. It will help pay to repair or replace your car.

Rental Reimbursement

• Rental reimbursement coverage helps you pay for reliable transportation while your car is out of commission after a covered loss. The amount of coverage you purchase represents the maximum amount we will pay for each day you use the rented vehicle, like $30 per day reimbursement, for up to 30 days.

GAP Insurance

• The minute you drive it off the sales lot, your new vehicle begins to depreciate. If you're involved in an accident during the first few years and your car is totaled, your collision coverage will help pay you the comparable value of your vehicle. This may not be enough to cover the loan you took out to purchase the car, leaving you "upside down." Gap Insurance pays, up to the policy limits, the difference between the comparable value of your vehicle and the amount you still owe on your loan.

Loss of Use

• Loss of use coverage will provide you with a single payment when your car is in the shop following a covered loss. Shelter offers coverage in many different amounts.

Additional automobile programs and discounts include the following:

48+ Program

You qualify for a lower rate if you or your spouse are 48 or over and there are:

• no unmarried operators of driving age under 25 in your household, or;
• a separate Shelter insured vehicle is rated for each unmarried operator in your household who is of driving age and less than age 25.

Good Driver Plan/Experience Rating Plan

Shelter Insurance believes that accident-free drivers have earned a better automobile insurance rate than those drivers who are involved in a chargeable accident. If you have not been involved in a chargeable accident for a specified period of time, your premium will be lower than those of similar policyholders with chargeable accidents.

Most Shelter Insurance policyholders enjoy an accident-free rate and will continue to have this rate as long as they are not involved in chargeable accidents. Policyholders who are involved in chargeable accidents will have a premium surcharge on Bodily Injury/Property Damage Liability, Medical Payments and Collision coverage (also PIP coverage in No Fault states).

The surcharge applies for three years and, if there are no other chargeable accidents within that time, the accident-free rate is reinstated.

Shelter General Insurance Company offers a similar plan called the Experience Rating Plan. This plan adjusts premiums and surcharges for traffic violations as well as chargeable accidents in all states.

Money Saving Discounts

• Good Student Discount – for good students (discount varies by rate class).
• Multi-Car Discount – if two or more eligible vehicles are insured with Shelter Insurance Companies (discount varies by rate class).
• Safe Driver Discount – when you have been an accident-free policyholder of Shelter Mutual Insurance Company for three years, you will receive a discount. After six years, this discount increases. Amount of discount varies by state. Safe Driver Discount is also available when you have been an accident-free policyholder of Shelter General Insurance Company for three years. After six years, this discount increases.

This information contains only a general description of coverages and is not a statement of contract. All coverages are subject to the provisions and exclusions of the policy. The coverages applying to your specific policy are limited to those that you select and are shown on your policy Declaration.

Let Shelter Insurance, which has more than 1,400 agents in our 14-state operating area, save you time and money when insuring your most valuable assets. To learn more about our company and all of our services, simply follow the links to our web site at www.shelterinsurance.com