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Auto Insurance Information Center

Coverage


Does 21st Century Insurance offer the ability to electronically sign applications and state specific coverage selection forms?
Yes, we do. The eSignature program offers our online and call center customers the ability to quickly and easily...

What is the difference between "Limited Tort" Option and "Full Tort" Option?
"Limited Tort" Option - The laws of the Commonwealth of Pennsylvania give you the right to choose a...

Do you offer extended warranty policies for automobiles?
21st Century Insurance does not currently offer automobile extended warranty contracts.

Does 21st Century Insurance offer non owner auto insurance policies?
21st Century Insurance does not offer any type of non owner auto insurance policies.

Does 21st Century Insurance offer boat insurance policies?
21st Century Insurance does not write boat insurance policies. However, we have relationships with ...

Does 21st Century Insurance offer insurance for ATVs?
21st Century Insurance does not write insurance policies for ATVs. However, we have relationships w...

Does 21st Century Insurance offer insurance on recreational trailers, utility trailers, and motor homes?
21st Century Insurance does offer insurance policies for both recreational and utility trailers as ...

Does 21st Century Insurance write Fleet vehicle policies?
21st Century Insurance only writes Personal Auto Insurance policies, but our parnter company, Farme...

What is Towing And Labor Coverage?
21st Roadside Assistance, includes 24-hour roadside assistance for all insured vehicles anywhere in the US and Canada...

I am relocating to Canada and was wondering if 21st Century Insurance offers auto insurance there?
At this time 21st Century Insurance does not currently offer an auto insurance program for resident...

Do you offer 6 or 12 month policy terms?
Automobile policies are only issued for 6 month policy terms. Annual automobile policies are not c...

What is Collision Coverage?
Collision Coverage protects your vehicle against direct and accidental loss by collision with anoth...

What are combined single limit policies (CSL)? Does 21st Century Insurance offer CSL policies?
Combined single limit provides a single limit of coverage applicable per accident for both bodily i...

What is Comprehensive Coverage?
Comprehensive Coverage (also known as "Other than Collision" coverage) is sometimes referred to as ...

I just bought a new car. What do I need to do to get it added to my policy so I have coverage?
First, congratulations on your new automobile. Getting coverage for your new vehicle is simple. You...

What is gap coverage? Does 21st Century Insurance offer gap coverage?
Gap coverage is available to provide coverage for the difference between the outstanding indebtedne...

Why has my policy been canceled?
If a policy is canceled by an insurance carrier it could be for a number of reasons. The answer to ...

What is Full Glass Coverage?
If chosen, your Comprehensive Coverage deductible may be waived for glass claims. This option is no...

What is covered under Towing/Labor Coverage?
If the towing were a result of a disablement (dead battery, broken fan belt, etc), the towing would...

If I rent a car do I need to purchase the Rental Car Company insurance?
If you have a policy with us and at least one of the vehicles on the policy has physical damage cov...

I reside in a state that requires my vehicle to be inspected for physical damage coverage, how do I go about getting it done?
If you reside in one of the four states that require your vehicle to be inspected for physical dama...

What is Extended Transportation Expense Coverage(Rental Reimbursement)?
If your vehicle should be temporarily disabled for more than a day due to a covered auto accident, ...

Does 21st Century Insurance write insurance policies for people with a DUI or DWI?
In most states we will accept applicants with one DUI, DWI or other major violation. To see if you ...

How is my coverage amount determined?
Initially we will ask you what coverage amount you would like. Usually this will be the amount on y...

How do I obtain replacement insurance ID cards?
Insurance ID cards are included for each insured vehicle with each 6-month new business policy and ...

Does 21st Century Insurance offer antique or classic car auto insurance?
Insurance products for the 21st Century Insurance Classic Auto program are underwritten by Foremost...

When will my lienholder be contacted with any changes to my vehicle(s)?
Lienholder's should receive confirmation of vehicle changes within 7-10 days business days of the c...

What is Medical Payments Coverage?
Medical Payments coverage pays up to a specified amount for injuries sustained by you and covered p...

What happens if I move to another state?
Moving to another state will require us to issue you a new policy. Please call our toll free custom...

What is Bodily Injury Liability Coverage?
Protects the insured as the owner or driver of a vehicle for all sums which the insured becomes leg...

When can I expect my renewal?
Renewals are generated and mailed 60 days in advance with the exception of New Jersey. New Jersey r...

What is Property Damage Liability Coverage?
Similar to Bodily Injury Liability but limited to damage caused by you to another person's property...

Why do you need to know about every driver in the household?
Since we write auto policies that cover specific vehicles, we need to consider all potential driver...

What is the process if my spouse and I are separated? Divorced?
Single Vehicle Policy. If the vehicle listed is registered solely to the Named Insured, a written re...

What forms are needed in the state of South Carolina?
The available forms and a brief description are listed below. You can open a .pdf version of the f...

What forms are needed in the state of Florida?
The available forms and a brief description are listed below. You can open a .pdf version of these...

What forms are needed in the state of Wyoming?
The available forms and a brief description are listed below. You can open a .pdf version of this ...

What forms are needed in the state of Alabama?
The available forms and a brief description are listed below. You can open a .pdf version of these ...

What forms are needed in the state of Arizona?
The available forms and a brief description are listed below. You can open a .pdf version of these ...

What forms are needed in the state of Arkansas?
The available forms and a brief description are listed below. You can open a .pdf version of these ...

What forms are needed in the state of New Jersey?
The available forms and a brief description are listed below. You can open a .pdf version of these ...

What forms are needed in the state of New York?
The available forms and a brief description are listed below. You can open a .pdf version of these ...

What forms are needed in the state of Alaska?
The available forms and a brief description are listed below. You can open a .pdf version of this f...

What forms are needed in the state of New Hampshire?
The available forms and a brief description are listed below. You can open a .pdf version of this f...

What forms are needed in the District of Columbia (Washington D.C.)?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of California?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Colorado?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Connecticut?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Delaware?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Georgia?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Idaho?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Illinois?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Indiana?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Iowa?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Kansas?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Kentucky?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Louisiana?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Maine?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Maryland?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Michigan?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Minnesota?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Mississippi?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Missouri?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Montana?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Nebraska?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Nevada?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of New Mexico?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of North Dakota?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Ohio?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Oklahoma?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Oregon?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Pennsylvania?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Rhode Island?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of South Dakota?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Tennessee?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Texas?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Utah?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Vermont?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Virginia?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Washington?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of West Virginia?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What forms are needed in the state of Wisconsin?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

What is Personal Injury Protection (PIP) (Basic Reparation Benefits in CT)?
The extent of coverage varies by state, but it generally pays for medical and rehabilitative expens...

Why do I have to pay for Uninsured Motorist coverage?
The name of this coverage is misleading, and is often mistaken as coverage for the other driver who...

What forms are needed in the state of Massachusetts?
There are no required Massachusetts forms at this time.

What are the forms for Hawaii?
There are no state specific forms for Hawaii. For more information on coverage in Hawaii, please go...

What is an SR-22 (FR-19 in DE, MD)?
This form is required of drivers who have been convicted of a serious violation, involvement in a s...

What is Underinsured Motorist Coverage?
Underinsured Motorist Bodily Injury Coverage pays for your injuries up to the policy limit when the...

What is Uninsured Motorist Coverage?
Uninsured Motorist Bodily Injury Coverage protects you and the occupants of your vehicle for bodily...

What is the 21st Roadside Assistance Program?
We are happy to announce a new benefit: 21st Roadside Assistance. This benefit combines 24-H...

I have an older car. Should I still purchase Comprehensive and Collision coverage?
When deciding whether to purchase physical damage (collision and other than collision), you should ...

What if I have medical coverage on my policy and I am hurt?
When your adjuster calls you, tell them that you have medical bills. The adjuster will handle every...

Do you offer umbrella liability policies?
Yes, we do offer Personal Umbrella liability policies to our current automobile policyholders. Lim...

Does 21st Century Insurance offer the ability to electronically sign applications and state specific coverage selection forms?
Yes, we do. The eSignature program offers our online and call center customers the ability to quick...

How do I add a driver to my policy? What will I need?
You have the option of adding a driver via our customer service website or by contacting our custom...

How do I add a vehicle to my auto policy? What will I need?
You have the option of adding a vehicle via our customer service website or by contacting our custo...

What is the process if a member of the household moves out?
You have the option of deleting a driver via our customer service website or by calling our custome...

How do I delete a vehicle off of the policy?
You have the option of deleting a vehicle via our customer service website or by calling our custom...

Does 21st Century Insurance offer flood insurance?
You may receive information on Flood Insurance from one of Customer Care Specialists by dialing 800...

Does my 21st Century Insurance auto policy cover me while driving in Canada and what proof of insurance do I need?
Your 21st Century Insurance auto policy will cover you while driving in Canada. You will need Canad...

Does my 21st Century Insurance policy cover me while in Mexico?
Your policy contract does not provide any coverage for losses that occur in Mexico. If you would li...

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