5/31/08

Insurance Companies Listed in Alphabetical Order

N

nacre.com - NAC Re
nakhodkare.com/english%5Fhome.html" >Nakhodka Re
ngic.com - National General Insurance
nationalguardian.com - National Guardian Life
nationalindemnity.com - National Indemnity
nlv.com - National Life of Vermont
Nationwide Re
ncmic.com - NCMIC Insurance Company
tnic.com - Netherlands Insurance Companies
tne.com/default.htm">New England Life
nycm.com - New York Central Mutual Fire
newyorklife.com - New York Life
nysif.com - New York State Insurance Fund
nissanins.co.jp - Nissan Fire & Marine nlcinsurance.com - NLC
nobel.com - Nobel Insurance Group
nmicfb.com - Nodak Mutual Insurance Company
niac.org - Nonprofits' Insurance Alliance of California
norcalmutual.com - NORCAL Mutual
nclife.com - North Coast Life
northernlifetsa.com - Northern Life
northland%2Dinsurance.com - Northland Insurance Companies
northwesternmutual.com - Northwestern Mutual Life

O

ohic.com - OHIC Insurance Company
ohiobwc.com - Ohio Bureau of Workers Compensation
ocas.com - Ohio Casualty Group
ohionatl.com - Ohio National Life
fb.com/okfb - Oklahoma Farm Bureau
oldguard.com - Old Guard Insurance
kayegroup.com - Old Lyme Insurance Company of Rhode Island
oric%2Dhb.com - Old Republic Insurance Company
onyxgrp.com - Onyx Insurance Group
omic.com - Ophthalmic Mutual Insurance Company
ormutual.com - Oregon Mutual
gnic.com - OrionAuto
orioncapital.com - Orion Group

P

eig.com - Pacific Eagle Insurance Company
pacificlife.com - Pacific Life
superior.com - Pacific Rim Assurance
mcgrawgroup.com/overview.htm - Pacific Specialty Insurance Company
palic.com - Pan-American Life
partnersmutual.com - Partners Mutual Insurance Company
patrons.com - Patrons Oxford Mutual
greins.com - Peerless Insurance
pekininsurance.com - Pekin Insurance
pemcoins.com - PEMCO
pennamerica.com - Penn-America Group
pennmutual.com - Penn Mutual Life
pennnationalinsurance.com - Penn National
phmic.com - Pharmacists Mutual Insurance Company
phico.com - PHICO
phlyins.com - Philadelphia Insurance Companies
phl.com - Phoenix Home Mutual Life
pmic.com - Physicians Life Insurance Company
pmic.com - Physicians Mutual
pmare.com - PMA Re
pminsco.com - Preferred Mutual Insurance Company
preferredrisk.com - Preferred Risk Mutual
premierber.com - Premier Life (Bermuda)
premierlux.com - Premier Life (Luxembourg)
presidentiallife.com - Presidential Life
principal.com - Principal Financial Group
Principal.cl - Principal Vida Chile
progressive.comProgressive
insurancecanada.ca/promutuel - Promutuel
promutual.com - Protection Mutual Insurance
protective.com - Protective Life Corporation
theprovident.com - The Provident
providentmutual.com - Provident Mutual Life
prudential.com - Prudential
pxre.com - PXRE Re
pyramidlife.com - Pyramid Life

Q

None

R

reciprocalgroup.com - Reciprocal Group
reliancedirect.com - RelianceDirect
rgh.com - Reliance Group Holdings
relianceinsurance.com - Reliance Insurance Company
http://reliancenational.com - Reliance National
reliancesurety.com - Reliance Surety
reliantinsurance.com - Reliant Insurance
reliastar.com - ReliaStar Insurance
rlicorp.com - RLI Corp
http://rockinghamgroup.com - Rockingham Group
royal%2Dcanada.com - Royal & Sun Alliance (Canada)
royal%2Dgroup.co.uk - Royal & Sun Alliance (UK)
royalsunalliance.com - Royal & Sun Alliance (US)

S

safeco.com - Safeco
saif.com - SAIF Corporation
finance%2Dsamsung.com/index1.htm">Samsung Fire & Marine
scor.com - SCOR Group
http://seaboard.com - Seaboard Life
reliastar.com - Security-Connecticut Life
lon.com - Security First
ing%2Dslr.com - Security Life Reinsurance
smlny.com - Security Mutual Life Insurance Co. of New York
stgcofbalt.com - Security Title Guarantee of Baltimore
seibels.com - Seibels Bruce Group
selectiveinsurance.com - Selective Insurance
sentry%2Dinsurance.com - Sentry Insurance
shelterins.com - Shelter Insurance Companies
shenlife.com - Shenandoah Life
captive.com/service/signetstar/index.cfm">Signet Star Re
skandia.com - Skandia
soremana.com - Sorema NA Re
scfbins.com/facts.htm">South Carolina Farm Bureau Mutual
southernheritage.com - Southern Heritage Insurance Company
southernunited.com - Southern United
stpaul.com - St. Paul Fire & Marine
stpaulre.com - St. Paul Re
standard.com - Standard Insurance Company
standard%2Dusa.comStandard Life (Indiana)
state%2Dauto%2Dins.com - State Auto Insurance
scif.com - State Compensation Insurance Fund
statefarm.com - State Farm Insurance
sfmic.com - State Fund Mutual
state.nv.us/siis - State Industrial Insurance System
http://sterlingins.com - Sterling Insurance Company
dnp%2Dsp.co.jp/32/sumitomo%2Dmarine/MAK1E.HTM">Sumitomo Marine
sunamerica.com - SunAmerica
sunlife.com - Sun Life
superior.com - Superior National Insurance Company
superior.com - Superior Pacific
swissre.com - Swiss Re
swissreamerica.com - Swiss Re America

T

http://teachers.pptnet.com/main.htm">Teachers Protective Mutual Life Insurance Company
tbic.com - Texas Builders Insurance Company
tig1.com - TIG Holdings
tmglife.com - TMG Life
tokiomarine.co.jp/index%2De.html" >Tokio Marine
http://users.deltanet.com/users/insure - TOPA Insurance Company
torchmarkcorp.com - Torchmark Corporation
transamerica.com - Transamerica
transre.com - Transatlantic Re
travelers.com - Travelers
unitrin.com/pci.htm">Trinity Universal
20thcenturyinsurance.com - 20th Century Insurance

U

unicoverre.com - UnicoverRe
unigard.com - Unigard
uins.com - Union Insurance Company
us.fortis.com - Union Security Life
unitedamerican.com/default.htm">United American Insurance Company
ue.org">United Educators
unitedheritage.com - United Heritage Mutual Life
utaic.com - United Teachers Associates Insurance Company
unity%2Dlife.com - Unity Life
uuic.com - Universal Underwriters
unum.com - UNUM
usaa.com/cp%5Faboutusaa.asp">USAA
usau.com - United States Aircraft Insurance Group)
uslife.com - US Life
usfg.com - USF&G
uticafirst.com - Utica First Insurance Company
uticanat.com/index.cfm">Utica National

V

http://val%2De.com - Valley Insurance Group
verlan.com - Verlan Fire Insurance Company
veteranslife.comVeterans Life Insurance Company
viaticus.com - Viaticus
vamutualins.com - Virginia Mutual Insurance Company

W

warriorinsurance.com - Warrior Insurance Group
conseco.com/about/biz%5Fwnico.htm">Washington National Life
wausau.com - Wausau
webriskins.com - Web Risk Insurance
westbendmutual.com - West Bend Mutual
westernamericanlife.comWestern American Life
westernnational.com - Western National Life
westernreserve.com - Western Reserve Life
westernsouthernlife.com - Western Southern Life
westfield%2Dcos.com - Westfield Companies
westfield%2Dcos.com/lifpg.htm">Westfield Life
wmic.com - White Mountain Insurance Company
autoinsure.com - Windsor Group
wilmic.com - Wisconsin Lawyers Mutual Insurance Company
wcf%2Dutah.com - Workers Compensation Fund of Utah

X

None

Y

yasuda.co.jp/index%5Fe.html" >Yasuda Fire & Marine

Z

thezenith.com - Zenith National
zurich.com - Zurich
zurichamerican.com - Zurich American
zurcan.com - Zurich Canada
zurichcommercial.com - Zurich Commercial
zurichdirect.com - Zurich Direct
zurichpersonal.com - Zurich Personal
zurichre%2Dna.com - Zurich Re (North America)
zurichsmallbusiness.com - Zurich Small Business
zurichbusiness.ch/home.html" >Zurich Switzerland

Insurance Companies Listed in Alphabetical Order

A

Acacia Group
Accredited Surety and Casualty Company
Admiral Insurance
AEGON
Aetna
AFLAC
Agway Insurance Company
Aid Association for Lutherans
AIG Domestic Life Companies
Alfa Insurance
Allendale Mutual
Alliance General Insurance Company
Alliance Insurance Companies
Allianz
Allianz Deutschland
Allianz Life of North America
Allied Group
Allmerica Financial
Allstate
AmComp
American Agents Insurance Company
American Agrisurance
American Bankers Insurance Group
American Chambers Life Insurance Company
American Community
American Credit Indemnity
American Family Insurance
American Fidelity & Liberty Insurance Company
American International Group, Inc.(AIG)
American Medical Security
American Mercury
American Financial Group, Inc.
American General Corporation
American Merchants Casualty Company
American National Property & Casualty
American Re
American Reliable Insurance Company
American Security Group
American United Life
Amerisure
Ameritas Life Insurance
AmerUs Life
Amica
Amwest Insurance Group, Inc.
Anthem Health & Life Insurance Company
AON
Arbella
Argonaut Insurance Company
Arkwright
Armed Forces Benefit Assoc.
Armed Forces Insurance
Army & Air Force Mutual Aid Association
Asset Guaranty Insurance Company
Attorneys Liability Protection Society
Atlantic Mutual Companies
Aurora Life
Auto-Owners
Avomark
AXA Group

B

badgermutual.com - Badger Mutual Insurance Company
baltlife.com - Baltimore Life Companies
bankersinsurance.com - Bankers Insurance Group
conseco.com - Bankers National Life
theberkshire.com - Berkshire Life
bluecares.com - Blue Cross/Blue Shield
bmiconline.com - Brethren Mutual
brotherhoodmutual.com - Brotherhood Mutual Insurance Company
buckeyeins.com - Buckeye State Mutual
bma.com - Business Men's Assurance Company of America

calfarm.com - CalFarm
camico.com - CAMICO Mutual Insurance Company
canadalife.com - Canada Life
capitolindemnity.comCapitol Indemnity
catholicaid.qpg.com - Catholic Aid Association
cfli.org - Catholic Family Life
execpc.com/%7Eckis - Catholic Knights Insurance Society
cbic.com - CBIC (Contractors Bonding Insurance Company)
celinagroup.com - Celina Insurance
celticnet.com - Celtic Life
centenniallife.com - Centennial Life
centralinsurance.com - Central Insurance Companies
centralsecuritylife.comCentral Security Life
cso.com - Central States Health & Life
centrere.com - Centre Re
cguinsurance.net/body.html" >CGU Insurance
championslife.comChampions Life
charterins.com - Charter Insurance Companies
chartwellre.com - Chartwell Re
chubb.com - Chubb
cigna.com - CIGNA
cinfin.com - Cincinnati Insurance Companies
allmerica.com - Citizens Insurance Company
cseinsurance.com - Civil Service Employees Insurance Group
cna.com - CNA
cnare.com - CNA RE
cnicnet.com - Coast National Insurance Company
gcr.com/GCR.nsf/Doc/AboutUs">Cologne Re
colonialinsurance.com - Colonial Life of Texas
cpdirect.com - Colonial Penn Insurance Company
colonyins.com - Colony Insurance
columbuslife.com - Columbus Life
commtravel.com - Commercial Travelers Mutual Insurance Company
cuusa.com - Commercial Union
culife.com - Commercial Union Life
comrisk.com - Commonwealth Risk
condorins.com - Condor Insurance
conseco.com - Conseco
continentalgeneral.com - Continental General
cooperators.ca - Co-operators General Insurance Company
copic.com - COPIC Insurance Company
cottonstatesinsurance.com - Cotton States Insurance
countryfinancial.com - Country Insurance & Financial Services
cfins.com - Crum & Forster
cumberlandgroup.com - Cumberland Group
cunamutual.com - CUNA Mutual

D

deltadental.com - Delta Dental
discoverre.com - Discover Re
thedoctors.com - The Doctors Company
dodsongroup.com - Dodson Group
donegalgroup.com - Donegal Insurance Group
dpic.com - DPIC Insurance Company
dhgroup.com - Duncanson & Holt Group

E

eig.com - Eagle Insurance Group
eig.com - Eagle Pacific Insurance Company
eaglestarre.com - Eagle Star Re
edic.com - Eastern Dentists Insurance Company
ebico.com - EBI
ecoverage.com - eCoverage.com
electricinsurance.com - Electric Insurance Company
empirefireandmarine.com - Empire Fire & Marine
ercgroup.com - Employers Re
equitable.com - Equitable Companies
equilife.com - Equitable Life & Casualty
erieinsurance.com - Erie Insurance
markelcorp.com - Essex Insurance Company
execrisk.com - Executive Risk
icwgroup.com/products/explor.html" >Explorer Insurance Company

F

factorymutual.com - Factory Mutual System
farwestservices.com - Far West Insurance Company
fami.com - Farmers Alliance Mutual Insurance Company
farmers.com - Farmers Insurance Group
fmh.com - Farmers Mutual Hail Insurance Company of Iowa
farmersmutual.com - Farmer's Mutual Insurance Company (WV)
farmerslindsay.com - Farmer's Mutual Insurance Company (Lindsay)
fedfirst.com - Federated National Insurance (FedFirst)
fccigroup.com - FCCI
http://thefund.com - Fireman's Fund
firstcolonylife.com - First Colony Life
http://firstlife.com.jm/corporate/index.cfm">FirstLife of Jamaica
firstnonprofit.com - First Nonprofit Companies
firstpenn.com - First Penn-Pacific Life
firstrehab.com - First Rehabilitation Life
http://nervm.nerdc.ufl.edu/%7Effbic/ffbf.html" >Florida Farm Bureau
fpic.com - Florida Physicians Insurance Company
flic.com - Florists' Life Insurance Company
floristsmutual.com - Florists' Mutual Insurance Company
fmiweb.com - FMI Insurance Co
foremost.com - Foremost
forethought.com - Forethought Life
fortis.com" >Fortis Group
fortisbenefits.us.fortis.com - Fortis Benefits Insurance Company
ffg.us.fortis.comFortis Financial Group
health.us.fortis.comFortis Health
fortisltc.comFortis Long Term Care
fmins.com - Frankenmuth Mutual franklininsurance.com - Franklin Insurance Company
fmic.com - Fremont Mutual
frontierhealthcare.net - Frontier Healthcare
frontierins.com - Frontier Insurance
fulcrumins.com - Fulcrum Insurance Company

G

gainsco.com - GAINSCO Insurance Company
gamaweb.com - GAMA
gancanada.com - GAN-Canada
gsic.com - Garden State Indemnity
gardenstate.com - Garden State Life
geico.com - GEICO
genaccus.com - General Accident
genacc.ca - General Accident Group (Canada)
genam.com - General American Life
gencas.com - General Casualty
gencas.com - General Casualty
gcr.com/GCR.nsf/Doc/AboutUs">GeneralCologneRe
gcr.com/GCR.nsf/Doc/AboutUs">General Re Corporation
generali.com/e%5Fhome.html" >Generali Group
gerlingamerica.com - Gerling America Insurance Company
renre.com - Glencoe Re
equiselect.com - Golden American Life
goldenrule.com - Golden Rule Insurance Company
gsmlife.com - Golden State Mutual Life
graindealers.com - Grain Dealers Mutual
grangeinsurance.com - Grange Insurance
grayinsco.com - Gray Insurance Company
greins.com - GRE Insurance Group
gaic.com - Great American Insurance
greatnorthwest.com - Great Northwest Insurance Company
gwla.com - Great West Life & Annuity Company
gmrc.com - Grinnell Mutual Group
grocins.com - Grocers Insurance
guar.com - Guarantee Life
guard.com - Guard Insurance Group
theguardian.com - Guardian Life
preferredrisk.com - Guidant Insurance Group

I

igfinsurance.com - IGF Insurance Company
illinoismutual.com - Illinois Mutual Life
iprf.com - Illinois Public Risk Fund
infarmbureau.com - Indiana Farm Bureau
ilmic.com - Indiana Lumbermens Insurance Company
indianapolislife.com - Indianapolis Life
industrialrisk.com - Industrial Risk Insurers
inalco.com/english/index.htm">Industrial Alliance Life Insurance Company
infinityinsurance.com - Infinity Group
icwgroup.com - Insurance Company of the West
insurors.com - Insurors Indemnity Company
gmacpolicy.com - Integon Corporation (GMAC Insurance)
intercargo.com - Intercargo Insurance Company
ific.com - International Fidelity Insurance Company
irishlifeusa.com - Irish Life of North America
isbamutual.com - ISBA Mutual Insurance Company
itthartford.com - ITT Hartford

J

jacksonnational.com - Jackson National Life
jeffgroup.com - Jefferson Insurance Group
jpfinancial.comJefferson Pilot Financial
jalden.com - John Alden Life
deere.com/insure/index.htm">John Deere Insurance Company
jhancock.com - John Hancock Mutual Life

K

kclife.com - Kansas City Life
kfbs.com/kfbl - Kansas Farm Bureau Life
kemperinsurance.com - Kemper
kemperre.com - Kemper Re
kemi.com - Kentucky Employer's Mutual Insurance
fb.com/kyfb/kfb.htm">Kentucky Farm Bureau
keyport.com - Keyport Life
gcr.com/GCR.nsf/Doc/AboutUs">Kolnische Ruckversicherungs-Gesellschaft AG
koreanre.co.kr/eindex.htm">Korean Re

L

llic.com - Lafayette Life
lsic.com - Lake States Insurance Company
ltic.com - Lawyers Title Insurance Corporation
lib.com - Liberty Financial Companies
libertymutual.com - Liberty Mutual
libnat.com - Liberty National Life
annuity.com/lswco.html" >Life Insurance Company of the Southwest
lifeinvestors.com - Life Investors Insurance Company
lifeofva.com - Life of Virginia
lincolnmutual.com - Lincoln Mutual Life
lnc.com - Lincoln National Corporation
lincolnre.com - Lincoln Re
reliastar.com - Lincoln Security Life
lititzmutual.com - Lititz Mutual
lloydsoflondon.co.uk - Lloyds of London
lon.com - London Life
londonpacific.com - London Pacific Life & Annuity Company
lrg.com - London Reinsurance Group
lumberins.com - Lumber Insurance Companies
luthbro.com - Lutheran Brotherhood
lwcc.com - Louisiana Workers Compensation Corp

M

msagroup.com/home/noswap%5Findex.htm">Main Street America Group
managedcomp.com - Managed Comp
manulife.com - Manufacturers Life
maritimelife.ca - Maritime Life
markelcorp.com - The Markel Companies
mncic.comMaryland Netherlands Credit
masscasualty.com - Massachusetts Casualty Insurance Company
massmutual.com - Mass Mutual
mcgrawgroup.com - McGraw Group
meadowbrookinsgrp.com - Meadowbrook Insurance Group
medescrow.com - The Medical Escrow Society
medmarc.com - MEDMARC Mutual Insurance Company
mendotainsurance.com - Mendota Insurance Company
mbins.com - Merchants & Business Men's Mutual Insurance Company
meridianins.com - Meridian Insurance
metlife.com - Met Life
meemic.com - Michigan Educational Employees Mutual Insurance Company
mpmlc.com - Michigan Physicians Mutual Liability Company
midlandrisk.com - Midland Companies
mnlife.com - Midland National Life
preferredrisk.com - Midwest Mutual Insurance Company
mmico.com - Millville Mutual
mlmins.com/Default.htm">Minnesota Lawyers Mutual Insurance Company
minnesotamutual.com - Minnesota Mutual
mmicompanies.com - MMI Companies, Inc.
monroeguaranty.com - Monroe Guaranty Insurance Company
jeffgroup.com - Monticello Insurance Company
mongen.com - Monumental General Life
mmutual.com - Montgomery Insurance Companies
youknowus.com - Motorists Mutual
marclife.com - Munich Amercian Reassurance Company
munichre.com - Munich Re
themutualgroup.com - The Mutual Group
mutualofenumclaw.com - Mutual of Enumclaw
mony.com - Mutual of New York
mutualofomaha.com - Mutual of Omaha
mutualtrust.com - Mutual Trust Life

CONSUMERS: AUTO PREMIUM QUOTE TOLL FREE NUMBERS

(As of January 11, 2008)

Assembly Bill (AB) 2677 was passed by the State Legislature to help consumers shop for a personal auto insurance policy. Effective January 1, 2005, the law requires every admitted insurer selling private passenger automobile insurance policies to provide consumers with a cost estimate of its lowest priced personal auto policy at the limits the consumer requests and for which the consumer is eligible. This mandate may be met by either (1) maintaining a toll-free telephone and/or (2) maintaining an Internet Web site where consumers can obtain a cost estimate or be referred to an insurance agent/broker who will provide the estimate.
AB 2677 also requires insurer information regarding the toll-free telephone number and/or Web site to be provided to the California Department of Insurance (Department). The Commissioner has made this information available on the Department's Internet Web site and consumer toll-free telephone line (800) 927-4357.

Following is the list of insurers and their respective telephone and/or Web address information. Note: This list is not all inclusive, as the Department continues to collect the insurers' data. The information on this Web site will be updated frequently, so please be sure to visit this site again for the latest information.

INSURER NAME
TELEPHONE
WEB SITE ADDRESS

21ST CENTURY CASUALTY COMPANY (800) 211-7283 www.21st.com
21ST CENTURY INSURANCE COMPANY (800) 211-7283 www.21st.com
AIG INDEMNITY INSURANCE COMPANY www.aigdirect.com
AIU INSURANCE COMPANY www.aigdirect.com
ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY (800) 282-1446 www.alliedinsurance.com
ALLSTATE INDEMNITY COMPANY (800) 557-8283 www.allstate.com
ALLSTATE INSURANCE COMPANY (800) 557-8283 www.allstate.com
ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY (800) 557-8283 www.allstate.com
AMCO INSURANCE COMPANY (800) 282-1446 www.alliedinsurance.com
AMERICAN ECONOMY INSURANCE COMPANY (800) 472-3326
AMERICAN HOME ASSURANCE COMPANY www.aigdirect.com
AMERICAN INTERNATIONAL INSURANCE COMPANY OF CALIFORNIA, INC. www.aigdirect.com
AMERICAN STATES INSURANCE COMPANY (800) 472-3326
AMERICAN STATES INSURANCE COMPANY OF TEXAS (800) 472-3326
AMERICAN STATES PREFERRED INSURANCE COMPANY (800) 472-3326
ATLANTIC MUTUAL INSURANCE COMPANY www.atlanticmutual.com
AXA RE AMERICA INSURANCE COMPANY (866) 729-8999
CALIFORNIA CASUALTY INDEMNITY EXCHANGE (THE) www.calcas.com
CENTENNIAL INSURANCE COMPANY www.atlanticmutual.com
CLARENDON NATIONAL INSURANCE COMPANY (800) 333-5553
COAST NATIONAL INSURANCE COMPANY (800) 888-0080
DANIELSON INSURANCE COMPANY www.naicc.com
DANIELSON NATIONAL INSURANCE COMPANY www.naicc.com
DEERBROOK INSURANCE COMPANY (800) 349-7342 www.deerbrook.com
DEPOSITORS INSURANCE COMPANY (800) 282-1446 www.alliedinsurance.com
DELOS INSURANCE COMPANY (800) 203-1179 www.delosinsurance.com
ENCOMPASS INSURANCE COMPANY www.encompassinsurance.com
EVEREST NATIONAL INSURANCE COMPANY http://www.everestnational.com/
FARMERS INSURANCE EXCHANGE www.farmers.com
FEDERAL INSURANCE COMPANY www.chubb.com/
FIDELITY NATIONAL INSURANCE COMPANY (866) 699-1885 www.fnf.com

FINANCIAL INDEMNITY COMPANY www.unitrinspecialty.com
FIREMAN'S FUND INSURANCE COMPANY (800) 633-6006 www.firemansfund.com
FIRST NATIONAL INSURANCE COMPANY OF AMERICA (800) 472-3326
GEICO CASUALTY COMPANY (800) 841-3000 www.GEICO.com
GEICO GENERAL INSURANCE COMPANY (800) 841-3000 www.GEICO.com
GEICO INDEMNITY COMPANY (800) 841-3000 www.GEICO.com
GENERAL INSURANCE COMPANY OF AMERICA (800) 472-3326
GLENS FALLS INSURANCE COMPANY (THE) www.encompassinsurance.com
GOVERNMENT EMPLOYEES INSURANCE COMPANY (800) 841-3000 www.GEICO.com
GRANITE STATE INSURANCE COMPANY www.aig4auto.com
GUIDEONE MUTUAL INSURANCE COMPANY (877) 448-4331
GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY (877) 448-4331
HARBOR SPECIALTY INSURANCE COMPANY (800) 233-2442
HARTFORD CASUALTY INSURANCE COMPANY www.thehartford.com
HARTFORD UNDERWRITERS INSURANCE COMPANY www.thehartford.com
HORACE MANN INSURANCE COMPANY (800) 999-1030
HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY (800) 999-1030
HUDSON INSURANCE COMPANY (866) 836-7064 www.hudsoninsgroup.com

INFINITY INSURANCE COMPANY (800) 782-1020
INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB (877) 222-1445 www.aaa.com

KEMPER INDEPENDENCE INSURANCE COMPANY (877) 252-7878 www.ekemper.com

LIBERTY MUTUAL FIRE INSURANCE COMPANY (800) 837-5254 www.libertymutual.com
MARKEL AMERICAN INSURANCE COMPANY (800) 236-2862
MARYLAND CASUALTY COMPANY (800) 208-1003

MERCURY INSURANCE COMPANY (800) 956-3728 www.mercuryinsurance.com
MERASTAR INSURANCE COMPANY (800) 637-2782 www.merastar.com
MGA INSURANCE COMPANY (800) 552-2463
MID-CENTURY INSURANCE COMPANY www.farmers.com
NATIONAL AMERICAN INSURANCE COMPANY OF CALIFORNIA www.naicc.com
NATIONAL INTERSTATE INSURANCE COMPANY (800) 929-1500 www.nationalinterstate.com
NATIONWIDE INSURANCE COMPANY OF AMERICA (800) 282-1446 www.alliedinsurance.com
NORTHBROOK INDEMNITY COMPANY (800) 349-7342 www.deerbrook.com
NORTHERN INSURANCE COMPANY OF NEW YORK (800) 208-1003
NORTHWESTERN PACIFIC INDEMNITY COMPANY www.chubb.com/
OREGON MUTUAL INSURANCE COMPANY (800) 444-7012 www.ormutual.com
PACIFIC INDEMNITY COMPANY www.chubb.com/
PACIFIC PROPERTY AND CASUALTY COMPANY www.anpac.com
PACIFIC SPECIALTY INSURANCE COMPANY (800) 303-5000 or (800) 828-3003 www.psic-onespot.com
PERMANENT GENERAL ASSURANCE CORPORATION (800) 582-6401
www.pgac.com

PROGRESSIVE CHOICE INSURANCE COMPANY (888) 464-3841
PROGRESSIVE WEST INSURANCE COMPANY (888) 464-3841
REDLAND INSURANCE COMPANY (800) 937-3965
SAFECO INSURANCE COMPANY OF AMERICA (800) 472-3326 www.safeco.com

SAFECO INSURANCE COMPANY OF ILLINOIS (800) 472-3326
www.safeco.com
SAFEWAY DIRECT INSURANCE COMPANY (888) 581-3700 www.safewaydirect.com
SAFEWAY INSURANCE COMPANY (800) 807-2339 www.safewayins.com
STANDARD FIRE INSURANCE COMPANY www.travelers.com
STATE FARM FIRE AND CASUALTY COMPANY www.statefarm.com
STATE FARM GENERAL INSURANCE COMPANY www.statefarm.com
STATE FARM MUTUAL AUTO INSURANCE COMPANY www.statefarm.com
SUTTER INSURANCE COMPANY (800) 530-1124 www.sutterinsurance.com

TOKIO MARINE & NICHIDO FIRE INSURANCE COMPANY, LTD (866) 791-7571
TWIN CITY FIRE INSURANCE COMPANY www.thehartford.com
UNITRIN AUTO AND HOME INSURANCE COMPANY (877) 252-7878 www.ekemper.com

UNITRIN DIRECT INSURANCE COMPANY (800) 253-7744 www.unitrindirect.com
UNITRIN DIRECT PROPERTY & CASUALTY COMPANY (800) 253-7744 www.unitrindirect.com
VICTORIA FIRE & CASUALTY COMPANY
VIGILANT INSURANCE COMPANY www.chubb.com/
VIKING INSURANCE COMPANY OF WISCONSIN (800) 334-0090
WAWANESA GENERAL INSURANCE COMPANY (800) 640-2920 www.wawanesa.com
WAWANESA MUTUAL INSURANCE COMPANY (THE) (800) 640-2920 www.wawanesa.com
WESTERN UNITED INSURANCE COMPANY (800) 207-3618
WORKMEN'S AUTO INSURANCE COMPANY (800) 737-1757

Inside Insurance: Changes coming to uninsured motorist auto coverage

By David Colmans

Most drivers fear, with good reason, a traffic crash with an uninsured or underinsured driver.

If it happens, there’s a good chance it’s going to cost you money unless you have uninsured/underinsured motorist coverage on your auto policy.

Even if you have the coverage and the other driver is underinsured, a serious accident that does significant damage to your car or badly injures you or your passengers could cause serious financial problems ahead.

With the recent enactment of Georgia Senate Bill 276, there is important information regarding an additional choice in UM/UIM coverage that you need to know.

The new law, which applies to private passenger auto insurance, requires that you either select or reject UM/UIM coverage with a new feature.

Currently, the law states that when you purchase UM/UIM coverage and are in an accident with an underinsured driver, the at-fault driver’s liability coverage is deducted from your UM/UIM coverage when determining the amount to be paid after the accident for injuries and property damage.

Starting with policy renewals in 2009, another coverage option will be available:

• (The new option) UM/ UIM coverage in which the policyholder’s UM/UIM coverage is added on top of the at-fault driver’s liability insurance, to the extent of proven damages, or;

• (current law) UM/UIM coverage in which the at-fault driver’s liability coverage is subtracted from the policyholder’s UM/UIM coverage, or,

• (also current law) No UM/UIM coverage is purchased.

Here’s how you will choose which option is best for you. If you currently have UM/UIM coverage and take no action prior to your next policy renewal, you will receive, and pay for, the additional UM/UIM coverage, also known as “stacked” coverage. Because this option will provide additional coverage, it is likely to cost more than your current UM/UIM coverage.

If you do not want the enhanced UM/UIM coverage, you must opt-out of it using a form that will be sent to you by your insurance agent or company.

If you have already rejected UM/UIM coverage, in writing, and you take no action you will continue to have no UM/UIM coverage.

Georgia insured motorists will receive from their insurer at least 45 days prior to their policy renewal notification of this change in Georgia law, and will be asked to make a choice as to what coverage choice they want.

The new law that goes into effect in 2009 states that if you currently have UM/UIM coverage, and you do not respond to your insurer, you will automatically receive the enhanced coverage that may include a higher UM/UIM premium.

If you opt-out for the enhanced coverage, you will continue to be insured for UM/UIM as before. Selecting the additional UM/UIM coverage option may be important to some drivers, and less important to others. The key is that the new law gives motorists another choice when determining the right amount of coverage for themselves and their families.

Look for your 2009 auto insurance policy renewal notice that will advise you about this potential change in your coverage. Ask your agent or company if you have questions.