AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE.

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1 AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE

2 Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to personal service is your everyday assurance of competitive rates, easy access to critical information and rapid response to your individual needs. Our History Since 1887, Armed Forces Insurance (AFI) has existed with a single, unwavering purpose: To protect the people who protect our nation. AFI was created and continues to be led by former military leaders. We understand and reflect your commitment to duty, honor, and integrity and we recognize the special needs of Department of Defense employees both military and civilian. Armed Forces Insurance is a reciprocal exchange, a type of cooperative insurer in which the policyholders bear a relationship to each other. In other words, AFI is owned by the policyholders.

3 AFI Automobile Insurance Policy AFI has been a specialist in property and casualty insurance for the nation s uniformed leaders for more than a century and offers auto insurance in a number of states. This brochure offers a quick summary of AFI s comprehensive auto insurance. For an accurate quote, it may be necessary to discuss specific details with an AFI service representative. Contact us at or us at auto@afi.org. AFI s auto insurance can cover the following: Liability Protection: Bodily injury or property damage you cause to others with your vehicles if you are found responsible for an accident. Comprehensive and Collision Protection: The expense of repairing or replacing your damaged property. This damage can be the result of a collision (the upset of your vehicle or its impact with another vehicle or object) or other damages or losses.

4 Auto Insurance with AFI Coverage created with the unique needs of Military and DoD personnel in mind.

5 Liability Protection: Bodily Injury Liability Protection Applies if a covered driver is found to be legally liable in an auto accident for the injury or death of another person. Property Damage Liability Protection Applies if a covered driver is legally liable in an accident in which another person s auto or property is damaged. Medical Payments Coverage Pays for doctor, hospital and surgical expenses incurred by covered persons as a result of an auto accident regardless of fault. Personal Injury Protection Typical coverage applies for medical expenses, funeral expenses, loss of services and loss of income from an automobile accident for covered persons without determining fault. Air Bag and Seat Belt Endorsement Provides a death benefit or excess medical benefit of $10,000 if a covered person is injured or killed in an auto accident while wearing a seat belt or in a vehicle with an air bag. No additional premium. Available in some states. Uninsured and Under Insured Motorist Coverage Compensation subject to policy limits you select, for bodily injury arising out of an auto accident when the legally liable driver has no insurance or too little insurance as defined in the policy. Policy limits determine the amount of protection you have in the event of a liability claim. In addition to our policy, we offer qualifying members a separate umbrella policy to provide extra liability protection. Auto insurance protection from a company that understands your needs.

6 AFI Auto Insurance Comprehensive and Collision Protection: Comprehensive Coverage This coverage pays, minus your deductible, for damage to your vehicle not caused by a collision, such as theft, vandalism, wind and hail, fire, flood, etc. Collision Coverage This coverage pays for repairs to your vehicle up to its actual cash value, minus your deductible, if your vehicle is damaged in an accident. Comprehensive coverage required in order to carry collision coverage. Electronic Equipment Coverage If you purchase comprehensive coverage, in most states your AFI policy applies for loss of or damage to electronic equipment that is permanently installed in your vehicle. There is no coverage for radar detectors. Air Bag Replacement Coverage Repairs or replaces an air bag that deploys for any reason with no policy deductible. Not available in all states.

7 Replacement Vehicles and Additional Vehicles Covers replacement and additionally acquired private passenger autos for 30 days. Based on the best coverage and limits for vehicles you already have insured. Pickups and vans with gross vehicle weight less than 10,000 pounds are also covered with some exceptions involving the vehicle s use. Additional or replacement vehicles must be reported to us within 30 days; the policy will be amended to add the vehicle effective on the day the vehicle was acquired. Optional Coverages Offer Even More Security: Rental Reimbursement Pays the cost of a rental vehicle if you have an accident and need a replacement while yours is being repaired. Various coverage options subject to a 30-day limit for each incident. Mileage charges are not covered. Roadside Assistance Provides 24/7 emergency roadside assistance if your insured vehicle is disabled. Includes towing & flat tire assistance, fuel, oil, fluid & water delivery, lock-out assistance, battery assistance and winching and extrication. Conditions apply. Not yet available in Virginia. Towing and Labor Endorsement Pays reasonable towing charges and/or up to one hour of labor repair charges for repairs made at the place of disablement when a breakdown, flat tire or similar incident occurs. Available in Virginia Only Non-Owned Vehicle Coverage Extends coverage to an auto you occasionally borrow or rent. Conditions apply. Customizing Equipment Coverage Adds stated amount coverage for damage to customized or added equipment to your auto. High-value custom cars are not eligible. Auto Loan/Lease Coverage Both collision and comprehensive coverage may be extended to pay the difference between the outstanding loan/lease amount on a new vehicle, and the actual cash value of the vehicle, subject to the following: a. Coverage may be provided only to a vehicle that is a private passenger auto, pickup or van; and b. The policyholder must request the auto loan/lease coverage within 30 days of leasing or financing a new vehicle.

8 AFI Auto Insurance Discounts and Credits Armed Forces Insurance offers a number of discounts in most states, as well as reduced rate plans. Discounts or credits vary by state. Call us for information regarding your state. Multiple Policy Discount Available on your auto policy if you carry your Homeowner or a Renters policy with AFI. Good Driver Discount For drivers who are free of accidents or convictions in the past five years. Multi-Vehicle Discount Reduced rates for all autos if you insure more than one vehicle with AFI. Good Student Discount Reduced premiums for full-time high school, college or university students under 25 years old who submit a qualifying good student certification form annually.

9 Driver Training Credit Discounts for drivers less than 21 years old who successfully complete a state-approved driver training course. Accident Prevention Course Available to eligible adult drivers who have completed an accident prevention course within the last two to three years. Not available if the course was completed by court order due to accidents or driving habits. Anti-Theft Device Discounts Discounts for comprehensive coverage premium on vehicles equipped with anti-theft devices. Passive Devices: 15% discount. Passive devices are devices which are automatically engaged by removing the ignition key. In the event of tampering, the device must disable the vehicle by making the fuel, ignition or starting system inoperable. Active Devices: 5% discount. Active anti-theft devices are those devices you must manually engage each time you park the vehicle. In the event of tampering, the device must disable the fuel, ignition, or starting system. Alarm Only: 5% discount. Devices which sound an audible alarm. Window Identification: 15% discount. Available to vehicles on which the manufacturer s vehicle identification number (VIN), or other similar code, is etched on all windows. Vehicle Recovery System: 15% discount. An electronic device that, when activated, provides vehicle location signals to law enforcement officials or other public entity to assist in recovery when a vehicle is stolen. Steering Wheel Locks: 5% discount. Steering wheel bar locks are those that must clamp over and lock the steering wheel to prevent the car from being driven. Military Installation Garaging Discount: A 15% discount on comprehensive coverage is available to active duty personnel when the vehicle is regularly garaged on a military installation. At AFI, we work closely with you to make certain you have the coverage you need.

10 AFI Auto Insurance Safety Equipment Discounts Special discounts are available when vehicles are equipped with certain safety devices. Passive Restraint: 20% to 30% discounts are available on premiums for Medical payments Coverage and Personal Injury Protection (nofault) when the vehicle is equipped with a factory-installed, automatic occupant restraint that conforms with federal crash protection requirements. A 20% discount applies when installed in the driver position and a 30% discount is available when restraints are installed in both driver and front passenger seat positions. Anti-lock Braking System (ABS): 5% discounts are available on premiums for Bodily Injury and Property Damage Liability.

11 Important Information: Keeping Information Current: AFI auto policies can be tailored to cover all eligible vehicles owned by you and used by you and your relatives living at your address. Current data is important at all times because changes can affect the appropriateness of your coverage and premiums. To keep your information up to date, we ask that you advise us when a household member becomes a newly licensed driver, has a change in marital status or when a person moves into or out of your current address. This is especially important when a non-driving family member becomes a driver. Options Vary by State: Automobile insurance is regulated by laws enacted by each state. AFI makes certain you receive the coverage and the appropriate documents you need for where you live. You will be advised of the available options in your state when you purchase a policy. Deductibles: The deductible is the amount you agree to have subtracted from a covered loss. The higher the deductible, the lower the premium for your policy. Some coverage s are subject to a deductible, while others are not. It is necessary to carefully read your policy to determine when a deductible applies. Other Coverages Available From AFI Insurance for Boats, Motorcycles, Motor Homes, Antique and Classic Automobiles, High Value Homes, High Value Jewelry, Art, and Antiques. Contact us for more information:

12 Who is Eligible to Join AFI? All active duty, former and retired military, including National Guard and Reserves Widows of the above Active or retired DoD civilian employees Children of AFI members Former AFI members Call for the right answers from a real person. For more information or a free instant quote visit: