Personal Auto

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Auto insurance is there to protect you just as much as it is your vehicle. Auto insurance provides financial and liability security for any possible auto-related damages, injuries or losses. It protects you, your passengers, pedestrians and even your car. A substantial amount of damage can happen while traveling 70 mph, so ensuring you have the proper protection in place before an unfortunate event occurs is important. Not to mention, it can also help protect you in the event of an automobile-related lawsuit.

Basic & Enhanced Coverages

For no additional charge, your Auto Policy from IMT includes many coverages for which most other companies charge extra.

Protection against claims or lawsuits for bodily injury or property damage arising from the operation of a vehicle.

Compensation for reasonable and necessary medical and funeral expenses as a result of bodily injury to you or passengers caused by an auto accident. This is a component of personal injury protection (PIP) in certain states.

Compensates you for expenses resulting from injuries sustained in an accident. The expenses may include your medical costs, wage loss, replacement services, and in the event of death, funeral expenses. This coverage is only available in no-fault insurance states such as Minnesota.

Compensates for damage to a covered auto and to certain non-owned autos. This includes collision and other than collision coverage (also known as Comprehensive coverage).

If at least one vehicle on your policy carries “Other than Collision” or “Collision” coverage, IMT will pay all reasonable expenses incurred resulting from a covered accident or other covered loss to a car that you rent from a commercial rental car agency. Specifically, this coverage enhances your current rental car coverage by waiving your applicable deductible, as well as agreeing to pay the rental car agency for their full “loss of use” and any reduction or diminution of value in the rental car.

If your vehicle is disabled, due to a covered accident, IMT will pay up to $30 per day with a maximum reimbursement of $900 for the cost of renting a replacement vehicle. This coverage is standard with most auto policies, but at a lower daily reimbursement rate. Higher optional limits of daily reimbursement are also available.

Combines $15,000 of identity theft insurance with services that help victims restore their credit history and identity records.

Applies to vehicles that are new, up to one year old with less than 15,000 miles on the odometer. If the vehicle is totaled due to a covered loss, we will replace it with a current model year vehicle of the same make, model and covered equipment without subtracting for depreciation.

Up to $250 for the replacement of locks and keys, if your vehicle keys are stolen.

Up to $100 to have your vehicle unlocked, if you lock the keys in your vehicle.

Up to $500 for applicable vet bills, including medication, if your pet is injured from a collision while riding in your vehicle.

Up to $500 for clothes, luggage, camping gear, and other sporting equipment inside your stolen vehicle.

Waived deductible and covered repair if your vehicle glass is repaired instead of replaced.

Repairs will be of the quality generally accepted in the automobile repair industry. Our guarantee will last for as long as you own the vehicle and are insured with our company.

Available Discounts*

  • Driver At-Fault Free
  • Driver Conviction Free
  • Accident Prevention
  • Customer Loyalty
  • Financial Stability
  • Good Student
  • Multi-Policy
  • Multi-Car
  • Paid in Full
  • Tenured Driver
  • And More!

*Some discounts may apply to select individuals or coverages and availability may vary by state.

Some customers may qualify for accident or violation forgiveness. Learn more and obtain a free quote by contacting your local IMT Independent Insurance Agent!

This is a brief summary of coverage and is intended only as an aid in selecting a policy. Review the actual policy for details on all coverages, terms, limits, conditions and exclusions, or contact your IMT Independent Insurance Agent for complete details.