Unitrin Specialty Broad Form Named Operator Coverage
What’s Different About Broad Form Coverage
Unlike most auto insurance, where you buy insurance on a specific vehicle, Broad Form Named Operator coverage provides insurance on a specific driver.
You pay one low price whether you own one car or several cars. You don’t even have to call your agent when you buy, sell or trade cars, because no cars are listed on your policy.
Broad Form Named Operator coverage satisfies the State Insurance Requirements by covering bodily injury or property damage you cause to others while you are driving a car, whether you own the car or not.
You may also purchase Uninsured/Underinsured Motorist coverage and Medical Payments or Personal Injury Protection coverage. You cannot buy coverage for physical damage to your own vehicles.
For drivers needing an SR22 filing, Broad Form Named Operator coverage satisfies this requirement.
Important things to know and understand before purchasing Broad Form Named Operator coverage:
- You, and only you, are covered while driving a car you own or have permission to use
- You are not covered if you let someone else drive a car that you own
- You are not covered while driving a motorcycle, motor home, or while driving for business use
- You are not covered for any physical damage that happens to a car you own or drive
- If another policy provides coverage on the car you are driving, Broad Form Named Operator coverage will be in excess of that coverage
Talk with Serenity Insurance, your independent insurance broker, about a Broad Form Named Operator policy if you own several cars and only need liability coverage.
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The Unitrin family of insurance companies serves clients in markets across the United States. More than 6 million policyholders have their basic insurance and financial needs met by a nationwide network of career agents and independent agents and brokers. As one of America’s leading financial services providers, the Unitrin family specializes in property, casualty, life, health and accident insurance.
Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer affordable auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.