Western Indemnity Auto Insurance Review

In almost every state auto insurance is a requirement. Auto insurance is basically standard in spite of the various requirement from state to state. Auto insurance in addition offers several optional plans to suit the needs of their clients. Depending on the state, car insurance premiums are usually mandated or some states competitive free rates are allowed. No matter what state you reside in, there are several ways in which auto insurance premiums can be reduced.

No matter what state you reside in, use our FREE car insurance comparison tool by entering your ZIP code to receive multiple affordable car insurance quotes.

However, when looking at indemnity auto insurance, this poses another set of rules. Western Indemnity Insurance Company is a stock company and shows assets of around $29 505 328 and a capital of around $3 600 000. This insurance company includes insurance plans such as health, boat, business, auto, home and airplane insurance. This company is situated in San Antonio, Texas.

Small Facts About Western Indemnity Auto Insurance

This review is focused on Western indemnity auto insurance and note that this is not a vehicle insurance company. Since 1996 Western has been accredited by the Better Business Bureau and awarded Western an A+ rating as Western indemnity auto insurance is well known to meet with accreditation standards. In August 2003 this company was permanently placed in receivership.

To compare auto insurance quotes for FREE, just enter your ZIP code in our car insurance quote tool above and receive multiple affordable car insurance quotes. There are two different user groups that Western Indemnity Insurance Company serves such as

• Health care maintenance institutions
• Health care businesses
• Medical care practices and physicians
• Physician groups

In addition Western Indemnity Insurance Company also serves property and casualty coverage for auto insurance such as

• Homeowners
• Vehicles
• Airplanes
• Boats

Indemnity insurance insures a policyholder in the event of an accidental death occurring under a certain set of circumstances. These types of car insurance policies pay the beneficiaries only should the person holding the policy dies from covered events. As opposed to a standard life insurance policy the cost of an accidental death policy is far cheaper.

Western Indemnity Auto Insurance and Fatal Car Accidents

• Should a person or a passenger die in a car accident, many insurance companies have a separate category for auto insurance death benefits. As opposed to medical payments coverage the limits on this type of coverage are separate.
• If the policy holder dies the Indemnity benefits are paid out to the persons named such as the deceased parents or a surviving spouse or will; be paid into the estate of the insured person.

When shopping around for an auto insurance bear in mind that death benefits are optional not compulsory. It is up to a client if the chose to pay any additional premiums for additional indemnity cover.

Western Auto Insurance Indemnity Benefits

• The policy will stipulate the nature and extent of coverage.
• Auto insurance death benefits are paid out to the named individuals if the person injuries and death resulted while driving the car or by being hit by another car.
• There is usually a 90 day period after the time of the accident, where the insured became physically disabled and then died.
• Only when it has been established that the death was caused due to the accident, will the death benefits be paid out

What is Not Covered by Western Indemnity Auto Insurance?

As with any auto insurance coverage, auto insurance indemnity benefits are not paid out if there are specified inclusions. Each auto indemnity insurance policy has different exclusions. Before taking out such a policy you need to consult with an insurance attorney or agent. Common exclusions can include

• A death can result from an injury sustained while at the place of employment such as working with machinery etc
• Death resulting from a disease that had nothing to do with the accident. However, if the accident caused an infection to occur and the persons died from the infection, then the policy will pay out.
• An insured person does not cover members of their household or any other that may drive the car and does not include relatives. Each member of the family need to pay separate coverage.
• Deaths caused during a race, or deaths caused off road, or deaths resulting from war or suicide are not covered in an auto indemnity policy.

Bear in mind that Western Indemnity Auto Insurance can request an autopsy in order to determine the actual cause of death in the event of an accident. The beneficiaries can however consult with an attorney and challenge the insurance company.

A Western Indemnity Auto Insurance policy will specify who is eligible for payments upon death. If you already have an existing auto policy and you would like to include death indemnity, you can request this information at the same time when looking for the best auto insurance quotes.

Check out our auto insurance companies reviews to see which company is the best fit for your car insurance needs. To get multiple cheap car insurance quotes for FREE enter your ZIP code above