Coverage

What is the difference between "Limited Tort" Option and "Full Tort" Option?
"Limited Tort" Option - The laws of the Commonwealth of Pennsylvania give you the right to choose a...

Do you offer extended warranty policies for automobiles?
21st Century Insurance does not currently offer automobile extended warranty contracts.

Does 21st Century Insurance offer boat insurance policies?
21st Century Insurance does not write boat insurance policies. However, we have relationships with ...

Does 21st Century Insurance offer insurance for ATVs?
21st Century Insurance does not write insurance policies for ATVs. However, we have relationships w...

Does 21st Century Insurance write Fleet vehicle policies?
21st Century Insurance only writes Personal Auto Insurance policies, but our parnter company, Farme...

What is Collision Coverage?
Collision Coverage protects your vehicle against direct and accidental loss by collision with anoth...

What is Comprehensive Coverage?
Comprehensive Coverage (also known as "Other than Collision" coverage) is sometimes referred to as ...

I reside in a state that requires my vehicle to be inspected for physical damage coverage, how do I go about getting it done?
If you reside in one of the four states that require your vehicle to be inspected for physical dama...

What is Extended Transportation Expense Coverage(Rental Reimbursement)?
Rental Reimbursement is available when you vehicle includes at least Comprehensive coverage. If your vehicle is temporarily disabled for more than a day due to a covered auto accident, this coverage pays $25 per day for up to 30 days (or a maximum of $750), toward the cost of a replacement vehicle. Higher limits of up to $90 per day for up to 30 days, or no daily limit with a maximum of $1500, are also available. Limits and coverage vary by state. Refer to your Policy Declaration to verify your coverage limits

Does 21st Century Insurance offer antique or classic car auto insurance?
Insurance products for the 21st Century Insurance Classic Auto program are underwritten by Foremost...

What is Bodily Injury Liability Coverage?
Protects the insured as the owner or driver of a vehicle for all sums which the insured becomes leg...

What is Property Damage Liability Coverage?
Similar to Bodily Injury Liability but limited to damage caused by you to another person's property...

What forms are needed in the state of California?
The available forms are listed below. You can open a .pdf version of these forms by clicking on the...

Why do I have to pay for Uninsured Motorist coverage?
The name of this coverage is misleading, and is often mistaken as coverage for the other driver who...

What is Underinsured Motorist Coverage?
Underinsured Motorist Bodily Injury Coverage pays for your injuries up to the policy limit when the...

What is Uninsured Motorist Coverage?
Uninsured Motorist Bodily Injury Coverage protects you and the occupants of your vehicle for bodily...

What is the 21st Roadside Assistance Program?
We are happy to announce a new benefit: 21st Roadside Assistance. This benefit combines 24-H...

What if I have medical coverage on my policy and I am hurt?
When your adjuster calls you, tell them that you have medical bills. The adjuster will handle every...