What’s included in car insurance coverage?

Protection for your car

Not all car insurance in Washington and Oregon is the same. PEMCO is insurance for responsible drivers, enabling it to keep car insurance costs competitive while offering award-winning customer satisfaction. PEMCO protects your car bumper-to-bumper with:

Collision Coverage

Regardless of who’s at fault, collision coverage pays for damage to your car from a crash or rollover (minus your deductible). If you have a car loan, your bank will require this coverage.

Comprehensive Coverage

Covers damage to your car that’s not included in Collision, for things like theft, fire, vandalism, and glass (minus your deductible). If you have a car loan, your bank will require Comp coverage, too.

Underinsured/uninsured motorist, Property Damage Coverage

Covers your car if it’s damaged in an accident caused by someone without insurance – or with too little insurance.

Towing and Labor Coverage

Helps if your car breaks down and needs work right on the spot or must be towed to a shop. A less-expensive alternative to similar coverage through auto clubs!

Rental Reimbursement Coverage

Reimburses you for the cost of a rental car while your car is being repaired after an accident. Can be bundled with Comp and Collision.

Auto Loan Coverage

Pays off your car loan if the car is totaled and is less than three years old. The amount left on your loan must be more than what the car is worth.

Replacing or Re-Coding Key Coverage

Pays up to $500 for replacing or recoding undamaged electronic lock and key components.

Camper, Canopy, and Tonneau Cover Coverage

Pays up to $500 for this equipment, with the option to buy more coverage.

Custom Parts and Equipment Coverage

Pays up to $500 for customization, with the option to buy more coverage.

Protection for you, your passengers, and your pets

If you, a family member, a person living in your household*, or your pet is ever hurt in an accident, PEMCO protects you with:

Personal Injury Protection (PIP) Coverage

Pays medical expenses, income loss, and more for you, your family, and others in your car who are hurt – or killed – in an accident. This additional protection is always recommended.

Underinsured/Uninsured Motorist, Bodily Injury Coverage

Pays medical costs and other related damages if a covered person is hurt in an accident caused by someone without insurance – or with too little insurance.

Accidental Death Coverage

If any covered person is killed in a car wreck, a benefit of $10,000 goes to his or her spouse or estate.

Pet Coverage

Pays up to $1,000 for your dog or cat if it’s injured or killed in a covered collision loss.

*Call or go online to add non-family members who live in your household. As soon as they’re rated on your policy, they’ll get the same coverage as your family members.

Protection from liability

Insurance is about more than crumpled fenders and medical bills. After you’re found legally liable for an accident, your car insurance coverage protects what you’ve worked for with:

Liability Property Damage Coverage

Pays for the other person’s car and/or belongings damaged in an accident if a covered person is legally liable for the accident. Takes care of defense costs if you must go to court. Required by state law.

Liability Bodily Injury Coverage

If a covered person is legally liable for causing bodily injury to another person, Bodily Injury coverage takes care of the cost. It even covers court defense costs.

More insurance options

Rideshare Coverage

Extends your current PEMCO coverage when you drive your car for a rideshare company like Uber or Lyft.
Get rideshare coverage.

Rental Car Coverage

Pays for damages and expenses (including the rental car company’s administrative fees, diminished value, or loss of use) if your rented vehicle is involved in a covered collision or comprehensive loss.

Currently available in Washington State only
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