Personal Auto Edition
Ownership:
What You Need
to Know
Q: "My daughter bought her own car
and now it's titled in her name. How
does that affect my coverage?"
A: Ownership is one of the most
important factors in determining whether
there is coverage for a vehicle under a
personal auto policy. Only vehicles that
are titled or co-titled personally in
the policyholder's name or to a
resident spouse are eligible for
coverage. In this hypothetical situation,
your daughter's car no longer has
coverage under your policy. The same goes
for a vehicle titled to any relative,
significant other, or business. Since the
vehicle isn't owned by the named
policyholder, there is no insurable interest.
If you have any questions or concerns
regarding the titling or coverage of your
vehicle(s), please contact your
Independent Agent.
My Account
My Account is a convenient, easy-to-navigate
area of our website where you can now pay
your bill, view and print your policies, print
your ID cards, and opt for a paperless policy.
Managing your policies has never been
simpler!
Check it out at www.wnins.com
Western National’s Personal Auto
Policyholder Newsletter
Issue 9.1
Be True to Your Auto:
Loyalty Among Vehicle Categories
Some vehicle owners are beginning to show a strong sense of loyalty when it comes to
the type of car they drive. They do this by trading in their vehicle for another one within
the same category. This practice is almost common for some types of vehicles, while it’s
rare for other types. The list below (compiled by Edmunds at www.edmunds.com) ranks
22 vehicle categories by the percentage of owners who chose a new vehicle from the
same category as their previous one.
1. Large trucks - 61.8%
2.Vans - 50.9%
3. Minivans - 48.9%
4. Premium sports cars - 47.3%
5. Premium luxury cars - 46.7%
6. Premium luxury SUVs - 46.6%
7. Entry-level luxury cars - 42.5%
8. Large traditional SUVs - 42.2%
9. Large cars - 41.0%
10. Midrange luxury SUVs - 39.6%
11. Midrange luxury cars - 38.1%
12. Compact cars - 37.3%
13. Midsize cars - 37.1%
14. Compact trucks - 36.5%
15. Entry-level luxury SUVs - 30.8%
16. Midrange sports cars - 30.2%
17. Midsize traditional SUVs - 28.3%
18. Compact crossover SUVs - 27.3%
19. Entry-level sports cars - 23.7%
20. Midsize crossover SUVs - 21.6%
21. Large crossover SUVs - 16.0%
22. Subcompact cars - 15.1%
Have questions about anything mentioned in the Focus?
Contact your Independent Insurance Agent or visit us online at www.wnins.com
The National Insurance Crime Bureau (NICB) recently
released “Hot Wheels” - its list of the top 10 most
stolen vehicles in the United States in 2011. The list is
as follows:
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
Most-Stolen Cars of the Year
1994 Honda Accord
1998 Honda Civic
2006 Ford Pickup (Full Size)
1991 Toyota Camry
2000 Dodge Caravan
1994 Acura Integra
1999 Chevrolet Pickup (Full Size)
2004 Dodge Pickup (Full Size)
2002 Ford Explorer
1994 Nissan Sentra
Source: National Insurance Crime Bureau (www.nicb.org)
Tips for Staying
Safe During Fall
and Winter Driving
Fall and winter are two very unpredictable seasons. One day could
be sunny and clear and the next could bring icy roads and migrant
wildlife. Here are a few tips to help get you through the rough
patches.
- Give yourself enough time to arrive at your destination.
- Be careful when driving over bridges, as well as roadways rarely
exposed to sunlight - they’re often icy when others are not.
- Deer often move in groups. If you see one, there are likely others.
- Turn on your headlights either just before or during dusk so other
drivers can see you.
- Do not use cruise control when driving on a slippery surface.
- Keep your tires properly inflated, and remember that good tread
on your tires is essential to safe winter driving.
- Be especially on the lookout for animals between sunset and
midnight and the hours shortly before and after sunrise.
How to Deal with
Aggressive Drivers
An aggressive driver might be defined as one who
“operates a motor vehicle in a selfish, bold, or pushy
manner, without regards for the rights or safety of
the other users of the streets and highways”. The
New York State Police Department has come up
with these tips to help drivers deal with those who
are less than courteous on the roads.
- Always remain calm and avoid eye contact
- Keep your distance as much as possible
- Avoid passing an aggressive driver
- Change lanes when you can safely do so to allow
the aggressive driver to pass
- If you are unable to change lanes and an aggressive
driver is tailgating you, maintain the proper speed
and do not respond with hostile gestures
- Call 911 from your cell phone when you can safely
do so to report the incident
Source: Minnesota Safety Council (www.minnesotasafetycouncil.org)
Western National Insurance Group
5350 West 78th Street
Edina, Minnesota 55439
Toll Free: (800) 862-6070
Twin Cities: (952) 835-5350
www.wnins.com
Source: IRMI (www.irmi.com)
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