A: Yes, students who are still residents of your household are still considered insureds and may drive vehicles insured on your Pekin Insurance auto insurance policy both when they are living away from home at college and when they return home from college in the summer. Since they are still considered residents of your household, they are also covered for their own personal liability as long as they have permission to drive someone else’s vehicle.

A: If the person driving your car has your permission to drive it, your Pekin Insurance auto insurance policy will cover your vehicle and your liability caused by the driver should an accident occur.

A: You are covered in a rental vehicle up to the broadest extent of coverage listed on your Pekin Insurance auto insurance policy. If you have both comprehensive and collision coverage on one vehicle, these types of losses are covered in the rental car. However, if you add our Auto Guard Endorsement to your auto insurance policy, enhanced coverages such as the decreased value of the rental vehicle in the accident and the loss of revenue to the rental agency will also be covered. Ask your local Pekin Insurance agent for more details.

A: Your Pekin Insurance auto insurance policy does not cover a rented moving van. You will need to purchase coverage through the rental company. If you rent a trailer, liability coverage is provided by the auto insurance for the vehicle pulling the trailer. Your Pekin Insurance auto insurance policy will provide $1,500 in physical damage coverage for a rented trailer.

A: Your new vehicle is covered for both comprehensive and collision coverage as long as you ask us to provide both coverages within 14 days after you become the owner and as long as at least one other car on your policy has these coverages. If all the vehicles on your policy have liability coverage only, we will automatically provide 4 days of comprehensive and collision coverage, subject to a $500 deductible.

A: If your travel trailer is ABLE to be moved (not fully skirted, wheels still attached, etc.), the travel trailer should be added to your auto insurance policy for comprehensive and/or collision coverage. The liability coverage is automatic from the vehicle used to pull the travel trailer. If the travel trailer is NOT ABLE to be moved (fully skirted, wheels removed, etc.), it should be covered on a dwelling fire policy. Contact your Pekin Insurance agent for a quote.