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Availability of coverages & services
varies by state/territory


EMC's personal auto policy protects you, your family and your car—all at an affordable cost. Our personal auto insurance offers coverage for:

  • Liability (includes bodily injury and property damage)
  • Medical payments
  • Personal injury
  • Uninsured/Underinsured motorists
  • Uninsured motorists property damage
  • Collision
  • Other than collision (comprehensive)
  • Towing

Personal Auto Choice Coverage Extension
Policyholders who have their vehicles insured with liability, comprehensive and collision coverage from EMC also benefit from the following coverages:

  • Rental Vehicle—Pays for damage or loss of a rental vehicle that you are legally obligated to pay and for loss of use; a deductible applies
  • Increased Transportation Expenses
  • Increased Nonowned Trailer
  • Deductible Waiver—Waives the “other than collision” deductible in the event of a total loss
  • Air Bag—Reimburses the reinstallation cost of an air bag that accidentally deployed

Optional Coverages

Personal Lines Advantage
When you insure both your home and auto with EMC, you benefit from these additional free coverages:

  • Single (Highest) Deductible—Applies if both auto and home are involved in the same loss
  • Pet Medical—Covers up to $500 for domestic cats or dogs that are injured or killed due to a covered loss in either the home or the car; no deductible applies
  • Emergency Lockout Coverage—Pays up to $200 for reasonable expenses incurred for services needed to gain entry into a covered auto or residence premises if keys have been stolen or disabled, or if locked in the covered auto or residence; no deductible applies

Premium Discounts
EMC offers several discounts* that can make a significant difference in your auto insurance premium:

  • Bonus Renewal Plan—Available if you insure your auto with EMC for three consecutive years; waives surcharges for your first at-fault accident
  • Combination Policy Discount—Available when you insure both your auto and home with EMC
  • Multi-Car Discount—Available if you insure more than one auto under the same policy
  • Electronic Funds Transfer (EFT)—Available to policyholders who elect to have their direct-billed policies paid monthly by EFT
  • Accident-Free Discount—Rewards you for a good driving record
  • Additional Discounts
    • Defensive driving discount
    • Good student discount
    • Antitheft device discount
    • Passive restraints discount
    • Antilock braking system discount
    • Senior operator accident prevention course

* Policy premium discounts may vary by territory.

Introducing MyAuto Policy™ 2.0

Learn about MyAuto Policy 2.0, a new program being introduced in 2016 that offers customized rates based solely on you and your auto.

Get in a fender-bender?

Now you can use your mobile phone to quickly and easily report a personal auto claim. Simply go to emcins.com from your phone and select Report a Claim to get started.

To see how simple it is, watch a quick tutorial.



Policyholder Access

Find out how to get quick, secure, online access to your personal insurance policy and account information. » Learn More


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