Auto

Bodily Injury Liability

This type of liability insurance covers the cost of any injuries or the death of a person as a result of an accident a driver causes. A few examples of coverage would be medical bills, loss of income, hospital bills; and damages from pain and suffering. Bodily injury insurance only covers the victims of the accident, so the insured’s own medical bills would not be covered. BI is the short term used for this coverage in the auto insurance industry.

Libability Coverage

Most states require every licensed driver to carry liability insurance. Liability coverage pays for any damage that the driver inflicts on other drivers in an accident. Bodily injury coverage covers damage for injury or death that the driver causes, while property damage liability handles vehicle and property damage. This coverage also covers the cost of defense in case of a lawsuit relating to an auto accident.

Property Damage Liability

Property damage liability insurance covers damage that the insured driver causes to another person’s property. This covers damage to other people’s cars, fences, trees, houses, etc.

Uninsured and Under-Insured Motorist Coverage

This pays for damage caused to the driver’s vehicle by an uninsured driver. It must be verified that the driver at fault for the accident was uninsured at the time of the loss. Hit and Run incidents do not apply.

Safety Equipment Coverage

This coverage will waive the comprehensive deductible when a loss has occurred to the vehicle’s glass. This is for all glass windows on the vehicle including the windshield, headlights, and taillights. This is available only when the vehicle has comprehensive coverage.

Comprehensive Coverage

This covers damage done to the insured’s vehicle caused by incidents such as theft, vandalism, rocks, and etc. It does not cover damage caused by collisions.

Collision Coverage

This coverage pays for the cost of damage to the insured’s vehicle when the driver hits another vehicle or object.

Named Driver Restriction Removal

Our basic contract covers the insured’s vehicle for comprehensive or collision coverage only when an active driver that is listed on the policy was operating the vehicle at the time of the loss. With this optional coverage, comprehensive and collision coverage will apply even when the driver is not listed, provided the driver does not reside with the insured, is licensed, and is not a frequent operator of the vehicle.

Rental Reimbursement Coverage

This helps pay the cost of a rental car while the vehicle is being repaired for a covered comprehensive or collision loss. We offer two options: $20 dollars per day for up to 30 days and $30 dollars per day for up to 30 days.

Vanishing Deductible

For every year the policy is enforce without a lapse and is free of claims, deductibles on the policy are reduced by $100 dollars. The maximum reduction is $500.

Multi-Policy Discount

Save even more off your Auto policy by bundling your Commonwealth Homeowner’s or Renter’s policy with a Commonwealth Auto policy!

Home

Repair Your Home

Coverage to repair or completely rebuild your home and other structures. It protects your home against fire, wind, hail, tornados, falling objects and more.

Property Damage

Liability coverage for property damage and lawsuits. If someone gets injured on your property or if you break a window with an errant golf shot while golfing, we'll cover the damage and legal fees.

Personal Property

Coverage for Personal Property such as furniture, electronics, appliances, tools or power equipment. You may purchase optional coverages for more expensive items like jewelry and computers.

Water Back Up Protection

This option covers water backups through sewers, drains, or overflows from a sump pump or similar equipment.

Service Line Coverage

This unique option covers underground piping or wiring that provides services to your home, such as water, electrical power, or communications including internet services.

Special Computer Coverage

This coverage provides a higher dollar limit for your desktop or laptop computers, tablets, gaming hardware and related equipment.

Golf Carts

This provides coverage for damage to golf carts as well as liability coverage if you cause damage while riding one.

Multiple Discounts Available

We offer Many discounts for homeowners:

Multi-Policy Discount
New Home Discount
New Purchase Discount
Protective Device Discount

Fire alarm
Home Sprinkler System
Complete Local Burglar Alarm

Claims Free Discount
Paid In Full Discount
Water Leak Detection Discount

Renters

Libability Coverage

Liability coverage for property damage and lawsuits. If someone gets injured on your property or if you break a window with an errant golf shot while golfing, we'll cover the damage and legal fees.

Personal Property Coverage

Coverage for Personal Property such as furniture, electronics, appliances, tools, power equipment, and more. You may purchase optional coverage for more expensive items like jewelry and computers.

Loss of Use

If your rental unit becomes uninhabitable due to a covered loss, our policy provides you with coverage to pay for additional living expenses and food.

Personal Property Replacement Cost

With our renter’s insurance, you can replace lost or damaged items from a covered loss with similar items at today’s current prices!

Multi-Policy Discount

Save even more off your Auto and Renter’s policy when you bundle your Commonwealth Renter’s policy with Commonwealth Auto insurance policy!

Increased Limit For Jewelry And Computer

With our renter’s policy, you have the option to increase the limits for your jewelry and computers!

Rideshare

Ride Sharing Coverage

If any vehicle on the policy is driven for ride share purposes such as Uber or Lyft, we offer an endorsement that will provide coverage during the time where the umbrella policy provided by the transportation network company (TNC) will not. Our rideshare coverage applies the same deductible as you carry with our policy as opposed to the higher deductibles that the TNC umbrella policy provides. All drivers that drive for the TNC must be listed on the policy.

Roadside

Towing

Towing is provided up to twenty-five (25) miles for the covered driver and disabled vehicle. Any additional expenses incurred beyond the twenty-five (25) mile limit are your responsibility, payable to Way.com.

Ride-hailing service reimbursement is available for each towing event up to $40. Ride-hailing is authorized only from the initial point of disablement as a one-time service. To receive reimbursement, please email a copy of your ride-hailing service receipt to support@way.com.

Flat Tire

Service is provided to change a flat tire with the inflated spare on the vehicle. If no spare is available, the vehicle may be towed.

Jump Start

Service is provided to jump start a dead battery. Service provider is not required to remain with the vehicle while the battery charges. This service will not be provided for hybrid or full electric vehicles.

Lockout

Service is provided to gain access if the ignition key is lost or accidentally locked inside the vehicle. The owner of the vehicle needs to be present and provide proof of vehicle ownership.

Fuel Delivery

If the covered vehicle is out of fuel, a service vehicle will deliver up to 2 gallons of fuel to the customer's location as long as the service vehicle is permitted to. The fuel itself is covered by this option.

Winch

When you have a vehicle stuck in a ditch and accessible within 100 feet from a normally traveled roadway (and conditions allow it to be possible to dislodge the vehicle), a service vehicle can be dispatched to winch the vehicle out from the ditch. Please note that the service is provided via one truck and one driver for up to 30 minutes.

Please note that all coverages above are subject to terms and conditions of the policy

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