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American National Property and Casualty Car Insurance
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By Insure.com
Last updated July 16, 2009 |
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About ANPAC
American National Property And Casualty Company
(ANPAC) is a property and casualty insurance company headquartered in
Springfield, Missouri, and is a subsidiary of the American National
Insurance Company (ANICO) of Galveston, Texas. ANICO is a life and
health insurance company that has been in business since 1905.
ANPAC was incorporated in 1973. It began operations with eight
employees in Springfield and wrote its first policy in February 1974.
ANPAC offers a variety of property and casualty coverage needs,
including automobile, homeowners, umbrella, boat, recreational
vehicles, motorcycle, other personal lines insurance and agri-business
insurance.
ANPAC Car Insurance Says
An AUTOSURE policy from ANPAC offers a full line of coverages:
- Liability - pays for bodily injury damages and/or
property damage from a covered loss for which an insured is legally
liable. This coverage includes cost of defense in a lawsuit, bail bond
expense, attorney fees and medical first aid at the accident scene.
- Medical payments - pays for reasonable and necessary
medical expenses arising out of an accident up to the limit purchased
per person.
- Personal injury protection - pays for reasonable and
necessary medical and lost wages arising out of a covered accident up
to the limit purchased per person.
- Comprehensive - pays for loss or damage to the
insured's car by a covered loss other than a collision. This includes
but is not limited to: theft, fire, missiles, falling objects, larceny,
explosion, windstorm, hail, water, vandalism or malicious mischief,
riot, impact with animals and glass breakage.
- Collision - pays for damage to the insured's car
resulting from a collision or upset.
- Towing and labor - pays towing and labor costs
incurred each time the insured's car is disabled. Labor costs at the
place of disablement are covered.
- Rental reimbursement - pays up to $25 per day rental
expense while the insured's car is being repaired due to a covered loss
for up to 30 days. Higher limits are available.
- Uninsured motorist - pays for bodily injury damages
caused by a motor vehicle driven by a legally liable, but uninsured or
unknown (hit and run) driver.
- Underinsured motor vehicle - applies when bodily
injury is caused by an underinsured motor vehicle, as defined in the
policy.
- Accidental death, dismemberment, disability - pays up
to a specified amount for death, loss of limbs, loss of sight and
certain other injuries to designated person(s) resulting from a car
accident.
- Work loss coverage - pays designated person(s) up to
85% of earnings lost because of auto accident injuries subject to
certain maximum limits shown in the policy.
- ACE, added coverage endorsement - pays for original
equipment manufacturer (OEM) parts, when replacement parts are
required, after an accident. For insured vehicles less than 1 year old
and with less than 15,000 miles, the vehicle will be declared a total
loss at only 25% damage. The policy pays the lesser of either the
original purchase price or the replacement cost of a comparable
vehicle.
- GAP, guaranteed asset protection endorsement- pays
the difference between the loan balance (excluding incidental amounts
rolled into the loan, which are not directly related to the base
purchase price of the vehicle, such as additional warranties) and the
actual cash value of the car, when the vehicle is declared a total loss
as the result of a covered accident.
Contact ANPAC at:
American National Property and Casualty Companies
American National Corporate Center
1949 E. Sunshine
Springfield, MO 65899-0001
Telephone: (417) 887-0220
Sources: "About Us",
ANPAC web site; "Products: Auto", ANPAC web site
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