Mid States Auto Insurance Review

Mid States Auto Insurance is located in Zionsville, Indiana. The company opened in 1985 and was incorporated in 1988.

They are an independent insurance company that offers a range of services. Get FREE price quotes from auto insurance companies in your area with our ZIP code search tool!  Besides cheap auto insurance, they offer:

• Business insurance: business owner policies, worker compensation, property, vehicle and commercial coverage and group health insurance
• Personal insurance: homeowner , boat, flood, renters, condo and motorcycle
• Life and health coverage: long term care, term and permanent life insurance, health insurance, dental and estate planning

Umbrella policies are also available. They cover added liability amounts that take over when existing coverage ends, and unusual instances like slander and libel.

As an independent insurance company, Mid States insurance represents several carriers. Some of the carriers listed on the Mid States website are:

• Travelers
• Indiana Insurance
• Genworth
• United Healthcare
• Anthem
• Transamerica
• The Hartford Group
• Prudential

Mid States Insurance is accredited by the Better Business Bureau. They have been accredited since 1995. This does not mean that their services are evaluated or endorsed by the Better Business Bureau. The company meets accreditation standards in that they make an effort to resolve complaints.

They pay a fee for accreditation. They have an A+ rating with no complaints filed against them. After you compare auto insurance reviews to find what you need, you can use our quote comparison tool to receive a number of FREE auto insurance quotes!

Types of Automobile Insurance Coverage

Mid States offers standard automobile insurance coverage. Auto insurance policies include coverage for personal injury, property damage, and vehicle damage.

Personal injury coverage includes the following types of auto insurance:

Bodily Injury Liability is for injuries caused to other people.

Personal Injury Protection or Medical Payments coverage that pays for the treatment of injuries to the driver and passengers of the person holding the policy. Coverage ranges from medical payments to reimbursement for lost wages caused by an injury.

Property damage liability coverage pays for damage to other people’s property.

Collision covers damage to the car of the person holding the policy. It includes collision with objects like barriers, light posts and fire hydrants as well as other vehicles.

Comprehensive covers damage that is not caused by an accident with another vehicle . This includes theft, fire, flood, earthquakes, civil unrest or riot, and falling objects.

Uninsured Motorist Coverage covers treatment of injuries when a collision with an uninsured driver occurs. It can also cover damage and injury payment when the driver has insurance, but not enough to cover the injury or damage losses.

These are included under the six elements of an automobile insurance policy, which are

• Property Damage Liability
• Collision
• Comprehensive
• Bodily Injury Liability
• Medical Payments or Personal Injury Protection (PIP)
• Uninsured Motorist Coverage

Commercial coverage incudes these categories, as well as coverage for:

• Private vehicles used in the business infrequently
• Vehicles that are leased, hired or otherwise used on a short term basis by the business

Additional insurance can be purchased to cover expenses like rental cars and roadside assistance.

Different states have different auto insurance laws that require types of coverage and have minimum limits. It’s recommended that auto insurance purchasers are aware of state requirements before signing a policy.

Mid States Auto Insurance Customer Service

Quotes can be provided online through our website. With our FREE quote comparison tool, you can fill out a short amount of information about their insurance needs and a representative will contact them.

The website offers a detailed quote requests. Customers give full information for a comprehensive quote, including:

• Detailed vehicle and driver information
• Desired deductibles for comprehensive and collision, coverage
• Whether towing and rental reimbursement is needed for each vehicle
• Liability limits for bodily injury and property damage

The website also features an account management feature for customers, with the following services:

• change name or address
• order identification cards
• report a claim
• make a payment
• add and remove drivers
• add and remove vehicles
• give notice of property or business loss

The website includes some helpful forms and worksheets, including:

• accident reports
• home inventory
• a memory jogger to help fill out the home inventory sheet

It also offers links and tips like:

• How to preparing for a property loss, an accident or an auto theft or loss
• Guides for saving money on auto insurance
• Accident forms to keep in glove box
• Safety ratings for automobiles

The site specifies that information is not shared, and includes a security code when entering personal information. Try our FREE quote comparison tool to see if Mid States Auto Insurance is the best option for cheap auto insurance in your area.Compare auto insurance reviews and also the rates and services provided by Mid States Insurance to other providers in your area with our FREE ZIP code search today to find out whether their coverage meets your needs!