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States Available:
New Jersey, Delaware and Pennsylvania
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Johnston Insurance Group offers specialized insurance programs that provides
coverage for personal automobiles.
Coverage Offered in Program:
Custom Parts and Equipment (CPE)
- First $1,000 of custom parts or equipment* covered on a vehicle with
physical damage coverage.
- If the added equipment on a vehicle exceeds the $1,000 base, additional
insurance can be purchased with coverage up to a maximum of $4,000 ($5,000
total custom parts or equipment coverage including the $1,000 automatically
covered).
- Vehicles with more than $5,000 of custom parts or equipment (requiring
more than $4,000 additional coverage) are to be rated as stated amount.
*"Custom parts or equipment" means equipment, accessories or enhancements,
other than those which are original manufacturer installed, which:
a. are permanently installed or attached; and
b. alter the appearance or performance of a vehicle.
- This includes stereos, tape or CD players or any other electronic
equipment or devices, including antennas, that are permanently installed
in a covered vehicle or use bolts or brackets, including side-out
brackets.
- Coverage will extend to the lesser of actual cash value, declared
value, or actual cost to repair. The insured will be required to
maintain and present proof or purchase and proper installation upon
request.
Roadside Assistance
- Emergency Roadside Assistance coverage provides payment for an
authorized service representative to provide:|
(1) towing of a covered disabled vehicle to the nearest qualified repair
facility, or to any facility within 15 miles; and
(2) labor (up to one hour) on a covered disabled vehicle at the place of
disablement, including:
-battery jump-start
-flat tire change
-emergency fuel and fluid delivery*
-locksmith service*
when necessary due to a covered emergency.
*Customer would pay only for the cost of the fuel/fluids and keys.
- Comprehensive and Collision coverages required.
- Can be purchased for one, several, or all vehicles
Loan / Lease Payoff Coverage
- Available where is a leaseholder or lienholder for the vehicle. A lessor
or lienholder can only be a financial institution, it cannot be a private
individual.
- Provides coverage when a vehicle sustains a total loss
- Covers the difference between the actual cash value of the vehicle at
the time of loss (less deductible) and the amount owing on the loan or
lease. (Payment will not exceed 25 percent of the actual cash value of the
vehicle at the time of loss.)
- Can be purchased on new and used vehicles at any time during the policy
term.
- Collision and Comprehensive coverage required
- Payment will not include unpaid finance, excess mileage or any other
charges or expenses associated with he loan or lease.
Johnston Insurance Group has specialized in the Insurance business for more
than 50 years.
For more information about our programs contact Denise Kinney at
Denise@JohnstonInsurance.com to schedule a diagnostic appointment.
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