I t’s important to make sure that your insurance coverage keeps up with your busy life. Whether you’re purchasing a new vehicle, adding a
new driver or just seeking the best coverage for
yourself and your family, you may want to consider
DriveSmart Advantage is cost-effective
and offers several layers of protection, including
New Car Replacement, Second Chance Accident
Forgiveness, Pet Injury Protection, Ultimate Rental
and Deductible Dividends.
Are you hoping to buy or lease the new car of
your dreams but afraid of something happening to it?
You can feel confident that you have the protection
you need with New Car Replacement Guard. If
your new car is unexpectedly totaled within one
year or 15,000 miles of the purchase date, whichever
comes first, you will be covered for its replacement
without a deduction for depreciation.
Worried about an accident increasing your
premium? Accidents happen, and they are not always
your fault or your family members’ fault. Good drivers
shouldn’t have to pay for the mistakes of others.
Whether you’re adding a new driver or
protecting the current drivers on your policy, Second
Chance Accident Forgiveness allows a driver’s first
surchargeable accident in any 36-month period to be
forgiven. This means that there will be no surcharge
points or premium increase as a result. Please note,
however, that regardless of the number of drivers on
your policy, once one accident is forgiven you will
be surcharged for all other accidents occurring within
that 36-month period.
Concerned about the well-being of that beloved
dog or cat that often travels with you? Pet Injury
Protection will pay up to $500 for veterinary fees
related to injuries sustained by the dog or cat while
in your vehicle and involved in a covered collision or
limited-collision loss. The dog or cat must be owned
by you or a member of your household.
Educators Insurance will also pay up to $500
for burial or disposal expenses if the dog or cat
dies. There is no deductible for this coverage.
In the event of an accident, Ultimate Rental
insurance will reimburse you for expenses, up to
your selected daily amount, to rent a substitute
vehicle while yours is being repaired by a provider
recommended by Educators Insurance.
When you add DriveSmart Advantage to
your policy, you’ll see immediate rewards. Under
Deductible Dividends, you’ll save $100 on your
collision deductible. Each year that you have no
surchargeable losses, you’ll receive an additional
credit of $100. Continuing this trend for five years
would save you $500.
Educators Insurance is always looking for real
value to help you save money on your insurance
needs. It’s important to be prepared for any
situation, and DriveSmart Advantage gives you
and your family peace of mind as well as proper
To learn more about DriveSmart Advantage
and the other benefits of this endorsement,
please call EIA today at 877.284.7646 or visit
All products are underwritten by The Hanover Insurance Company
or one of its insurance company subsidiaries or affiliates (“The Hanover”).
Coverage may not be available in all jurisdictions and is subject to the
company underwriting guidelines and the issued policy. This material
is provided for informational purposes only and does not provide any
coverage. Educators Insurance Agency (“EIA”) is a member of The
Hanover Insurance Group, Inc. For more information about The Hanover,
visit our website, www.hanover.com. EIA also offers products through
Andover Insurance Company, which is not a member of The Hanover
Insurance Group, Inc. LC 2016-098
Open enrollment ends soon for MTA disability insurance
W e all think a disability is something that won’t happen to us. But we all know someone who
has slipped on the ice, broken a limb, suffered a back
injury or developed a debilitating illness.
Accidents and injuries happen every single day. Luckily,
many MTA members still have the chance to learn
about short- and long-term disability insurance and find
out why this coverage is so important.
Enrollment period ends May 13
There is never a good time to be without a paycheck.
But if you have disability insurance through the MTA,
You can’t be denied coverage during the open
enrollment period. Why not get coverage while it’s
To schedule an on-site meeting in your district,
call Pearson Grane at 888.636.0112, ext. 210,
or e-mail firstname.lastname@example.org.
To learn more about offering the plan to members in
your local association, call Tom Colbert at 774.551.0013,
ext. 101, or e-mail Thomas.email@example.com.