Hastings Mutual: Overview

Who underwrites Hastings car insurance?

Hastings Mutual company underwrites its own car insurance.

Does Hastings do multi-car insurance?

Yes, Hastings Mutual auto insurance offers multi-car insurance and you can get a discount by doing so.

How do I cancel my Hastings car insurance?

To cancel your Hastings Car Insurance you should call your local agent.

Does Hastings Mutual insurance automatically renew?

Hastings Mutual gives you the option to renew your insurance policy and you can do that by contacting your local agent.

What insurance coverage does Hastings Mutual offer business owners?

Hastings Mutual offers the following coverage options for business owners: 

• Business Income and extra expense - Actual Loss Sustained, No Waiting Period
• Replacement Cost - Buildings & Property 
• Accounts Receivable
• On-Premises/Off-Premises Money & Securities
• Valuable Papers and Records
• Basic Liability
• Contractual Liability
• Per Person Medical
• Tenant’s Fire Legal Liability
• Equipment Breakdown
• Employee Dishonesty 
• Employee Benefits Liability
• Ordinance or Law

Does a dashcam lower car insurance with Hastings?

In 2012, the company launched a usage-based insurance product under the Hastings Direct SmartMiles brand. The SmartMiles product requires a telematics device to be fitted to the insured vehicle. There are other options to lower your insurance rates, such as: 

• Claim Free Discount
• Good Student Discount
• Away at School Discount
• Defensive Driving Discount
• Paid in Full Discount
• Paperless Bills Discount
• Multi-car Discount
• Multi-policy Discount

How good is Hastings Mutual insurance?

The company is financially strong, with an A.M Best Rating of A or Excellent for customer service.

How to cancel Hastings Mutual insurance renewal?

To cancel your Hastings car insurance you should contact your local agent by phone.

Does Hastings Mutual cover roadside assistance?

Hastings Mutual offers roadside assistance as an optional coverage and it includes the following services: Towing Flat Tire Emergency Fluid Delivery Dead Battery Concierge Service Locked Out Service Minor Mechanical Assistance

How does Coverage Plus work with Hastings Mutual?

Hastings Mutual offers coverage plus endorsements, which enhance your Homeowners policy to guarantee additional protection for your home and personal belongings. It includes additional benefits such as:

• Replacement cost on personal property
• Increased sewer and drain backup
• Personal injury protection
• Increased identity recovery expense
• Increased debris removal
• Increased coverage limits on the theft of money, securities, jewelry and furs, firearms, and silverware/gold-ware
• Lock and entry replacement for stolen keys
• Increased credit card, fund transfer card, forgery, and counterfeit money coverage
• Loss assessment increase
• Mortgage extra expense coverage
• Incidental business liability coverage available
• Landslide

How to save on homeowners insurance with Hastings Mutual:

Hastings Mutual offers the following discount for homeowners insurance:

• Multi-policy Discount
• Loyalty Discount
• New Home Discount
• Protective Devices Discount

Does Hastings Mutual offer earthquake protection with renter insurance?

Hastings Mutual offers an earthquake coverage for renters, depending on location.

Which states does Hastings Mutual insurance operate in?

Hastings Mutual operates in six Midwestern states, including Illinois, Indiana, Iowa, Michigan, Ohio, and Wisconsin.

Does Hastings Mutual have good homeowners insurance?

Hastings Mutual offers a comprehensive list of home insurance coverage and enhancement packages including Identity Theft, Personal Property, and Coverage Plus. According to some review sites, customers said that the company offers affordable rates and really helped them with all their home insurance needs and claims

What is pet injury coverage by Hastings Mutual auto insurance?

Hastings Mutual offers pet injury coverage when you buy auto insurance. It pays for veterinary charges for your cat or dog injured in an accident while riding with you in your covered auto.

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Roadside assistance

This coverage helps you get back and driving if you have a roadside breakdown.

Pet Injury Coverage

This coverage pays for medical bills for injured pets, in the event of an accident.

Travel Interruption

This coverage pays for the expenses that may occur if you are traveling more than 100 miles away from home and your travel is interrupted due to a covered loss.

Towing Coverage

This coverage gives you the option to receive free unlimited towing from a Hastings-chosen service, or up to 10 miles of towing from a service of your choice.

New Vehicle Replacement Cost

This type of coverage is for new vehicles with fewer than 400 miles and owned less than one year.

Auto Loan / Lease Coverage

This type of coverage is for vehicles with outstanding loans or autos that are leased. If there is a total loss to your covered auto, the financial penalty to you can be reduced considerably.

Pet Accidental Death Benefit

This type of coverage pays you $250 in case your beloved pet dies in an accident in which your vehicle is involved.