This program follows the Standard Personal Auto Policy (PAP) in Texas. There is permissive use, the liability coverage follows the insured to ANY vehicle, borrowed or rented. This policy also provides Comprehensive and Collision as well. We would like to have all Household members on the declarations page, like all of our programs. This is the broadest coverage of any policy that Empower offers. Insured must have a valid U.S. driver’s license.
With Empower Enhanced, your policy will endorse the following…
- Storage
- Contractual Liability Exclusion
- Automatic Termination
- Restricted Out of State Coverage
- Restricted Rented Property and Non-Owned Auto
Enhanced Program Features
- 6 Month Program
- 30/60/25 Limits of Coverage
- Liability Coverage
- Collision & OTC Programs (No photos required)
- Uninsured/Underinsured Motorist 30/60/25 Limits
- Personal Injury Protection $2500
- In House Agency renewal Transfer Discount (minimum 6 mos POP within agency. Empower to Empower does NOT qualify)
- Homeowner Discount (house or mobile home)
- Full Disclosure Discount
- EFT Discount (use credit card and checking acct)
- 6 month, 12 month & 24 month Prior Discount (Empower POP can be used)
- SR-22 (can be any driver on policy, for state of TX only)
- Rental & Towing (Reimbursement Only)
- Current Texas Driver’s License (suspended ok w/ SR-22 filing)
- Valid Out of State Driver’s License (no surcharge/no need to change within 30 days)
- Foreign DL, Matricula, Non-USA Passport, Permanent Resident Card, Voters Card, Work Visa
- Expired Driver’s License (no need to renew)
- Any US ID Card current or expired (pick TX ID)
