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Where does Foremost do business?

Foremost is an insurance carrier based in Caledonia, MI. The company was founded in 1952 and offers auto insurance in 50 states (and Washington, DC).

What types of auto insurance coverage does Foremost offer?

Although we often talk about auto insurance in the singular, it really includes several types of coverage. Foremost offers the following types of auto insurance coverage:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 

  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.

  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.

  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.

  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.

  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.

  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.

  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Foremost customers can also add the following riders or endorsements to their policies:

  • Transportation Network Company or ride-sharing coverage: Standard auto policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.

  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.

  • Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.

  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

What benefits does Foremost offer?

Foremost offers the following benefits to its customers:

  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

  • Digital Claims Reporting: Never fax or mail a document again.

  • Vehicle Policy Endorsements
    • Emergency Roadside Service
    • Loan / Lease / GAP Coverage
    • Rental Car Coverage
    • Ridesharing / TNC Coverage
  • Liability Vehicle Insurance
    • Bodily Injury Coverage
    • Property Damage Coverage
    • Uninsured Motorist
    • Underinsured Motorist
  • Medical Vehicle Insurance
    • Medical Payments Coverage
    • Personal Injury Protection
  • Vehicle Coverages
    • Comprehensive
    • Collision
  • Policy Discounts
    • Automatic Payment
    • Claims Free
    • Full Payment
    • Multiple Policy
    • Multiple Vehicles
    • New Customer / Competitor Transfer
    • Paperless Billing / e-billing
    • Student Away at School
    • Young Driver Training
  • AM Best Financial Strength Rating
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  • Carrier Features
    • Locally Available Agents
    • Digital Claims Reporting
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