The following are the coverage categories offered by Century-National.

These descriptions provide only a brief outline of the features of your policy. If you'd like the complete terms and conditions of your policy, we'll be happy to provide them for you. Just call one of our friendly Customer Service Representatives at 1-800-760-5001.


Bodily Injury Liability and Property Damage Liability - pays damages for which you are legally liable arising from injuries, death, or property damage of others. Included are expenses of lawsuits, court costs, and other costs. This coverage is required by the state of California.

Medical Payments - pays up to the selected limits for reasonable medical expenses incurred within one year of an accident. Pays in excess of other collectible medical, surgical or hospital insurance for each person injured. Protects everyone in your automobile. Also protects you and your household relatives while in other automobiles, or if struck by any automobile. A 10% deductible applies, which will be waived if other valid collectible medical coverage is available.

Comprehensive - covers loss or damage to your car, less the deductible amount, caused by events other than collision. It includes fire, theft, glass breakage, hail, etc.

Collision - pays for damage to your car caused by collision with another object, less the deductible amount.

Uninsured Motorist - Bodily Injury - pays damages that you, household relatives and passengers in the insured automobile are legally entitled to recover because of bodily injury or death caused by an uninsured or hit and run automobile. Coverage also includes underinsured motorist protection if the other driver's Bodily Injury Liability limits are less than your Uninsured Motorists limits.

Uninsured Motorist - Property Damage - covers damage to your car to a maximum of $3,500 caused by direct physical contact with an uninsured motor vehicle when the vehicle or driver is identified and legally liable. This coverage is not needed if you have Collision coverage on your car.

Towing and Labor - pays for towing and labor costs necessitated by the disablement of your car up to a maximum of $75 for each incident. When your vehicle becomes disabled, a tow truck is dispatched to assist you 24 hours a day with a toll-free call. You will have no out of pocket expenses for services up to $75.

Rental Reimbursement - pays you up to $35 per day for a maximum of 30 days when you rent a car due to loss to your car, which would be covered under comprehensive or collision coverage.

California Discounts

  • California Good Driver

  • Good Student

  • Multiple Car Discount

  • Anti Lock Brakes

  • Airbags

  • Automatic Seat Belts

  • Defensive Driver course completion (Mature Driver)

  • Century-National Homeowner Policyholder

  • Century-National Earthquake Insurance Policyholder

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