Dairyland Car Insurance is a specialized auto insurance provider that caters to drivers who may have difficulty obtaining coverage from mainstream insurers. Established in 1953, Dairyland has built a reputation for offering high-risk and non-standard auto insurance policies to individuals with less-than-perfect driving records, poor credit scores, or other unique circumstances.
Over the years, the company has expanded its operations nationwide, becoming a trusted choice for drivers seeking affordable and flexible coverage options. Today, Dairyland operates as a subsidiary of Sentry Insurance, a well-established mutual insurance company based in Wisconsin.
One of the key strengths of Dairyland Car Insurance is its ability to provide coverage for a wide range of drivers, including those with DUI/DWI convictions, multiple accidents or violations, lapses in insurance coverage, and even drivers with international licenses or permits. The company offers various policy types, including liability coverage, collision and comprehensive coverage, uninsured/underinsured motorist coverage, and more.
Coverage
Dairyland Car Insurance offers a comprehensive range of coverage options to meet the diverse needs of drivers. Here’s a detailed overview of the different types of coverage available:
Options
Liability Coverage
Liability coverage is typically required by most states and is divided into two parts: bodily injury liability and property damage liability. Bodily injury liability covers medical expenses for injuries you cause to others in an accident, while property damage liability covers the cost of repairing or replacing the other party’s vehicle or property.
Collision Coverage
Collision coverage protects your vehicle in the event of a collision with another vehicle or object, regardless of who is at fault. This coverage helps pay for repairs or replacement of your vehicle if it is damaged in an accident.
Comprehensive Coverage
Comprehensive coverage provides protection for your vehicle against non-collision incidents, such as theft, vandalism, fire, falling objects, or damage caused by animals. This coverage can help cover the cost of repairing or replacing your vehicle in these situations.
Uninsured/Underinsured Motorist Coverage
Uninsured motorist coverage protects you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages. Underinsured motorist coverage kicks in when the at-fault driver’s insurance limits are insufficient to cover your expenses.
Personal Injury Protection (PIP)
Personal Injury Protection, also known as no-fault coverage, helps cover medical expenses, lost wages, and other related costs for you and your passengers, regardless of who is at fault in an accident. This coverage is required in some states and optional in others.
Rental Car Coverage
Rental car coverage, also known as rental reimbursement coverage, helps cover the cost of a rental vehicle while your car is being repaired after a covered accident or theft.
Roadside Assistance
Roadside assistance coverage provides services like towing, jump-starting, flat tire changes, and lockout assistance if your vehicle breaks down or encounters problems while on the road.
Dairyland Car Insurance allows you to customize your coverage by selecting the limits and deductibles that best suit your needs and budget.
Discounts
Dairyland Car Insurance offers a range of discounts and savings opportunities to help customers lower their premiums. One of the most significant ways to save is by bundling your auto insurance with other policies, such as homeowners or renters insurance. Bundling multiple policies can often result in substantial discounts, sometimes up to 25% off your total premiums.
Another popular discount is the safe driver discount, which rewards policyholders for maintaining a clean driving record free of accidents or violations. Good students can also take advantage of discounts by maintaining a certain grade point average, typically a B or higher.
Savings
Additional discounts are available for defensive driving courses, low mileage, and paying premiums in full upfront. Dairyland also offers discounts for certain professions, such as teachers, military personnel, and first responders, as well as for vehicles equipped with safety features like anti-lock brakes and airbags.
To maximize savings, Dairyland encourages customers to review their policies annually and explore all available discounts. Their knowledgeable agents can guide you through the process and ensure you’re taking advantage of every opportunity to reduce your insurance costs.
Step 1: Report the Incident
As soon as possible after an accident or incident, report it to Dairyland Car Insurance. You can do this by calling their 24/7 claims hotline or by initiating the claims process through their website or mobile app. Be prepared to provide basic information about the incident, such as the date, time, location, and a brief description of what happened.
Step 2: Provide Necessary Information
Once you’ve reported the incident, a claims representative will guide you through the process and collect the necessary information. This may include:
- Your policy number and contact information
- Details of the accident or incident, including a police report if applicable
- Information about the other parties involved (if applicable)
- Photos or videos of the damage
- Repair estimates or invoices (if available)
Step 3: Adjuster Assignment and Investigation
Dairyland Car Insurance will assign an adjuster to your claim. The adjuster’s role is to investigate the incident, assess the damage, and determine the appropriate course of action. This may involve scheduling an inspection of your vehicle or requesting additional documentation.
Step 4: Damage Assessment and Repair Approval
After the investigation, the adjuster will provide you with a damage assessment and repair estimate. If the repairs are approved, you’ll be given instructions on where to take your vehicle for repairs. Dairyland Car Insurance works with a network of approved repair facilities to ensure quality workmanship and customer satisfaction.
Typical Claims Process Timeline
The timeline for the claims process can vary depending on the complexity of the claim and the extent of the damage. However, Dairyland Car Insurance strives to handle claims as efficiently as possible. In general, you can expect the following timeline:
- Initial report and information gathering: Within 24-48 hours
- Adjuster assignment and investigation: Within 3-5 business days
- Damage assessment and repair approval: Within 5-7 business days
Throughout the process, Dairyland Car Insurance will keep you informed and provide regular updates on the status of your claim. If you have any questions or concerns, their claims representatives are available to assist you.
Financial Strength and Stability
Dairyland Insurance Company’s financial strength and stability are crucial factors to consider when choosing an auto insurance provider. The company’s ability to pay claims and honor its commitments to policyholders is of utmost importance. Fortunately, Dairyland has consistently demonstrated its financial prowess and maintained a strong financial standing.
One of the most respected rating agencies in the insurance industry, A.M. Best, has assigned Dairyland an “A” (Excellent) rating for its financial strength. This rating reflects the company’s solid capitalization, favorable operating performance, and robust risk management practices. An “A” rating from A.M. Best is a testament to Dairyland’s ability to meet its ongoing insurance obligations.
Dairyland Car Insurance Mobile App
With the app, you can easily manage your policy, file claims, access digital insurance cards, and more.
Key Features:
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Policy Management: View your policy details, coverage limits, and payment information. You can also update your personal information or vehicle details directly from the app.
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Digital Insurance Cards: Access your digital insurance cards for proof of coverage whenever you need them. You can easily share or download the cards for your convenience.
- Frequently Asked Questions
Q: What types of car insurance coverage does Dairyland offer?
They offer both basic and enhanced coverage levels to suit different needs and budgets.
Q: How do I file a claim with Dairyland?
A: You can file a claim with Dairyland by calling their 24/7 claims hotline or through their online claims center. Dairyland aims to handle claims efficiently and keep you informed throughout the process.
Q: Does Dairyland offer discounts on car insurance?
A: Yes, Dairyland offers several discounts to help customers save on their premiums. Some common discounts include multi-car, good driver, defensive driving course, Car Insurance paid-in-full discounts. Discounts may vary by state and individual circumstances.