Understanding Policy 48917: What You Need to Know About Your Auto Insurance

What Is Policy 48917?

Policy 48917 is a standardized designation used by many carriers to refer to a specific auto insurance product. It typically covers the same core components—liability, collision, comprehensive, uninsured motorist, and medical payments—while allowing carriers to bundle optional add‑ons such as roadside assistance or rental reimbursement.

Core Coverage Elements

Regardless of the carrier, policy 48917 generally includes:

• Liability (bodily injury & property damage)
• Collision (damage from a collision)
• Comprehensive (theft, vandalism, weather)
• Uninsured/Underinsured Motorist
• Medical Payments (MedPay)

Liability Limits

Typical limits are 100/300/50 (Bodily Injury per person / per accident / Property Damage). Adjusting these limits directly impacts premium and potential out‑of‑pocket costs.

Collision & Comprehensive Deductibles

Deductibles usually range from $250 to $1,000. Lower deductibles raise premiums but reduce out‑of‑pocket repair costs.

Optional Add‑Ons

Policy 48917 can be customized with:

• Roadside Assistance
• Rental Reimbursement
• Gap Insurance
• New Car Replacement

Common Exclusions

Beware of these standard exclusions:

• Intentional damage or vandalism by the insured
• Vehicle use for commercial purposes without a commercial endorsement
• Driving under the influence (unless covered by a separate rider)

How to Maximize Value

To keep premiums low while maintaining robust coverage:

• Shop around—compare quotes for the same policy number across carriers.
• Bundle with other insurance products to qualify for discounts.
• Maintain a clean driving record; many carriers offer safe‑driver discounts.
• Consider a higher deductible if you have a healthy emergency fund.

Compliance and Filing Claims

When filing a claim under policy 48917:

• Report the incident within the timeframe specified in the policy.
• Provide all requested documentation—police report, photos, repair estimates.
• Use the carrier's preferred repair shop list to avoid surprise costs.

Is Policy 48917 Right for You?

Evaluate your personal needs: vehicle value, driving habits, budget, and risk tolerance. A thorough comparison of coverage options, deductibles, and optional add‑ons will reveal whether policy 48917 meets your requirements.