Enables policyholders to upgrade to a hybrid model, or its equivalent, during the first three model-years in the event of a total loss

Fireman’s Fund Insurance, a property and casualty insurance company, has introduced hybrid upgrade auto insurance.

Moreover, new vehicle replacement coverage is available, insuring the replacement cost of vehicles that are total losses for up to their first three model years (option available for five model years). The hybrid auto upgrade enables policyholders to upgrade to a hybrid model (or its equivalent) during the first three model-years, in the event of a total loss.

Fireman’s Fund differentiates by offering full replacement coverage, including increased cost to replace, with a new vehicle, claims the company.

Vehicles will be replaced with the most current make and model available, including similar equipment and options in which there is no depreciation reduction.

The Prestige Auto Premier policy also includes rental reimbursement coverage up to $10,000 in the event of a loss, injury to pets due to an automobile accident up to $5,000, handicap vehicle retrofit if permanently disabled in an auto accident up to $10,000.