Resource Library - Auto Insurance

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Insurance definitions you should know

Insurance is complicated. We want to help make it simple. Read on as we clear up some of the insurance terms you need to understand to become a more informed insurance consumer.

Is texting the new DUI?

April is Distracted Driving Awareness Month. As more drivers take their cell phones into their vehicles, distracted driving continues to grow as a traffic safety issue. Learn more about the dangers and pick up some helpful tips to reduce your risk.

What To Expect If Your Vehicle is a Total Loss

Answers to some commonly asked questions 

Renting a Vehicle

Frequently asked questions about renting a vehicle

What If You Are In An Accident

Tips and contact information you should know if you are in an accident and have your auto insurance with us.

Auto Insurance Created Just For You

We’re not your typical insurance company. A brochure about our auto insurance coverage.

Auto and Home Insurance Loyalty Program

About Member Benefits’ Loyalty Program

Does your current auto insurance policy offer these exceptional features?

Compare our auto insurance policy features with your current policy. We can help you sort it out. As a Wisconsin educator, you qualify for a free personal insurance consultation with Member Benefits.

Smart Money Move #4: Protect your investments...big and small

It takes time and money to accumulate the things you have. You've worked hard for them—be sure you have adequate insurance coverage.


Our homeowners discount programs can save you money on your insurance premium. Review your coverage regularly with one of our Member Service Consultants to be sure you’re receiving all of the discounts for which you qualify.

College Coverage Q&A

Here is a list of questions we’re commonly asked from parents about how their insurance coverage extends to kids in college. The answers assume you have insurance coverage through WEA Property & Casualty Insurance Company.

Insurance literacy survey says...

Believe it or not, insurance is an important part of your financial security. Gaps in insurance coverage may leave you financially exposed.

If you’re like most people, once you’ve purchased insurance, you don’t think about it much. You assume that if something happens, your insurance will pay for it and you’re covered. But are you?


Stay vigilant to prevent vehicle theft

As vehicle thefts continue to trend downward, fewer people are worrying about their car being stolen (2014 Gallop poll). Despite this trend, industry observers caution that thieves constantly devise new and sophisticated means of stealing autos. The National Insurance Crime Bureau recommends using a "layered approach" toward protecting your vehicle.

Are you wisely protected?

Insurance consumers fall into one of three categories—the Wisely Protected, the Exposed and Unaware, and the Unintentional Over-Spender. While nearly everyone THINKS they are Wisely Protected, few actually are. If you’re like most people who treat auto and homeowners insurance like a commodity—or one-size-fits-all—you risk leaving yourself (and your family) exposed to financial loss or purchasing coverages you don’t need. Here's how to get wise with insurance.

Keep insurance coverage up to date

Why should I keep my insurance coverage up to date? Regular adjustments can help protect you and your family against financial loss and save you money.

What not to trim

There are many ways to save money on auto and home insurance, but cutting back on insurance coverage is not one of them. There are better ways to save.

Lower your auto insurance costs

Are you doing all you can to save money on your auto insurance? Here are some tips on how to keep your premiums low.

College student insurance checklist

Here are some FAQs we receive from parents about how their insurance extends to their kids in college. Our answers assume you carry your insurance with us.

Five critical times to review your insurance

Make sure your insurance is keeping up with your life! We share a few critical events that should trigger a review of your policies.

Are you wisely protected? An example

In our article, “Are you wisely protected?”, you learned that insurance consumers fall into one of three categories—the Wisely Protected, the Exposed and Unaware, and the Unintentional Over Spender. While nearly everyone THINKS they are Wisely Protected, few actually are. Here’s one example to help illustrate our point.

Reduce your risk of vehicle theft

Believe it or not, an automobile is stolen every 43 seconds in the U.S. According to the National Insurance Crime Bureau (NICB), vehicle theft is one of our nation’s most costly property crimes. In any given year, only a little more than half of the vehicles stolen are recovered. Some are shipped overseas and sold on the black market; others are stripped for parts or sold to unsuspecting consumers.

Fatal distractions

It’s estimated that one in ten motor vehicle accident fatalities are the result of distracted driving. What causes so many drivers to feel they can take their eyes and mind off the road? The answer: complacency.

Wondering if you qualify for our insurance program in retirement?

As a Wisconsin public school employee, you are eligible to participate in our high-quality personal insurance program, which includes auto, home, condo, renters, flood, and umbrella insurances. Our insurance products have been tailored to meet your unique needs as a Wisconsin educator. However, if you’re retiring soon and are interested in our insurance products, plan ahead.

You can stick with us

Did you know that you can stay insured with us even after you leave your school job or retire? And your Member Benefits’ 403(b) and IRA accounts can remain with us whether you retire, change districts, or change professions?

“100 Deadliest Days” have begun

AAA just released their top driving distractions for teens as the “100 Deadliest Days” begin from Memorial Day through the summer. Find out the top three distractions for teens, get ideas on how to educate your teen about distracted driving, and follow the link to the full article.


Hitting a deer can be a traumatic experience any time, but hitting a deer during the holidays is even more stressful. Fortunately for member Sharon Morell, Member Benefits made it a little easier.



Hitting a deer can be a traumatic experience any time, but hitting a deer during the holidays is even more stressful. Fortunately for this member, Member Benefits made it a little easier.

Protecting what's important: Take the pledge

Distracted driving kills and injures thousands of people each year. This article is the fifth and last in a series of facts and scenarios that can help you understand the risks you may be taking in your daily life so you can protect those you love, the things you’ve worked hard for, and the security you’ve built for your family.

Uber issues

While taxi/ride sharing services like Uber has legions of fans, it has come under scrutiny for issues related to passenger and driver safety, not the least of which is related to inadequate insurance.

Protecting what's important: True story

Read about a true story that happened to one of our members and learn about the importance of Uninsured Motorist/Underinsured Motorist coverage and the part it had to play in his accident.

Life is like a box of chocolates…

“You never know what you’re gonna to get.” Words of wisdom from the character Forrest Gump and reason to make sure you and your family are adequately protected from the challenges that life can throw your way. If you haven’t reviewed your coverage lately, contact us for a free consult.

Winter driving checklist

Cold temperatures have come to Wisconsin, as we knew they would. Did you put off getting your car ready for winter? Here’s a quick checklist to help you gather the needed supplies and get into the winter driving mindset.

Questions to ask and value-added items to consider when purchasing insurance

In our article, "We want you to be a better insurance consumer," we discussed ways you can evaluate whether you are actually getting a good deal on your home and auto insurance by looking beyond price and having a better understanding of your insurance needs. Learn about other value considerations and specific questions to ask yourself that can help you when making a decision on insurance.

Be a better insurance consumer

Think you’re getting a good deal on your current insurance? What does a good deal mean to you? Is it all about price? Do you know what you’re paying for? What’s your exposure to financial loss? You might be taking on more risk than you think.

Four financial goals for fall

How times flies! We’re already well into the new school year. Before the holidays get too close, why not take advantage of the season by taking a peek at your finances. Here are four things you can do to get ahead.

Need to take action on your insurance? We make it easy

Member Benefits makes it easy to take care of your insurance needs online. You can file a claim, update your policy, learn about your coverage, and more...whenever it's convenient to you. Here's a little summary of what you can find on our website to help you with your insurance needs.

Our winter lay-up program for your summer toys could save you money

Do you have a boat, motorcycle, and/or an RV insured by Progressive through WEA Member Benefits? If so you could save money on your off-season premiums by participating in the winter lay-up program. The lay-up program reduces premiums temporarily by reducing selected coveragessuch as bodily injury and collisionwhile your summer toys are stored away for the winter season.

Safe travel tips

Mark DannehlIs there a summer road trip in your future? Follow the Boy Scout motto of "Be Prepared" and you may save yourself some potential frustration.

Do some car prep

Before hitting the road, make sure your car is in good working order. 

  • Make sure the oil and filter have been changed recently.
  • Evaluate your tires for pressure as well as wear and tear. If they're on their last legs, have them replaced and aligned.
  • Be sure your windshield wiper blades are in good shape and that your wiper fluid tank is full.

If your adult kids are still on your policy...then what?

They certainly grow up fast. At some point they will be on their own—making their own decisions, buying their own insurance, and renting their own apartment.

Good news! Dependent children on your auto insurance policy may continue insurance coverage with Member Benefits after they are on their own. When your son or daughter is ready to purchase their own policy, give us a call. We can help them evaluate their insurance needs and give them a quote.

Summer comes, and summer goes

Let us answer your retirement savings questions and make sure your auto and home insurance is providing you and your family the protection you need.

Free summer financial planning consultations and insurance consultations fill up fast. Call now to schedule yours.

Take a closer look at your insurance coverage

An insurance consultation is a free service to Wisconsin public school employees.

Protect your investments...big and small [INFOGRAPHIC]

You may not have thought about it, but having adequate insurance coverage is an important part of your financial strategy. Here are a few tips to consider.

Prep your car for spring

Now that the weather is getting warmer (do I hear a collective cheer?), it’s important to get your car ready for spring. While some things may require a professional, there are plenty of things you can do yourself.

Prepare for winter driving [INFOGRAPHIC]

We know spring will get here eventually, but meanwhile, make sure you have essential supplies with you in your car in case of emergency and that you are driving properly for changing conditions.

Grand theft auto: Stolen and recovered

At 4 a.m. on September 17, 2010, the phone rang at the home of Mark and Cheryl Campbell. “Getting a call at 4 a.m. is never good,” says Mark. It was their son Damon, who was in Dayton, Ohio, doing a surgical residency. Damon called because his car was gone.

Save money with our winter lay-up program for your summer toys

Do you have a boat, motorcycle and/or an RV insured by Progressive through WEA Member Benefits? If so, you could save money on your off-season premiums by participating in the winter lay-up program. The lay-up program reduces premiums temporarily by reducing selected coverages—such as bodily injury and collision—while your summer toys are stored away for the season.

Act 14: Wisconsin Auto Insurance Law Changes

Wisconsin Act 14—the budget bill passed this summer—included insurance laws that essentially rolled back those enacted in 2009 as part of Act 28. The changes will take effect on November 1, 2011, and will impact all Wisconsin residents with automobile and umbrella policies.


Information on deductibles and choosing the right one for you.

Save money with higher insurance deductibles

Raising your auto or home insurance deductibles can save you money on insurance premiums. Is a higher insurance deductible right for you?

Know the importance of UM and UIM coverage

Injuries from an auto accident can create considerable financial hardship. Uninsured (UM) and underinsured (UIM) motorist coverage protects you and your family.

2017 Guaranteed Rate