NOVATO, Calif.--(BUSINESS WIRE)-- Fireman's Fund Insurance Company is the first to introduce hybrid upgrade auto insurance, enabling car owners to go green. In addition, new vehicle replacement coverage is available - insuring the full 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. This is an attractive choice for those car owners who want to protect the value of their assets, reduce their energy costs, and protect the environment.

Ninety percent of U.S. adults are open to choosing a hybrid if they were in the market for a new vehicle, according to the Johnson Controls survey conducted by Harris Interactive (http://www.mema.org).

Many car owners are opting for hybrids and alternative fuel vehicles to reduce fuel costs and pollution, said Don Soss, vice president of Personal Insurance.

Most auto insurance policies pay actual cash value (cost of the vehicle when purchased new minus depreciation) if an auto is damaged beyond repair or stolen. This doesn't account for the extra cost you would have to pay to purchase a new vehicle, often costing thousands of dollars more. Fireman's Fund differentiates by offering full replacement coverage, including increased cost to replace, with a new vehicle.

Vehicles will be replaced with the most current make and model available, including similar equipment and options. There is no depreciation reduction, but rather the increased cost to replace with a new vehicle is covered. These optional enhancements to the Prestige Auto^® Premier policy are now available in six states: AZ, CO, CT, IL, MD, and TX.

Both of these coverage enhancements apply without a deductible.

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.

Fireman's Fund led the way in 2006 with the first green insurance for commercial buildings and has continued to expand its green products and services across all lines of business including homeowner's and auto, real estate, hotels, restaurants, manufacturers and risk services. (www.firemansfund.com/green).

About Fireman's Fund

Fireman's Fund Insurance Company is a premier property and casualty insurance company providing personal and commercial insurance products nationwide. It is rated ˜AA-' by Standard & Poor's Rating Services. Fireman's Fund is a member of the Allianz Group (NYSE:AZ), one of the world's largest providers of insurance and financial services. For additional information, visit www.firemansfund.com.

© 2009 Fireman's Fund Insurance Company, Novato, CA 94998





Fireman's Fund

Janet Ruiz, 415-899-5381

janet.ruiz@ffic.com

Source: Fireman's Fund Insurance Company