Frankenmuth Credit score Union automotive insurance coverage affords complete protection choices tailor-made to your wants. This information explores the assorted insurance policies, protection particulars, and customer support points of their insurance coverage packages. Study obtainable reductions, monetary help, and methods to navigate the claims course of, evaluating them to different main credit score union suppliers.
From legal responsibility and collision protection to complete safety, this information delves into the specifics of every kind of coverage. Perceive the protection quantities, deductibles, and any exclusions or limitations. We additionally analyze how Frankenmuth Credit score Union insurance coverage charges examine to different suppliers within the space, highlighting components that have an effect on premiums.
Overview of Frankenmuth Credit score Union Automobile Insurance coverage
Frankenmuth Credit score Union affords complete automotive insurance coverage choices tailor-made to satisfy the various wants of its members. Their deal with offering reasonably priced and dependable protection makes them a well-liked alternative for drivers searching for safety and worth. This overview particulars the important thing points of their automotive insurance coverage choices, together with protection varieties, options, and a comparability to different credit score union suppliers.
Frankenmuth Credit score Union Automobile Insurance coverage Choices
Frankenmuth Credit score Union’s automotive insurance coverage portfolio supplies a spread of protection choices. This contains legal responsibility protection, collision protection, complete protection, and uninsured/underinsured motorist protection. Every coverage kind protects members from numerous dangers related to automotive possession. The choices cater to totally different driving conditions and budgets, permitting members to customise their protection based mostly on their particular person wants.
Key Options and Advantages
Frankenmuth Credit score Union’s automotive insurance coverage are identified for his or her aggressive pricing and versatile protection choices. Members respect the personalised service and devoted help supplied by the credit score union, fostering belief and a powerful buyer relationship. They usually embrace options similar to reductions for secure driving habits, a number of automobiles, and bundled insurance coverage merchandise. This mixture of affordability and buyer help is a big benefit for a lot of drivers.
Examples of Coverage Sorts
Frankenmuth Credit score Union affords a wide range of automotive insurance coverage insurance policies, every with its personal particular options and advantages. A fundamental coverage may embrace legal responsibility protection, defending members from monetary accountability within the occasion of an accident the place they’re at fault. An enhanced coverage may embrace collision and complete protection, offering broader safety towards harm to their car.
Additional, a coverage with uninsured/underinsured motorist protection supplies extra monetary safety if the opposite driver concerned in an accident is uninsured or underinsured.
Comparability with Different Main Credit score Union Insurance coverage Suppliers
Characteristic | Frankenmuth Credit score Union | [Example: Northwestern Mutual Credit Union] | [Example: PenFed Credit Union] |
---|---|---|---|
Premiums | Aggressive, usually with reductions for secure driving and membership. | Aggressive, with emphasis on transparency in pricing. | Aggressive, specializing in bundled providers. |
Protection Choices | Complete, together with legal responsibility, collision, complete, and uninsured/underinsured motorist protection. | Complete, with emphasis on tailor-made protection packages. | Complete, together with choices for add-on protection. |
Buyer Service | Devoted member service representatives, emphasizing personalised help. | Environment friendly on-line portals and sources for fast entry to info. | Customer support channels targeted on member comfort. |
Reductions | Obtainable for secure driving, a number of automobiles, and bundled insurance coverage merchandise. | Reductions for particular demographics, driving habits, and bundled providers. | Reductions based mostly on credit score historical past and membership stage. |
The desk above supplies a common comparability. Particular pricing and protection particulars might range based mostly on particular person circumstances and coverage selections. Additional analysis and direct session with the insurance coverage suppliers are essential to make an knowledgeable resolution.
Protection Choices and Particulars
Frankenmuth Credit score Union automotive insurance coverage affords a spread of protection choices to guard your car and its occupants. Understanding these choices is essential for choosing the best coverage that aligns along with your wants and funds. This part particulars the assorted kinds of protection, their specifics, and illustrative examples.Complete and collision protection, together with legal responsibility protection, are elementary points of a automotive insurance coverage coverage.
Legal responsibility protection protects you from monetary accountability for those who trigger an accident, whereas collision and complete protection handle harm to your car no matter who’s at fault. Understanding the nuances of every protection kind ensures you are adequately protected in numerous conditions.
Legal responsibility Protection
Legal responsibility protection safeguards you towards monetary obligations arising from accidents you trigger. This safety extends to accidents or property harm incurred by others. The coverage defines the extent of your accountability and the way the protection will reply. Completely different legal responsibility limits replicate various ranges of economic safety. Understanding your state’s minimal necessities is vital, as this may affect your decision-making course of.
- Bodily damage legal responsibility (BIL) covers medical bills and misplaced wages for people injured in an accident you trigger.
- Property harm legal responsibility (PDL) covers damages to the property of others concerned in an accident you trigger.
Collision Protection
Collision protection protects your car towards harm ensuing from a collision with one other object or car, regardless of fault. This protection pays for repairs or alternative prices, relying on the extent of the harm. It is essential to grasp the coverage’s limitations and exclusions to make knowledgeable selections.
- Collision protection usually covers repairs or alternative of your car if it is concerned in a collision, even in case you are at fault.
- Protection quantities are normally tied to the car’s market worth, not simply its restore value.
Complete Protection
Complete protection protects your car towards harm from occasions apart from collisions, similar to hearth, vandalism, theft, or weather-related incidents. This protection is essential for unexpected circumstances that may considerably impression your car’s situation.
- Complete protection supplies safety towards a variety of perils, together with hearth, hail, flood, vandalism, and theft.
- Understanding the exclusions for this protection is important to keep away from potential surprises.
Protection Quantities and Deductibles
Protection Sort | Protection Quantity | Deductible |
---|---|---|
Legal responsibility (BIL) | $100,000/$300,000 | $500 |
Collision | $10,000 | $500 |
Complete | $5,000 | $500 |
Word: Protection quantities and deductibles are examples and will range relying on the precise coverage and particular person circumstances. At all times check with the coverage paperwork for correct particulars.
Examples of Coated and Non-Coated Situations
- Coated: Your car is broken in a car parking zone collision, and collision protection compensates for repairs.
- Coated: Your automotive is stolen, and complete protection reimburses the market worth of the car.
- Non-Coated: Harm to your car attributable to put on and tear over time is mostly not lined by complete or collision protection.
- Non-Coated: Harm brought on by deliberately setting hearth to your car is usually not lined by complete protection.
Buyer Service and Claims Course of
Frankenmuth Credit score Union’s automotive insurance coverage prioritizes seamless customer support and a streamlined claims course of. Understanding the obtainable channels and the steps concerned can considerably expedite the claims decision course of and guarantee a optimistic expertise. This part particulars the assorted avenues for contacting Frankenmuth Credit score Union, together with a complete overview of their claims process.
Buyer Service Channels
Frankenmuth Credit score Union affords a number of methods to attach with their automotive insurance coverage division, guaranteeing accessibility for all clients. These channels embrace telephone help, on-line portals, and doubtlessly in-person help, if obtainable. Selecting the suitable channel relies on the character of the inquiry or declare.
- Telephone Assist: Direct telephone help supplies speedy help for pressing issues or advanced inquiries. Buyer representatives are skilled to information policyholders by way of the claims course of, reply questions, and handle any issues promptly.
- On-line Portal: A devoted on-line portal facilitates handy entry to coverage info, declare standing updates, and on-line declare submitting choices. That is significantly useful for routine inquiries or monitoring the progress of a declare.
- E mail Assist: E mail communication permits clients to submit inquiries or requests asynchronously, making it helpful for non-urgent issues. A devoted electronic mail handle for insurance-related inquiries ensures correct dealing with of communications.
Claims Course of Overview
Frankenmuth Credit score Union’s claims course of is designed to be environment friendly and truthful. The steps concerned are typically simple and clear, serving to clients perceive the process from begin to end.
- Reporting the Declare: Instantly report any accident or harm to your car to Frankenmuth Credit score Union, whether or not by way of telephone, on-line portal, or electronic mail. Present needed particulars such because the date, time, location, and outline of the incident. A immediate report is essential for a swift declare decision.
- Gathering Documentation: Collect all related documentation, together with police experiences (if relevant), witness statements, restore estimates, and medical data (if accidents had been sustained). This complete documentation helps expedite the claims course of.
- Submitting the Declare: Submit the declare by way of the popular channel (telephone, on-line portal, or electronic mail), guaranteeing all required documentation is included. The net portal usually supplies a streamlined kind for submitting claims electronically.
- Declare Analysis and Approval: Frankenmuth Credit score Union evaluates the declare, verifying the main points and confirming protection. They might request extra info or documentation to evaluate the validity of the declare. The timeframe for declare approval varies relying on the complexity and the provision of all required paperwork.
- Settlement and Restore: Upon approval, Frankenmuth Credit score Union will work with you to rearrange for repairs. They might use authorized restore retailers, or facilitate a restore store choice course of to make sure the work is carried out accurately and cost-effectively.
Submitting a Declare On-line
Submitting a declare on-line usually includes accessing the Frankenmuth Credit score Union web site and navigating to the devoted claims part. This part usually supplies a web based declare kind that requires the enter of related info, together with particulars concerning the incident, coverage info, and required documentation. Examples embrace importing pictures of the harm or offering copies of restore estimates.
Submitting a Declare by way of Telephone Assist
Contacting Frankenmuth Credit score Union’s telephone help for claims includes dialing the devoted insurance coverage line. A customer support consultant will information you thru the method, asking for the required info and recording the main points of the declare. This strategy ensures speedy help and detailed dealing with of the declare, particularly for those who require clarification or help with particular documentation.
Contact Data and Hours of Operation
Assist Channel | Telephone Quantity | Web site/On-line Portal | Hours of Operation |
---|---|---|---|
Telephone Assist | (XXX) XXX-XXXX | [Frankenmuth Credit Union Website] | Monday-Friday, 9:00 AM – 5:00 PM EST |
On-line Portal | N/A | [Frankenmuth Credit Union Website] | 24/7 |
E mail Assist | N/A | [Frankenmuth Credit Union Website]
|
N/A (examine web site for electronic mail hours) |
Charges and Premiums
Frankenmuth Credit score Union automotive insurance coverage charges are designed to be aggressive and accessible, reflecting the credit score union’s dedication to its members. Elements influencing premiums are clear and sometimes align with trade requirements. Understanding these components is essential for potential policyholders to make knowledgeable selections.
Normal Overview of Frankenmuth Credit score Union Automobile Insurance coverage Charges
Frankenmuth Credit score Union, like different credit score union-based insurance coverage suppliers, usually affords charges which are aggressive with nationwide averages however might range based mostly on particular person circumstances. Members usually profit from decrease charges in comparison with conventional insurance coverage firms attributable to their affiliation with the credit score union. The charges should not fastened and might change based mostly on market circumstances and particular person driver profiles.
Elements Influencing Automobile Insurance coverage Premiums
A number of components contribute to the ultimate premium quantity for automotive insurance coverage. These components are fastidiously evaluated to evaluate danger and decide applicable protection ranges.
- Driving historical past: A clear driving file usually results in decrease premiums. Accidents, violations, and claims enhance the chance evaluation and consequently, the premium. For instance, a driver with a number of rushing tickets will seemingly face greater premiums in comparison with a driver with no violations.
- Automobile kind: The kind of car, together with its make, mannequin, and yr, considerably impacts the premium. Larger-value automobiles or these liable to theft or harm usually have greater premiums. Sports activities automobiles, for instance, normally have greater premiums than compact automobiles.
- Location: Geographic location performs a job in figuring out insurance coverage charges. Areas with greater charges of accidents or theft usually have greater premiums. City areas with dense site visitors, for instance, are likely to have greater charges than rural areas.
- Protection choices: The precise protection choices chosen, together with legal responsibility, collision, complete, and uninsured/underinsured motorist protection, have an effect on the premium. The next stage of protection will usually lead to the next premium.
- Age and gender: A driver’s age and gender are components in danger evaluation. Youthful drivers, significantly males, usually face greater premiums attributable to their perceived greater danger of accidents.
Comparability with Different Suppliers within the Area
Direct price comparisons between Frankenmuth Credit score Union and different suppliers within the area are troublesome to current definitively with out particular knowledge. Native market circumstances, competitors, and particular person profiles have an effect on charges. Whereas Frankenmuth Credit score Union goals for aggressive charges, charges can range significantly from insurer to insurer, relying on the specifics of every particular person coverage.
Comparative Price Desk (Illustrative Instance)
This desk presents a hypothetical comparability, highlighting the potential impression of various components on premiums. Precise charges will range considerably.
Issue | Frankenmuth Credit score Union (Instance) | Competitor A (Instance) | Competitor B (Instance) |
---|---|---|---|
Driving Historical past (Clear) | $100 | $120 | $115 |
Driving Historical past (Minor Violation) | $125 | $150 | $140 |
Automobile Sort (Economic system Sedan) | $100 | $110 | $105 |
Automobile Sort (Luxurious SUV) | $150 | $180 | $165 |
Location (Rural) | $90 | $100 | $95 |
Location (City) | $110 | $125 | $120 |
Reductions and Monetary Help

Frankenmuth Credit score Union automotive insurance coverage acknowledges the monetary realities of its members. To make automotive insurance coverage extra accessible and reasonably priced, they provide a spread of reductions and, in some instances, monetary help packages. These packages are designed to reward accountable driving habits and help members dealing with particular monetary challenges.Frankenmuth Credit score Union goals to supply aggressive charges and help members in managing their bills.
This part particulars the reductions and monetary help choices obtainable.
Obtainable Reductions
Frankenmuth Credit score Union affords a wide range of reductions to incentivize accountable driving and monetary prudence. These reductions are designed to decrease the price of automotive insurance coverage and make it extra manageable for members.
- Secure Driver Reductions: Frankenmuth Credit score Union might supply reductions to members who keep a secure driving file. This might contain a sure variety of accident-free years or a low variety of site visitors violations. These reductions acknowledge accountable driving habits, resulting in decrease premiums for safer drivers.
- Scholar Reductions: Frankenmuth Credit score Union might supply discounted charges for college kids who’re actively enrolled in an academic establishment. These reductions acknowledge the monetary pressures confronted by college students and intention to offer a extra reasonably priced insurance coverage choice.
- Army Reductions: Lively army members and veterans might qualify for discounted charges. These reductions acknowledge the distinctive sacrifices and obligations undertaken by these serving within the army.
- Multi-Automobile Reductions: Members insuring a number of automobiles with Frankenmuth Credit score Union might obtain a reduction. This displays the economies of scale concerned in insuring a number of automobiles for one household.
- Bundled Insurance coverage Reductions: Bundling insurance coverage merchandise (similar to automotive insurance coverage, residence insurance coverage, or life insurance coverage) with Frankenmuth Credit score Union might lead to reductions. It is a technique to encourage broader monetary relationships with the credit score union.
Monetary Help Packages
Some monetary help packages could also be obtainable to assist members handle the price of automotive insurance coverage. These packages might range based mostly on particular person circumstances and eligibility.
- Cost Plans: Frankenmuth Credit score Union might supply versatile cost plans for automotive insurance coverage premiums. These plans permit members to unfold out their funds, making automotive insurance coverage extra reasonably priced and manageable.
- Finances Counseling: Some credit score unions might present funds counseling providers to assist members handle their funds. This will likely contain steerage on budgeting, saving, and managing debt.
Low cost Eligibility Standards
The eligibility standards for every low cost can range, so it is important to contact Frankenmuth Credit score Union straight for probably the most up-to-date info. The factors might rely upon components similar to driving file, enrollment standing, or different related components.
Low cost | Eligibility Standards |
---|---|
Secure Driver | Clear driving file, no accidents or violations inside a particular timeframe. |
Scholar | Lively enrollment in a highschool, school, or college. |
Army | Lively obligation army member or veteran standing. |
Multi-Automobile | Insuring a number of automobiles with Frankenmuth Credit score Union. |
Bundled Insurance coverage | Insuring a number of merchandise (e.g., automotive, residence, life) with Frankenmuth Credit score Union. |
Coverage Paperwork and Assets
Staying knowledgeable about your Frankenmuth Credit score Union automotive insurance coverage coverage is essential to understanding your protection and obligations. This part particulars methods to entry very important coverage info, FAQs, and different sources. Having these paperwork available might help you make knowledgeable selections relating to your car safety.Accessing your coverage paperwork and vital info on-line is a handy and environment friendly solution to keep up to date.
This lets you overview your protection particulars, perceive your rights and obligations, and have fast entry to often requested questions.
Accessing Coverage Paperwork On-line
Frankenmuth Credit score Union supplies a safe on-line portal for members to entry their coverage paperwork. This portal affords a streamlined course of for reviewing and downloading important info. The safe portal ensures the confidentiality of your private and monetary info.
Accessing FAQs, Brochures, and Different Supplies
A wealth of data is out there by way of the net portal, together with FAQs, brochures, and different related supplies. These sources present clear explanations of assorted points of your coverage, similar to protection particulars, claims procedures, and reductions. This available info permits you to handle your questions rapidly and simply.
Acquiring a Copy of Your Coverage, Frankenmuth credit score union automotive insurance coverage
Acquiring a duplicate of your coverage is easy. Contact customer support, both by telephone or on-line, to request a duplicate of your coverage paperwork. They will information you thru the method and make sure you obtain the required paperwork promptly.
Desk of Necessary Coverage Paperwork and On-line Assets
Useful resource | Description | Hyperlink (Instance) |
---|---|---|
Coverage Abstract | A concise overview of your protection, together with key phrases and circumstances. | frankenmuthcu.com/policy-summary |
Protection Particulars | Complete info on the specifics of your protection, similar to legal responsibility, collision, and complete. | frankenmuthcu.com/coverage-details |
Claims Procedures | Step-by-step directions on methods to file a declare, together with needed documentation and timelines. | frankenmuthcu.com/claims-procedures |
Reductions | Details about obtainable reductions, similar to multi-vehicle reductions, and methods to qualify. | frankenmuthcu.com/reductions |
FAQ | Regularly requested questions on automotive insurance coverage, with solutions to frequent queries. | frankenmuthcu.com/faq |
Evaluating Frankenmuth Credit score Union with Different Insurers
Frankenmuth Credit score Union automotive insurance coverage stands out out there with its distinctive strategy, specializing in neighborhood ties and monetary partnerships. Nevertheless, understanding the way it stacks up towards main rivals is essential for knowledgeable decision-making. This comparability will analyze options, advantages, and pricing to focus on potential benefits and downsides of selecting Frankenmuth.A radical comparability with different insurers supplies a clearer perspective on Frankenmuth’s place out there.
Analyzing pricing, protection choices, and customer support protocols is important to grasp the strengths and weaknesses of every supplier. This enables potential clients to make a well-informed alternative based mostly on their particular wants and priorities.
Pricing and Premiums Comparability
Frankenmuth Credit score Union’s pricing technique usually displays its deal with members and neighborhood partnerships. Whereas particular charges should not publicly obtainable, components like driving historical past, car kind, and placement will impression premiums. Evaluating Frankenmuth to different main suppliers like Geico, State Farm, or Allstate necessitates taking a look at components like coverage options and reductions. These suppliers usually supply numerous reductions, together with multi-policy reductions, good pupil reductions, and defensive driving reductions.
Direct comparisons of charges require personalised quotes from every supplier, contemplating particular person circumstances.
Protection Choices and Options
Frankenmuth Credit score Union, like different insurers, affords a spread of protection choices. Complete protection, collision protection, and legal responsibility protection are typical parts. The precise inclusions and exclusions inside every protection kind must be reviewed fastidiously. Comparability with rivals like State Farm, Allstate, and Progressive reveals related protection choices. Nevertheless, nuances in deductibles, coverage limits, and non-compulsory add-ons may differ considerably.
An in depth overview of coverage paperwork is critical for correct comparability.
Buyer Service and Claims Course of
Frankenmuth’s customer support strategy, usually rooted in neighborhood engagement, could also be a definite benefit. Nevertheless, evaluating this strategy to main rivals similar to Progressive or Nationwide is vital. Whereas the claims course of is a important factor, particular particulars should not publicly obtainable and rely upon particular person experiences. Clients ought to fastidiously overview claims dealing with procedures and responsiveness within the insurance policies and sources offered by every insurer.
Reductions and Monetary Help
Frankenmuth Credit score Union might supply reductions tailor-made to its members, doubtlessly together with multi-policy reductions. Opponents like Geico, State Farm, and Allstate additionally present related reductions, usually associated to driving data, car kind, or secure driving habits. Frankenmuth’s monetary help packages, if any, must be in contrast with the help packages supplied by different suppliers. Monetary help choices, together with cost plans or reductions for low-income people, could also be current however require additional investigation.
Desk: Comparability of Frankenmuth Credit score Union with Opponents
Characteristic | Frankenmuth Credit score Union | Geico | State Farm |
---|---|---|---|
Pricing | Member-focused, doubtlessly aggressive | Typically aggressive, identified for decrease premiums | Typically aggressive, identified for robust customer support |
Protection Choices | Normal protection choices obtainable | Complete protection choices | Complete protection choices |
Buyer Service | Group-oriented, presumably personalised | Typically accessible, varies by location | Robust status for customer support |
Reductions | Doubtlessly tailor-made member reductions | Number of reductions, together with multi-policy reductions | Number of reductions, together with good pupil reductions |
Illustrative Situations

Frankenmuth Credit score Union automotive insurance coverage affords a complete suite of protection choices designed to guard policyholders in numerous driving conditions. Understanding how the coverage addresses totally different accident eventualities, car harm, and the collision course of is essential for knowledgeable decision-making. These illustrative eventualities spotlight the advantages and protection particulars of the coverage.
Situations of Profit
Frankenmuth Credit score Union automotive insurance coverage may be significantly useful in conditions involving accidents, theft, or harm to your car. The coverage supplies a security internet, serving to you navigate monetary obligations and restore your car. Examples embrace conditions like a fender bender with one other driver, a collision inflicting vital harm, or perhaps a state of affairs the place your car is stolen.
Realizing how the coverage responds to those eventualities is important for peace of thoughts.
Collision Accident Protection Particulars
A collision accident is a state of affairs the place your car collides with one other car, an object, or an animal. Frankenmuth Credit score Union automotive insurance coverage’s collision protection kicks in when your car is broken in a collision, no matter who’s at fault. This protection helps restore or substitute your car, assuaging the monetary burden of repairs. For example, in case your car is totaled in a collision with a parked truck, the coverage will cowl the alternative value.
This protection is essential for safeguarding your monetary funding.
Harm to Insured Automobile
Frankenmuth Credit score Union automotive insurance coverage affords protection for harm to the insured car in a wide range of circumstances. This contains harm brought on by collisions, vandalism, hearth, hail, or different unexpected occasions. The coverage usually covers the restore or alternative of the car, based mostly on the phrases and circumstances Artikeld within the coverage paperwork. Complete protection usually addresses incidents like a tree falling in your automotive throughout a storm, safeguarding your monetary funding.
The quantity lined relies on the precise particulars of the harm and the coverage limits.
Coverage Dealing with of a Collision Accident
In a collision accident, the method for dealing with claims below Frankenmuth Credit score Union automotive insurance coverage is essential. Firstly, the coverage requires speedy reporting of the incident to the insurance coverage firm and the related authorities. Following the accident, it’s worthwhile to collect all needed info, together with the police report and witness statements. The insurance coverage firm will then assess the harm to your car and decide the suitable quantity of compensation.
The insurance coverage firm will deal with the claims course of, guaranteeing truthful and immediate settlement.
“Correct documentation and immediate reporting are important for a clean declare decision.”
The coverage paperwork include detailed directions on methods to proceed in such conditions.
Closure: Frankenmuth Credit score Union Automobile Insurance coverage
Frankenmuth Credit score Union automotive insurance coverage supplies a spread of choices, from fundamental legal responsibility protection to complete safety. Understanding the totally different protection varieties, charges, and reductions is essential to discovering one of the best match on your driving wants and funds. This information supplies an in depth overview that will help you make knowledgeable selections. We encourage you to discover the coverage paperwork and sources to realize a extra in-depth understanding of Frankenmuth Credit score Union’s choices.
Detailed FAQs
What kinds of reductions can be found for Frankenmuth Credit score Union automotive insurance coverage?
Frankenmuth Credit score Union affords reductions for secure drivers, college students, and army members. Particular reductions and eligibility standards are Artikeld within the coverage paperwork.
How do I file a declare with Frankenmuth Credit score Union?
Claims may be filed on-line or by telephone. Detailed directions and phone info are offered within the coverage paperwork.
What are the everyday charges for Frankenmuth Credit score Union automotive insurance coverage in comparison with different suppliers in my space?
A comparability desk is included within the information, detailing charges based mostly on components similar to driving historical past, car kind, and placement.
What are the various kinds of protection supplied in Frankenmuth Credit score Union automotive insurance coverage?
Frankenmuth Credit score Union affords legal responsibility, collision, and complete protection, amongst others. Every protection kind is detailed within the information with particular descriptions of what is included and excluded.