Churchgoers making a claim with GuideOne Insurance might have afew extra blessings to count. As part of their FaithGuard auto orhomeowners' policies, they can make a claim without the burden ofpaying a deductible.

The policy, which has attracted 46,000 insureds, states that theauto deductible will be waived if the vehicle in question isinvolved in an accident while driving directly to or from a churchservice or other religious activity. Other benefits of the policyinclude continuation of church donations, doubled medical paymentsfor non-family passengers, limited payment of any existing carloans, and a memorial gift to the policyholder's church should anaccident result in death.

Homeowners obtain similar benefits and waived deductibles ifthere is a loss of personal property while it is in the possessionof a church. Donations to the church are continued if there is aloss of income from a disability caused by any accident at yourresidence. Medical payments for an injury also are doubled if ahosted activity is held on behalf of a church results in an injuryfor an attendee. Limited mortgage payments also are made.