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What do I need to know about Auto Insurance?
Injury and Property Damage
coverage pays for bodily injuries to other
people or damage to their property, if
you are liable. It pays whether your car
is driven by you, a qualified family member,
or another driver using your car with
your permission. In some cases, you're
even covered in a car you borrow or rent
temporarily. You select the monetary limits
of your own policy.
injuries to you, qualified family members,
and any other person occupying your covered
vehicle, caused by an uninsured motorist
or a hit-and-run driver, will be paid
with this coverage. Uninsured property
damage coverage is also available. You
have the option to carry Uninsured Motorist
coverage up to the same limits carried
for Bodily Injury.
comprehensive coverage, damage to your
car will be paid except when it is caused
by collision or upset. Coverage includes
damage from such causes as fire, vandalism,
windstorm, falling objects, animals, water
covers all accidental damage to your car
by collision with any object or by upset.
Coverage includes up to $200 for damage
to your clothing or luggage while in the
car. It pays up to the actual cash value
of your vehicle, less the deductible you
Reimbursement coverage is designed to
reimburse you for the actual expenses
incurred for the daily rental rate. You can choose between $25 or $50 per day for rental car reimbursement. Your car must not be available for normal
use for more than 24 hours. This coverage
cannot be purchased if Loss of Use coverage
has already been selected.
This coverage can be used for a covered loss, such as collision or theft of your vehicle.
and Road Service
just one toll-free call, Farmers service
representatives across the United States
and Canada will help get you back on the
road quickly and safely. You can just
sign for reasonable and necessary services
up to $150 - no need for cash, check or
does “full coverage” mean?
term full coverage generally means that
the insurance policy has both liability
coverage and coverage for damage to your
vehicle. The term full coverage does not
mean that everything is covered no matter
Your auto insurance policy declaration page lists the
coverage’s you have selected. Please review your coverage's and insurance policy carefully to make sure that you know what you have.
Did you know that your car insurance doesn't provide coverage for items stolen from your car?
So if you tend to store sports equipment and CDs in your car, it is really important to get homeowners or renters insurance. This will provide coverage for your personal items left in your vehicle in the event of a loss.