Farmers Auto Coverages

auto insuranceMost people have some form of insurance, However, many do not have a clear understanding of their coverage or policy options. Below you will find a general description of some auto coverages.

BODILY INJURY AND PROPERTY DAMAGE: Pays for bodily injuries to other people or damage to their property if you are liable. This includes costs to defend claims and/or lawsuits. Any damages above your insurance limits come out of your pocket, so understanding what your limits should be on this coverage is vital to the protection of your assets.

UNINSURED/UNDERINSURED MOTORIST: Covers bodily injuries to you, qualified family members and any other person occupying your covered auto, caused by an uninsured or hit-and-run driver. Coverage applies if a motorist does not have adequate coverage to pay for your injuries as a result of an accident. Property damage to your vehicle is not a part of this coverage. If you have collision coverage it would cover damage to your vehicle less your deductible. If you do not have collision coverage Uninsured Motorist Property Damage is available for additional fees.

MEDICAL EXPENSES: Covers necessary medical treatment arising from an auto accident, regardless of fault, for you and your passengers.

COLLISION: Covers accidental damage to your car by collision with any object or upset of the vehicle. It pays up to the actual cash value of the vehicle, less the deductible you select. Ask us about some ways to save money with your deductible choices!

COMPREHENSIVE: Pays for damage to your car caused by events other than collision, less the deductible you select. Other than collision damages include but are not limited to Fire, Vandalism, Windstorm, Sandstorm, Falling Objects, animals, water or flood and theft.

GLASS DEDUCTIBLE BUYBACK: Pays for repairs to your auto glass. If replacement is necessary you pay a $100 deductible and the insurance company pays the rest.

TOWING AND ROADSIDE SERVICE: Roadside assistance benefits include emergency towing, fuel delivery, flat tire change, lockout entry assistance, roadside winching and more.

OTHER COVERAGES: Several other coverages are available such as accident forgiveness, loss of use and new car gap coverage! Ask us about these additional coverages.

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