Auto Insurance
My commitment to you as your Farmers Auto Insurance Agent:
Coverage choices
Most people have some form of insurance. However, many don’t have a clear understanding of coverage or policy options: Vital versus Convenience coverages.
Vital Coverages
Bodily Injury and Property Damage
Uninsured/Underinsured Motorist
Comprehensive
Collision
Auto Glass Replacement Program
Towing and Road Service
Loss of Use (K-coverage)
Convenience Coverages
Medical expenses
- I will deliver industry-leading service at every stage of the insurance process.
- I will help you understand your options and provide you with information to help you make the best decisions for your family.
- I will always welcome you contacting me to discuss questions or concerns regarding your financial and insurance needs.
Coverage choices
Most people have some form of insurance. However, many don’t have a clear understanding of coverage or policy options: Vital versus Convenience coverages.
Vital Coverages
Bodily Injury and Property Damage
- Pays for bodily injuries to other people or damage to their property, if you are liable, up to your selected policy limits.
- Coverage is provided whether your car is driven by you, a family member or another driver using your car with your permission.
- In most cases, you’ re covered in a car you temporarily borrow or rent.
- You select the monetary limits of your own policy.
- Includes costs to defend claims and/or lawsuits.
Uninsured/Underinsured Motorist
- Uninsured Motorist covers bodily injuries to you, family members and any other person occupying your covered auto, caused by an uninsured motorist or a hit-and-run driver.
- Underinsured Motorist coverage applies if the other driver does not have adequate coverage to pay for your injuries as a result of an accident.
Comprehensive
- Pays for damage to your car caused by events other than collision, less the deductible you select .
- Includes damage from causes such as fire, vandalism, windstorm, sandstorm, falling objects, animals, water or flood and theft.
Collision
- Covers accidental damage to your car by collision with any object or upset of the vehicle.
- Pays up to actual cash value of your vehicle, less the deductible you select.
Auto Glass Replacement Program
- Takes the headache out of repairing or replacing damaged or broken auto glass.
- Simply notify your agent when damage occurs.
- A Farmers representative will contact you within 30 minutes to schedule an appointment.
- In most cases, repairs can be made within 24 hours.
Towing and Road Service
- Just one phone call.
- Farmers service representatives across the United States and Canada will help you get back on the road quickly and safely.
- Just sign for reasonable and necessary services up to $150 – no need for cash, check or credit card. Charges in excess of $150 must be submitted to your agent for consideration.
Loss of Use (K-coverage)
- Receive up to $50 a day, up to a total of $1000, while your car is being repaired for collision damage or comprehensive loss in excess of your deductible.
- Several coverage plans are available to meet your lifestyle needs.
Convenience Coverages
- You select the monetary limits up to the same limits carried for bodily injury coverage.
- Uninsured Motorist Property Damage endorsement is available in certain states for property damage caused by an uninsured motorist or a hit-and-run driver.
Medical expenses
- Covers necessary medical treatment arising from an auto accident, regardless of fault. for you and your qualified family members or passengers.
- In some states. lost income and essential household services may be covered.
- Provides peace of mind that passengers in your vehicle will have medical coverage even if they don’t have their own medical insurance.
- You select the amount of coverage provided by the policy. Coverage types and amounts vary by stale.