AUTO INSURANCE COVERAGE TYPES

Types of Auto Insurance Coverages
· Collision - Pays damages to your own vehicle.
· Comprehensive - Pays for losses from fire, theft, storm, etc.
· Deductible - The amount of a covered loss you agree to pay.
· Bodily Injury - Pays for injury to others when you are at fault.
· Property Damage - Pays for property damage when you are at fault.
· Medical Payments - Pays for your own or your passenger's medical expenses.
· Personal Injury Protection - This covers a broad assortment of medical expenses.
· Uninsured/Underinsured Motorist - Coverage if other driver is not insured or is underinsured.
Optional and additional value Added Coverages
· Emergency roadside assistance and towing service
· Auto glass replacement
· Mechanical breakdown insurance
· Car rental reimbursement



collision
Collision coverage pays for damage to your vehicle that results from a collision with another vehicle or object. Generally, the coverage reimburses you the amount needed to repair or replace your damaged vehicle, minus the deductible. This coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.

comprehensive
Comprehensive coverage protects your investment in your vehicle by paying for losses resulting from fire, theft, falling objects, riots, storms, earthquakes, floods, collision with a bird or animal and other natural occurrences. Like Collision coverage, Comprehensive coverage generally includes a deductible. Comprehensive coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.

deductible
The deductible is the amount of the loss you agree to pay or absorb in the event of a claim or accident. Let's say you have a $250 deductible. If you have a fender-bender, and the bodywork costs $1150, you will pay the deductible - $250, and your insurance company will pay the balance - $900. With auto insurance, deductible amounts typically range from $50 to $1,000 per claim. Choosing a higher deductible reduces the cost of your insurance.

Bodily Injury
Bodily Injury coverage pays for any person(s) injured or killed in an accident where you are at fault. Coverage includes medical expenses and lost wages. These coverages are subject to the limits and conditions of your policy. Most states require drivers to carry Bodily Injury coverage.

Property Damage
In a collision where you are at fault, Property Damage covers your liability for damaging another person's personal property, such as an automobile, house or fence.

Medical Payments
This coverage pays medical bills and funeral expenses for you or a passenger injured while riding in your vehicle. Coverage extends to you or a family member when riding as a passenger in someone else's vehicle or when struck by a vehicle when on foot. Costs are covered up to the amount specified by the policy.

Personal Injury Protection
Personal Injury Protection (PIP) pays a broader range of medical costs than does Medical Payments coverage. PIP covers lost wages and the replacement of the services of someone injured in an accident. Personal Injury coverage is generally required in states with no-fault and available in some other states.

Uninsured Motorist/Underinsured Motorist
Uninsured Motorist coverage protects you, members of your household and your passengers in an accident with a motorist who has no insurance or is underinsured. Uninsured Motorist protection also covers you if you're injured by a hit-and-run driver. The coverage also applies to you and the members of your household as pedestrians. Coverage includes payment of medical costs, lost wages and pain and suffering. It is required in many states. In some states or insurance policies, Underinsured Motorist protection is separate from Uninsured Motorist coverage.

Emergency Roadside Assistance and Towing Service
When you or your loved ones are stranded and need help, we're as close as the telephone. With our optional Towing and Road Service, you can reach us 24 hours a day, 365 days a year. It only takes one toll-free call. If you choose our Sign and Drive Road Service, you won't need a credit card or check to get the help you need. Please contact your local Farmers agent for more information.

Auto Glass Replacement
Auto Glass Replacement is an optional program that takes the headache out of repairing or replacing damaged or broken auto glass. Your local Farmers agent can provide more information on this and other available coverages.

Mechanical Breakdown Insurance
Farmers Mechanical Breakdown Insurance protects you from costly repair for your new or late model vehicle. Most mechanical systems in your car are covered and the cost is less than most dealership extended warranties. Please contact us for more information.

Car Rental Reimbursement
After a car accident, you may need to rent a car while yours in being repaired. Car rental reimbursement coverage pays a flat sum to assist you with the expenses that you may incur following an auto accident. Farmers has a number of different plans to fit your lifestyle and budget. Please contact your local Farmers agent for more information.