Auto
What coverages do I need?
In case you're involved in an accident, auto
insurance provides financial protection for you and your family.
It pays for the damage and injuries caused by the accident
and for repairing or replacing your vehicle if it is damaged
or stolen.
State Requirements
In most states, you are required to carry
auto liability insurance (or post a bond) and provide proof
of insurance before you can license your vehicle or renew
your driver's license. If you are caught driving without insurance,
you may have to pay a large fine and have your driver's license
suspended.
Most states require drivers to carry minimum
liability coverage. In many cases, the required minimum coverage
may not be enough to pay for all the damages that result from
an accident and the driver will have to pay the additional
expenses out of pocket.
Types of Auto Insurance Coverages
There are many different types of auto insurance
coverages for you to choose from. Your local Farmers Agent
John Williams can work with you to decide what coverage combinations
provide the best protection at a price that fits your budget.
Fault or No-Fault - Depends on state law.
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 - In no-fault states, this covers
a broad assortment of medical expenses.
Uninsured/Underinsured Motorist - Coverage for you if other
driver is not insured or is underinsured.
In addition to basic auto insurance, consider
these optional services to provide added protection for your
vehicle:
- Emergency roadside assistance and towing
service
- Windshield glass repair service
- Car rental reimbursement
Check out our exciting new discounts!
- Brand New Alternative Fuel Discount:
First-ever discount for those who drive hybrids and other
alternative fuel vehicles. Save 5 percent on all major coverages.
·
- Power Deductibles - New
auto insurance comprehensive and collision deductibles give
you better coverage at lower premium rates. ·
- Multiple Lines Discounts
- If you have Auto, Home and Life* insurance with Farmers,
you might save as much as 23% on your Auto insurance and
16% on your Home insurance!
Other available discounts...
- Auto/Homeowners
- Auto/Life
- Two or More Automobile
- Affinity
- Good Student
- Driver Training
- Senior Defensive Driver
- Anti-Lock Brakes
- Passive Restraint
- Anti-Theft
- Alternative Fuel
|
