Car insurance coverage
Farmers lets you pick and choose the coverage that’s right for you. But if you’re confused about different auto coverage options or how much coverage you might want, we can help there, too. Here are the most common coverages.
Comprehensive Coverage
Comprehensive coverage helps pay for losses or damage to your car caused by incidents like theft, vandalism, hail, wind, fire and more.
Example: A sudden hailstorm cracks your car’s windshield and dents your roof and hood. Comprehensive coverage can help when your car is damaged by something other than a collision.
Collision Coverage
When you’re in a crash with other vehicles or objects, collision coverage can help pay to repair or replace your vehicle.
Example: You lose traction on an icy road and your car slides into a guardrail. Collision coverage can help repair damage to your car — or compensate you for its value if it’s a total loss.
Liability Coverage
Required by law in most states, liability provides coverage for the cost of injury to others and damage to their car or property when you’re at fault in an accident.
Example: You cause a minor collision in rush-hour traffic. Another car is damaged, and the driver complains of neck pain. Liability coverage can help to compensate the driver for injuries and pay for repairs to the driver’s car.
Uninsured and Under-insured Motorist Coverages
Uninsured motorist bodily injury (UMBI) helps pay costs if you or your passengers are injured by the driver of an uninsured vehicle. Uninsured motorist property damage (UMPD) helps pay to repair your car if it is damaged by an uninsured vehicle. Underinsured motorist coverages can help pay costs associated with injuries and property damage when the at-fault driver has insurance but doesn’t have enough insurance to cover the damages.
Example: You suffer minor injuries when another driver runs a red light and clips your car’s rear fender. The other driver is at fault and doesn’t have insurance. UMBI coverage can help pay costs associated with injuries (up to your policy limit) when caused by an at-fault driver who does not have insurance. UMPD can help pay to repair your car.
Roadside assistance
If your car is disabled, roadside assistance coverage can provide 24/7 service and cover costs for things like towing, a tire change, locksmith service and jump starts.
Example: You’re on a family road trip to the beach when your car’s battery dies. With roadside assistance, a service operator can meet you at your location to charge your battery, or it can help pay for the service to replace a battery.
More coverage options
You can also add medical payments, rental car, rideshare, windshield repair/replacement and other specialty coverages.