Farmers Auto Insurance: What's Covered And What's Not?

Farmers Insurance offers a range of auto insurance products to cater to different needs and budgets. The company provides various coverage options, including liability, collision, comprehensive, uninsured and under-insured motorist, medical payments, personal injury protection, and more. Additionally, Farmers offers discounts for specific occupational groups, homeowners, good students, and teens with safe driving records, among others. The company also provides multi-policy discounts for bundling home and auto insurance, as well as savings for insuring multiple cars. With a focus on customer service, Farmers Insurance aims to provide personalized attention and support to its policyholders.

Comprehensive coverage

In addition to the examples mentioned, comprehensive coverage also includes protection against civil disturbances, such as riots, and natural occurrences like earthquakes and floods. It's important to note that while glass damage is covered, it must not be caused by a car accident. Comprehensive coverage also extends to rental cars, providing the same level of protection for vehicles rented for personal use.

When purchasing comprehensive coverage, you will typically choose a deductible, which is the amount you'll pay out of pocket before the insurance company covers the remaining costs. Deductibles for comprehensive coverage usually range from $500 to $1,000, but they can go as high as $2,500. A higher deductible results in lower insurance payments. It's worth noting that making a comprehensive claim does not increase your future rates, providing reassurance that your rates won't spike after filing a claim.

Collision coverage

With Farmers auto insurance, you have the flexibility to choose the coverage that best suits your needs. Collision coverage can provide financial protection and peace of mind if you're involved in an accident with your vehicle. It's important to review the specific terms, conditions, and exclusions of your policy to understand the extent of your collision coverage.

Additionally, Farmers offers a range of optional coverages and features that you can add to your policy. These include towing and roadside service, rental car reimbursement, accident forgiveness, rideshare insurance, and more. By customising your policy, you can ensure you have the right level of protection for your vehicle and driving needs.

Remember that the cost of collision coverage may vary depending on factors such as your driving record, the type of vehicle you own, and your state's regulations. It's always a good idea to compare quotes from different insurers and review the coverage details to find the best option for your needs.

Uninsured and underinsured motorist coverage

Uninsured motorist coverage, often called UM, provides bodily injury coverage and property damage coverage. The bodily injury coverage, known as Uninsured Motorist Bodily Injury (UMBI), helps pay medical bills, pain and suffering, lost wages, and funeral expenses if you or your passengers are injured by an uninsured driver. It also covers these costs if you are injured as a pedestrian by an uninsured driver. The property damage coverage, or Uninsured Motorist Property Damage (UMPD), helps pay for repairs to your car or other property if it is damaged by an uninsured driver or in a hit-and-run accident.

Underinsured motorist coverage, often called UIM, fills the gap between what the at-fault driver's insurance will pay and what the accident actually costs you in car repairs and medical expenses, up to your policy's limits. For example, if the other driver only has the state's minimum amount of bodily injury liability insurance and you incur more than that in medical expenses, underinsured motorist coverage would help cover the additional costs.

About 20 states, plus the District of Columbia, require some type of uninsured motorist coverage. Even if it is not required in your state, it can provide valuable protection in the event of an accident with an uninsured or underinsured driver.

Medical payments coverage

It's important to note that medical payments coverage is different from Personal Injury Protection (PIP) coverage. While medical payments coverage focuses solely on the cost of medical care, PIP coverage can also help with other costs like rehabilitation and lost wages.

When considering your auto insurance options, it's essential to review the different types of coverage available and choose the ones that best fit your needs. By selecting the right coverage, you can feel confident that you have the protection you need while also saving money on your premium.

Personal injury protection

Farmers' PIP coverage is designed to help with the financial burden that often comes with injuries after an accident. This can include a range of expenses, such as medical bills, rehabilitation costs, and lost income due to time taken off work during recovery. It is important to note that PIP coverage is designed to complement any existing health insurance you may have and is not intended to replace it.

The specific benefits and extent of coverage provided by Farmers' PIP can vary by state, so it is important to review the details of the policy in your state. Generally, PIP coverage can help with various costs associated with injuries, providing a financial safety net during a difficult time. This can include emergency room visits, hospital stays, surgeries, and other medical procedures required due to accident-related injuries.

In addition to medical expenses, Farmers' PIP coverage can also assist with rehabilitation costs, such as physical therapy or occupational therapy, which may be necessary for a full recovery. Furthermore, if your injuries result in you being unable to work, PIP coverage can provide a level of income replacement, helping to cover lost wages during your recovery period. This aspect of PIP coverage can be especially valuable if you are the primary breadwinner in your family or if you are self-employed and do not have access to employer-provided sick leave or disability benefits.

Farmers' Personal Injury Protection coverage is a valuable option to consider when purchasing auto insurance. By providing financial assistance for medical, rehabilitation, and income-related expenses, PIP coverage can help reduce the stress and worry associated with injuries sustained in an accident, allowing you to focus on your recovery and well-being.

Frequently asked questions