Auto Insurance
Most states require you to carry some kind of auto insurance (or post a bond) when you operate a motor vehicle. You're also required to provide proof of insurance before you can license your vehicle or renew your driver's license. Although coverage is mandatory, the amount and kinds of coverage can vary.
Often, the required minimum coverage may not be enough to adequately compensate your assets or your earnings. Here is a list of auto insurance topics you'll want to know about:
Fault or No-Fault -- This depends on the law in your state.
Collision -- Pays damages to your own vehicle. Generally, there is a deductible.
Comprehensive -- Pays for losses from fire, theft, storm, etc. Generally, there is a deductible.
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 -- Pays for coverage to you if other driver is not insured or is underinsured.
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance cover the cost of parts and labor to repair or replace major component parts, as well as wear-and-tear failures of covered parts. If you require a rental vehicle while your car is being repaired, you may be reimbursed $25.00 a day for maximum of six days. You may also be reimbursed for food and lodging up to $100.00 per day for three days per repair visit, if your vehicle breaks down more than 100 miles from home.
Farmers Towing
and Road Services
Whether away from home or in your own driveway, your Farmers Towing and Road
Services provides you with 24-hour service, 365 days a year across the United
States and Canada. Our dispatch service will send qualified help from a network
of more than 16,000 towing and road seervice facilities and 10,000 professional
locksmiths.
Loss of Use (optional)
Includes car Rental and Travel Expense
Pays up $50 a day, up
to$1,000, while your car is being repaired for collision damage or comprehensive
loss in excess of your deductible, depending on the plan you select.
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