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Accidents happen, and if you are judged to be at fault in a car accident, your auto liability policy will cover you up to the extent of your policy.
Insurance for Accidents
Farmers’ collision coverage, as the name implies, is designed to protect you in the event of an accident. This includes scenarios in which you may collide with another vehicle or something stationary and when another vehicle collides with your parked vehicle.
Comprehensive insurance will help you pay for damage to your car caused by uncontrollable events such as floods, fires, storms, vandalism, and theft. It will continue where collision insurance ends.
Uninsured and underinsured motorist protection
Unprotected motorist coverage and underinsured coverage are designed to protect you if you are in an accident with a negligent driver who does not have enough liability coverage.
Medical Payments Protection
Medical payments insurance is a common insurance add-on that helps pay for medical or burial expenses related to an occurrence that results in a claim.
Personal Injury Protection (PIP)
PIP can reimburse consumers who must pay for medical treatment or lost wages due to a claimable accident up to the policy amount. Farmers’ PIP coverage is not accessible in all 50 states, so check to see whether your hometown is one of the states that can acquire it.
Optional coverage options
Farmers offer a wide range of coverage options from which to pick. Here are some policy add-ons that you can select to tailor your coverage to your specific needs:
Accident Forgiveness Insurance
If you purchase this additional add-on, you will not have to pay any more premiums for your coverage if you have an incident every three years because the insurance provider will cover the costs.
Protection for your equipment
Farmers’ Customized Equipment Insurance coverage protects you up to the policy maximum for any aftermarket improvements to your automobile that are not covered by regular auto insurance alternatives, such as sound systems or custom wheels. Farmers will not allow you to purchase a customized equipment plan unless you have both a collision and a complete policy with them.
Windshield and Glass Replacement
Farmers have a policy add-on for comprehensive windshield and glass coverage, eliminating the deductible and compensating for the out-of-pocket costs of insured glass repairs and replacements. This windshield insurance is an excellent add-on if you want Farmers to replace your windshield.
Coverage for Glass Buyback with a Deductible
The Glass Deductible Buyback Plan from Farmers is a scaled-down version of the Full Window and Glass Coverage. If you need to file a claim, your deductible for windscreen and glass repairs will be reduced to $100.
Guaranteed Value Coverage
Farmers’ Guaranteed Price plan will pay a predetermined amount if your vehicle is a total loss. This could be an excellent policy for you if you own a valuable car, such as a rare or vintage model.
Insurance Against Loss of Use
Farmers’ Loss of Use insurance add-on will cover transportation expenditures such as taxis, rideshares, auto rentals, or public transit. At the same time, your vehicle is being repaired during a claim up to the policy level. This type of coverage is commonly referred to as rental reimbursement insurance.
Insurance for New Car Replacement
New cars quickly lose their value. Suppose your new automobile is destroyed in a covered accident within the first two model years and 24,000 miles. In that case, Farmers’ new car replacement coverage will be exchanged with a brand-new vehicle of a similar creature and model.
Original equipment manufacturer warranty
This policy supplement is intended to cover the costs of using original factory parts while your vehicle is being repaired during a claim. If you drive a modern automobile and want to ensure that repairs are done properly if you need to file a claim, this coverage plan is an excellent option. Farmers will not provide OEM coverage if your vehicle is over ten years old.
Personal Umbrella Protection
Farmers’ Individual Umbrella Coverage supplements an existing liability insurance policy. It contributes to your legal expenses and protects your assets against lawsuits if you are found to have been negligent in an accident.
Spare Parts Insurance
Farmers’ Spare Components Coverage will reimburse you up to $750 for any replacement parts damaged or lost in a covered occurrence, provided you maintain a selection of spare parts on hand: this coverage is popular among owners of rare, classic, and antique automobiles.
Roadside Assistance and Towing coverage
If you become trapped on the side of the road, this coverage will help cover the cost of technical assistance services, including towing, replacing a flat tire, unlocking your car, and providing a jump start. Farmers’ Roadside Assistance is only accessible to policyholders, so if you wish to use this service, you must first purchase a policy.
Collector Automobile Insurance
Farmers offer a choice of coverage options that are tailored to your particular needs to help safeguard your important investment if you own a vintage or collector car.
In addition to the rules discussed above, spare parts, bespoke equipment guaranteed worth, and original equipment, you can speak with a local representative about adding additional clauses that will assist you with traveling overseas and keeping your car unattended.
Farmers recommend that consumers who own vintage or antique cars speak with a local agent who can assist them in creating a collector insurance plan that meets their needs.
Coverage for Ridesharing Services
Farmers’ new ridesharing policy provides drivers with additional coverage for firms such as Uber and Lyft, which only provide limited coverage, putting drivers vulnerable at times while on the job.