Choose the Auto Insurance policy That Suits Your Need
Auto Insurance
What’s in your garage? You might be practical when you choose cars — a versatile hatchback or minivan is just the thing. Perhaps you prefer the rugged image of an SUV, or like to reward yourself with a convertible or luxury sedan. Maybe you’re a car collector and also have a classic muscle car or vintage sports car for weekend cruising.
Whatever you drive, you know you need insurance for your car and assets. And Farmers has coverage options that enable you to get the auto insurance policy you want.
Here are some of the risks drivers may face:
- You cause an accident
Risk:
You cause a minor collision when glare from the setting sun blinds you in rush hour traffic. Damage is relatively minimal, but the other driver says her neck is in pain.
Coverage:
Liability insurance coverage pays for bodily injury and property damage to another that results from covered losses you cause.
- You accidentally damage your own car
Risk:
You’re on your way to a ski weekend when you lose traction on an icy road — the impact when you slide into a guardrail damages your SUV’s front fender.
Coverage:
Collision coverage can help repair your vehicle if it’s damaged — or compensate you for its value if it’s a total loss.
- A hailstorm dents your car
Risk:
A sudden hailstorm cracks your car’s windshield and leaves dozens of dents on the hood, roof and trunk of your vehicle.
Coverage:
Comprehensive coverage can help when your car is damaged by something other than a collision.
- An uninsured driver hits you
Risk:
You suffer minor injuries when another driver runs a red light and clips your car’s rear fender. On top of it all, the driver doesn’t have auto insurance.
Coverage:
Uninsured motorist coverage covers the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance. Underinsured motorist coverage picks up the costs of your injuries when an at-fault driver has some insurance, but not enough to cover all of your damages.