At our agency, we'll personally review your coverage and help you get the most amount of coverage for the least amount of money!

Are you:

• getting all the discounts you are eligible for?
• getting the personal service you deserve?
• satisfied with your agent?

Auto Policy Definitions

Bodily Injury (BI) and Property Damage (PD)

Covers your liability for injuries you cause to other people and property damage for which you are at fault.

This coverage usually is expressed in a "split number" such as 100/300/100.

The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident.

The second number is the total limit your policy will pay for bodily injury to two or more people per accident.

The third number is the limit that your policy will pay for property damage per accident.

Many people are underinsured today because of the rising costs of vehicles (making it easy to exceed your Property Damage limits) and the high personal injury awards in lawsuits.

Please consult us to make sure you have adequate converge- we'll be happy to help you!

Uninsured & Underinsured Motorist

Covers you when you are injured or your property is damaged by someone who is not insured or has inadequate limits of coverage. This is often an overlooked coverage, and we would be happy to help you understand this better!

Collision

This covers the cost of replacing or repairing your vehicle in the event of an accident in which you were at fault. The premium varies depending upon your deductible limits.

We would be happy to help you decide which deductible is right for you!

Comprehensive

This covers repairing or replacing your vehicle in non-accident situations, such as theft and vandalism.

Hail and other "acts of God" are covered, as defined by your policy. This also has a deductible, so please consult with us about what deductible meets your needs.

Towing and Roadside Assistance

Farmers Towing and Roadside Assistance is a 24 hour a day, 365 days a year service which can be utilized by calling 1-800-HELP POINT. (1-800-435-7764)

• Towing to the nearest repair facility
• Up to one hour of mechanical labor at the place of your breakdown
• Locksmith service if you are locked out
• Assistance in changing a tire
• Gasoline, oil, etc…

SAFETY EQUIPMENT - WAIVER OF COMPREHENSIVE DEDUCTIBLE ON GLASS

Safety Equipment in this case refers to glass used in the windshields, doors and windows including glass, plastic or other materials used in lights of the described vehicle.

COLLISION PLUS / LOSS OF USE, (K1-K5)

Loss of Use Coverage is designed to pay to the named insured a flat sum to assist with expenses incurred following a loss in excess of the deductible arising under Collision and/or Comprehensive coverage’s.

This coverage will pay the named insured either:

• A Daily rate or a part thereof while the automobile covered for Collision insurance by this policy is necessarily in the custody of a garage for repairs, subject to a maximum payment.
• If the automobile is a total loss, the payment will be the maximum limit. A total loss of the automobile occurs when the cost of its replacement, or the estimated cost of repair plus salvage value, exceeds the actual cash value of such automobile.
• Some options will included up to $500 in extra expenses to return the repaired car to its home or destination if the loss occurs more then 50 miles from home.