AUTO COVERAGES
Auto Liability
In Arizona, all registered cars are required to have liability insurance.
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 for more than one person per accident.
The third number is the limit that your policy will pay for property damage per accident.
Bodily Injury and Property Damages
- Pays for bodily injuries to other people or damage to their property, if you are liable.
- Coverage is provided whether your car is driven by you, a qualified family member or another driver using your car with your permission.
- In most cases, you’re covered in a car you borrow or rent temporarily.
- You select the monetary limits of your own policy.
- Includes cost to defend claims and/or lawsuits.
Uninsured/Underinsured Motorist
- Covers bodily injuries to you and qualified family members or any other person occupying your covered auto, caused by an uninsured motorist or a hit-and-run driver.
- You select the monetary limits up to the same limits carried for bodily injury coverage.
- Coverage applies if a motorist does not have adequate coverage to pay for your injuries as a result of an accident.
Medical Expenses - optional
- Covers necessary medical treatment arising from an auto accident, regardless of fault, for you and your qualified family members or passengers.
- Provides peace of mind that passengers in your vehicle will have medical coverage even if they don’t have their own medical insurance.
Comprehensive
- Pays for damages to your car caused by events other than collision, less the deductible you select.
- Includes damage from causes such as fire, vandalism, windstorm, sandstorm, falling objects, animals, water or flood and theft.
- If your car is stolen, coverage pays for transportation expenses.
Collision
- Covers accidental damage to your car by collision with any object or upset of the vehicle.
- Pays up to actual cash value of your vehicle, less the deductible you select.
Auto Glass Replacement Program
- Takes the headache out of repairing or replacing damaged or broken auto glass.
- Simply notify your agent when damage occurs.
- A Farmer’s representative will contact you within 30 minutes to schedule an appointment.
- In most cases, repair can be made within 24 hours.
Towing and Road Service
- Just one phone call.
- Farmers Service Representatives across the United States and Canada will help you get back on the road quickly and safely.
- Just sign for reasonable and necessary services up to $150 - no need for cash, check or credit card. Charges in excess of $150 must be submitted to your agent for consideration.
Loss of Use (Rental reimbursement)
- Receive up to $50 a day, up to a total of $1000, while your car is being repaired for collision damage or comprehensive loss* in excess of your deductible.
- Several coverage plans are available to meet your lifestyle needs.