Question and Answer of the day
What if I let someone else drive my vehicle and they get into an accident?
Generally speaking, insurance goes with the vehicle. For example, if you have an accident while driving someone else's vehicle, the owner's insurance would first, be applied toward damages to the vehicle. Your Auto insurance would also generally apply in the event that the owner of the vehicle had no Auto insurance or did not have enough auto insurance to pay for the damages. Personal Injury Protection, which varies from state-to-state, covers the individual under their individual policy. For example, if my friend is driving my vehicle and gets hurt in an accident, my Auto insurance will cover the damages caused to my vehicle, but their Auto insurance will cover injuries caused to their person.
Auto / Vehicle Insurance Coverage
Auto Rental Service
When we think rental vehicle, we usually think renting for a vacation or a fun road-trip. We don't always anticipate that we may need a vehicle because we get into an accident. That's why we provide use of a rental vehicle.
Bodily Injury Coverage
Accidents happen and the resulting damage can be quite costly. Bodily Injury coverage helps to cover the medical expenses that can occur from injuries or death resulting from an accident in which you are at fault.
When you own a business, you have a unique set of operation and protection requirements all your own. Especially for business owners that own and operate vehicles, Business Auto insurance provides coverage for your unique needs.
You're on your way to the annual auto show, when someone rear-ends your classic 1957 Chevrolet. Fortunately, you had Collectible Auto insurance. When it comes to unique and rare automobiles, we've got you covered.
Whether it's icy roadways, a blind spot, or an uncontrolled intersection, Collision Coverage pays any amount more than your deductible to restore the damage done to your vehicle to factory new condition in the event of an accident.
Are you covered when the passing hail storm pellets your vehicle? Are you protected from the thief that hot-wired your ignition and drove away? Comprehensive Coverage covers a wide-range of incidents and accidents.
Fault or No-Fault Coverage
Who pays for the damage done to your vehicle? It actually depends. If you live in a no-fault state, your insurance will cover you. If you live in a fault state, the accident-causing party's insurance will cover you.
Glass Repair and Replacement
You're smoothly coasting down the highway and smack! A pebble no bigger than a pea detroys your windshield. Fortunately, you have Farmers Fasglas® and your brand-new windshield was installed just a few days later.
You never know when someone might get hurt in an accident. You could stand to lose a lot if you are at fault. Liability Coverage provides protection against financial loss.
Medical Payments Coverage
It's been a month since the accident and you just received your first hospital bill. Medical Payments Coverage makes sure you're protected against the income losses caused by medical and funeral expenses.
It's time to get out on the open road. And, now more than ever, you may be likely to choose a home on four wheels rather than on a permanent foundation. It's important to make sure that you and your home have the right protection no matter where you are.
Optional/Add-on Equipment Coverage
Adding features to your vehicle may add a personal touch but they can get "spendy". That's why we provide Optional/Add-on Equipment Coverage.
Personal Injury Protection (PIP) Coverage
Personal Injury Protection takes care of medical expenses and lost wages caused from an accident. Rising medical costs make financial recovery just as difficult, if not more catastrophic than the physical damages caused in the accident. Because of this, it's never been more important to make sure that you're covered.
Property Damage Coverage
Are you covered if you're responsible for damaging someone's house? What about their fence or their vehicle? If you have Property Damage Coverage, it will pay for the damages that you cause when you are at fault.
Safety Apparel Coverage
Have a nice helmet? Got some sweet leathers? Make sure you don't have to pay for it all over again if you get into an accident.
There isn't a feeling much worse than the one you get when you're stranded and don't know where to turn. Farmers Farmtow® and TraveLine® RV Towing provides the services to rescue you in the middle of nowhere, and, well pretty much anywhere.
Uninsured/Underinsured Motorist Coverage
You know that you have insurance coverage but what about the "other guy"? What if the other guy doesn't have enough insurance? Unisured/Underinsured Motorist Coverage, protects you from the "other guy" and those other variables.
"Being among the top 10 percent of Farmers agents means I have the training, knowledge and customer service experience required to help you select the right coverage to meet your insurance needs."