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 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 insurance you want.
Here are some of the risks a driver may face:
You cause an accident
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.
Liability coverage pays for bodily injury and property damage to another that results from covered losses you cause.
You accidentally damage your own car
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.
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
A sudden hailstorm cracks your car’s windshield and leaves dozens of dents on the hood, roof and trunk.
Comprehensive coverage can help when your car is damaged by something other than a collision.
An uninsured driver hits you
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.
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 your all of your damages.
Your kid is injured in a single-car wreck.
Your passengers are injured when his subcompact hits a tree.
Medical payments coverage can help with medical expenses if they’re caused by a covered accident — regardless of fault.
You can’t work during physical therapy because of injuries in a car accident.
You miss several days of work while receiving physical therapy for injuries sustained in a car accident.
Personal Injury Protection (PIP), where available, can help with medical and rehabilitation expenses, as well as lost wages.