Collision coverage pays when your own vehicle is damaged in an accident. Generally, the coverage reimburses you the amount to repair or replace your damaged vehicle, minus the agreed-on deductible. It is usually the most expensive coverage in your auto policy.

Comprehensive

Comprehensive pays for damages to your car caused by an incident other than a collision with another car or object. You're covered for fire, theft, riots, collisions with animals, storms, falling objects, earthquakes, floods and other natural occurrences. Often, comprehensive insurance includes a daily rental provision that pays a certain amount toward a rental car in conjunction with a theft claim. Like collision, comprehensive coverage generally includes a deductible.

Deductible

The deductible is the amount of the loss you agree to pay or absorb in the event of an accident. With auto insurance, deductible amounts typically range from $50 to $1,000 per claim. That means you absorb the deductible amount every time you make a claim. Choosing a higher deductible reduces the cost of your insurance.

Bodily Injury

This coverage pays, subject to policy limits and conditions, all sums which you are legally obligated to pay for any person(s) injured or killed in an accident where you are at fault. Coverage includes medical expenses and lost wages.

Property Damage

Property Damage is liability coverage for damage to another's personal property, such as an automobile, house or fence, in a collision where you are at fault.

Medical Payments

This coverage handles medical bills and funeral expenses for you or a passenger injured while riding in your vehicle. Coverage extends to you or a family member when riding as a passenger in someone else's vehicle or when struck by a vehicle when on foot. Costs are covered up to the amount specified by the policy.

Uninsured Motorist/Underinsured Motorist

Uninsured Motorist covers you in an accident with a motorist who has no insurance. Underinsured Motorist protection is usually separate from Uninsured Motorist coverage and will cover you for additional losses that exceed the insureds coverages. Uninsured Motorist protection also covers you if you're injured by a hit-and-run driver. Coverage includes payment of medical costs, lost wages and pain and suffering.

Value Adds

We offer a wide variety of value add products for your auto policies and here is just a few of our more popular choices:

Automobile loss of use coverage -
* Loss of Use coverage is designed to pay to the named a flat sum to assist with expenses incurred following a loss in excess of the deductible arising under Collision and/or comprehensive coverages.
* Loss of Use coverage may be written only on private passenger automobiles insured in the Company for Collision and Comprehensive coverages.
* This coverage will pay the named insured either:

- A daily rate or part thereof while the automobile covered for Collision insurance by this policy is in the custody of a garage for necessary repairs, subject to a maximum payment, or;
- 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

* Loss of Use(K5)- Pays $50 per day up to $1000 for extra expenses resulting from either a collision or comprehensive loss. If a loss occurs over 50 miles from the home, this coverage will payup to $500 in extra expenses to return the repaired car to its home of destination. In the case of a total theft, this coverage will pay $35 per day up to $1000 in excess of the $15 per day provided on a standard policy. The maximum amount payable under K5 is $1000.

GAP Insurance (Residual Debt Coverage)

This coverage will pay the additional cost of terminating a finance contract ** of a motor vehicle in the event the vehicle is a total loss. The following are excluded from coverage:

• Excessive mileage charges on leased vehicles.
• Credit life premiums.
• Extended Warranty.
• Any other coverages which are financed as part of the purchase or lease contract.

** We will pay no more that 25% of the Actual Cash Value of the vehicle at the time of loss.

Rental Reimbursement Coverage-

Rental Reimbursement Coverage is designed to reimburse the names insured for the actual expenses incurred for the daily rental rate and associated taxes resulting from a rental used as a substitute car for the insured car. Expenses for gasoline, maintenance, and collision damage waiver insurance are not covered by this coverage.

Rental Reimbursement coverage may be written only on private passenger automobiles insured with Farmers for Collision and Comprehensive Coverage. The loss necessitating the rental must be caused by Collision or a cause of loss covered by Comprehensive coverage and the insured car must be withdrawn from normal use for more than 24 hours.

See policy for terms and conditions. The information presented on this page is just a general description. The policy itself should be read for specific coverage's and exclusions.