auto

BODILY INJURY
Bodily Injury coverage pays for any person(s) injured or killed in an accident where you
are at fault. Coverage includes medical expenses and lost wages. These coverages are
subject to the limits and conditions of your policy. Most states require drivers to carry
Bodily Injury coverage.

PROPERTY DAMAGE
In a collision where you are at fault, Property Damage covers your liability for damaging
another person's personal property, such as an automobile, house or fence.

UNINSURED / UNDERSINSURED MOTORIST
Uninsured Motorist coverage protects you, members of your household and your
passengers in an accident with a motorist who has no insurance or is underinsured.
Uninsured Motorist protection also covers you if you're injured by a hit-and-run driver.
The coverage also applies to you and the members of your household as pedestrians.
Coverage includes payment of medical costs, lost wages and pain and suffering. It is
required in many states. In some states or insurance policies, Underinsured Motorist
protection is separate from Uninsured Motorist coverage.

MEDICAL COVERAGE
This coverage pays 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.

COMPREHENSIVE DAMAGE
Comprehensive coverage protects your investment in your vehicle by paying for losses
resulting from fire, theft, falling objects, riots, storms, earthquakes, floods, collision with a
bird or animal and other natural occurrences. Like Collision coverage, Comprehensive
coverage generally includes a deductible. Comprehensive coverage is normally required
if your vehicle is leased or if you have an outstanding loan on the vehicle.

COLLISION DAMAGE
Collision coverage pays for damage to your vehicle that results from a collision with
another vehicle or object. Generally, the coverage reimburses you the amount needed to
repair or replace your damaged vehicle, minus the deductible. This coverage is normally
required if your vehicle is leased or if you have an outstanding loan on the vehicle.

DEDUCTIBLE
The deductible is the amount of the loss you agree to pay or absorb in the event of a
claim or accident. Let's say you have a $250 deductible. If you have a fender-bender,
and the bodywork costs $1150, you will pay the deductible - $250, and your insurance
company will pay the balance - $900. With auto insurance, deductible amounts typically
range from $50 to $1,000 per claim. Choosing a higher deductible reduces the cost of
your insurance.

GLASS DEDUCTIBLE BUY BACK
Auto Glass Replacement is an optional program that takes the headache out of repairing
or replacing damaged or broken auto glass. This coverage typically lowers your
comprehensive deductable to $100 in most glass related claims.

ROADSIDE ASSISTANCE
Comprehensive coverage protects your investment in your vehicle by paying for losses
resulting from fire, theft, falling objects, riots, storms, earthquakes, floods, collision with a
bird or animal and other natural occurrences. Like Collision coverage, Comprehensive
coverage generally includes a deductible. Comprehensive coverage is normally required
if your vehicle is leased or if you have an outstanding loan on the vehicle.

RENTAL CAR REINBURSMENT
After a car accident, you may need to rent a car while yours in being repaired. Car rental
reimbursement coverage pays a flat sum to assist you with the expenses that you may
incur following an auto accident. Farmers has a number of different plans to fit your
lifestyle and budget.

PERSONAL UMBRELLA
Farmers Personal Liability Umbrella provides coverage in increments of $1 million. It
supplements your present policies to provide additional personal liability protection. The
Umbrella policy goes into affect after the underlying liability limits on your homeowners or
auto policy is exhausted. Therefore, your policy must have certain limits in order to
qualify for an Umbrella policy.

BODILY INJURY
Bodily Injury coverage pays for any person(s) injured or killed in an accident where you
are at fault. Coverage includes medical expenses and lost wages. These coverages are
subject to the limits and conditions of your policy. Most states require drivers to carry
Bodily Injury coverage.

PROPERTY DAMAGE
In a collision where you are at fault, Property Damage covers your liability for damaging
another person's personal property, such as an automobile, house or fence.