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Auto and
Home Discount Each Other in the Same Household The New FA2 Auto Insurance Model is Proving Competive
with Not Only Major Companies, but Also "Online" and "1-800" Companies.
The
Same Great Agent Service is Still Free.
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If you haven't received
an auto quote from Farmers since 2/16/10, now's time. Famers
"FA2" Auto Policy uses a completely new rating model. All I usually need for a Preliminary FA2 Auto Quote is Name, DOB, Tickets/Accidents of Household Drivers,
and Car information. If Coverage Information
is not provided, we'll use a "standard" converage configuration. Please Call US at 972-727-9557 or Inquire Below: Selection of appropriate rate is based
on underwriting criteria. Adverse driving history or other underwriting factors affects final premium.
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Summary of Primary Auto Insurance Coverages
1. Bodily Injury Liability
This coverage applies to injuries you, the designated driver
or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else's
car with their permission.
It's very important to have enough liability insurance, because if you are involved in a serious accident,
you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets
such as your home and savings.
2. Medical Payments or Personal Injury Protection (PIP)
This coverage pays for the
treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments,
lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover
funeral costs.
3. Property Damage Liability
This coverage pays for damage you (or someone driving the car with your permission)
may cause to someone else's property. Usually, this means damage to someone else's car, but it also includes damage to lamp
posts, telephone poles, fences, buildings or other structures your car hit.
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4. Collision
This coverage pays for damage to your car resulting from a collision with another car, object or as a result of
flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250
to $1,000-the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision
coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance
company may try to recover the amount they paid you from the other driver's insurance company. If they are successful, you'll
also be reimbursed for the deductible.
5. Comprehensive
This coverage reimburses you for loss due to theft or damage caused by something other than a collision
with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism,
riot, or contact with animals such as birds or deer.
Comprehensive insurance is usually sold with a $100 to $200 deductible, though you may want to
opt for a higher deductible as a way of lowering your premium.
Comprehensive insurance will also reimburse you if
your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.
States do not require that
you purchase collision or comprehensive coverage, but if you have a car loan, your lender may insist you carry it until your
loan is paid off.
6. Uninsured
and Underinsured Motorist Coverage
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit
by an uninsured or hit-and-run driver.
Note: Not all products are available in all states. Information
presented on this Web site is not a policy document or official program guide. The actual insurance contract is contained
only in the policy. Insurance protection may vary from the coverages shown, depending on the standard coverages included in
the policy and the optional coverages purchased. Please check the actual policy documents and/or state-specific program guides
for details on coverages, eligibility, exclusions, limits, deductibles and restrictions, which are subject to change. Or call
your marketing representative.
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