Farmers

Liability Coverage

This is the most essential piece of insurance required to be able to drive legally on the road in the USA. A vehicle registration number is granted only if the car owner holds a valid liability insurance policy. It includes the Bodily Injury liability and the Property Damage liability.

Bodily Injury plans cover expenses incurred due to bodily damages caused to the opposite person in an accident you were responsible for. Property Damage covers costs due to loss of the opposite party’s vehicle that may include repair or replacement.

Collision Coverage

This policy covers damages caused to your car in the event of a collision with a lamp post, pole or curb. It covers the expenses associated with physical damage caused to your car. Although this is not necessitated by the law, it is good practice to hold a collision coverage since the costs of repair or replacement might run into thousands of dollars.

Comprehensive Coverage

While Liability and Collision plans cover costs due to vehicular accidents, a Comprehensive Insurance policy can help you claim costs in case of damages caused due to vandalism, fire, hail or theft. It also covers costs in the event of an accident with an animal. It is helpful in safeguarding your car against the effects of any uncertain natural calamities as well.

Medical Payment

This policy addition covers costs incurred if you or any passenger in your car is injured in the event of an accident. It is primarily used to cover medical costs.

Personal Injury Protection

PIP is mandatory to hold in some states. It is similar to the Medical Payment plan, but holds a wider scope as it covers the costs for rehabilitation, work loss as well as funeral expenses if any.

There are a ton of coverage additions on offer with Farmers Car Insurance but it is essential to choose only those that really cater to your needs and situation.