Why Farmers auto insurance?
In case you're involved in an accident and it is your fault, auto insurance provides financial protection for you and your family. It pays for the damage and bodily injuries caused by the accident. Your Farmers agent can help you to determine the right amount of coverage to protects your assets. Our optional Farmers Personal Umbrella extends coverage up to $6 million so that you'll always have a peace of mind.
State Requirements
In most states, you are required to carry auto liability insurance (or post a
bond) and provide proof of insurance before you can license your vehicle or
renew your driver's license. If you are caught driving without insurance, you
may have to pay a large fine and have your driver's license suspended.
Most states require drivers to carry minimum liability coverage. In many cases,
the required minimum coverage may not be enough to pay for all the damages that
result from an accident and the driver will have to pay the additional expenses
out of pocket.
In California, the minimum liability is $15,000 Bodily Injury Per Person,
$30,000 Bodily Injury Per Accident, and $5,000 Property Damage (15/30/5). These
limits were set decades ago and it does not reflect what is needed today.
We recommend average drivers to have at least (100/300/100) in order to
adequately protect themselves against high medical costs and liability
judgments. In Alameda County for example, the average auto bodily injury
liability award is about $320,000. If you're living in Alameda County and
currently don't have at least (100/300/100), give me a call at (510) 896-9848.
Types of Auto Insurance Coverage
There are many different types of auto insurance coverage to choose from:
Collision - Pays damages to your own vehicle.
Comprehensive - Pays for losses from fire, theft, storm, etc.
Deductible - The amount of a covered loss you agree to pay.
Bodily Injury - Pays for injury to others when you are at fault.
Property Damage - Pays for property damage when you are at fault.
Medical Payments- Pays for your own or your passenger's medical expenses.
Personal Injury Protection - In no-fault states, this covers a broad
assortment of medical expenses.
Uninsured/Underinsured Motorist - Coverage for you if other driver is not
insured or is underinsured.
In addition to basic auto insurance, consider these optional services to provide
added protection for your vehicle:
Emergency roadside assistance and towing
Windshield glass repair service
Car rental reimbursement
FARMERS has the1st Hybrid Car Discount in the industry!
