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.

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 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.

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.

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.

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.

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.

The Farmers Tow Program (FARMTOW) provides access to roadside assistance at any time of the day or night. Not only does this program provide towing to the nearest qualified repair facility, but it also provides service for "lock out", battery "jump start" and other labor charges performed at the place of your vehicle's disablement.

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.

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.