Farmers Insurance offers six types of auto insurance coverage, including liability, comprehensive and collision coverage. Farmers also offers uninsured/underinsured motorist coverage, medical payments coverage and personal injury protection. Farmers provides additional coverage options to policyholders as well, such as a new car pledge, loss of use coverage and personal umbrella coverage. Policyholders can also opt to receive accident, small claim, incident and comprehensive claims forgiveness as well as roadside assistance and glass repair services, as the Farmers Insurance website describes.
With liability coverage from Farmers, policyholders receive bodily injury and property damage coverage, which pay for the other party's medical expenses and property damage costs in the event of an accident in which the policyholder is at fault. If a policyholder hits another vehicle or a fixed object, collision coverage pays for the cost of the damage to the policyholder's vehicle, as Farmers explains. If a policyholder's vehicle incurs damage from an event other than an accident, such as fire, theft or an adverse weather situation, comprehensive coverage pays the cost of the damage to the vehicle.
If a policyholder is in an accident and the other driver is uninsured or underinsured, Farmers' uninsured/underinsured motorist coverage offers liability coverage for the policyholder. If the policyholder or a passengers sustains an accident-related injury, medical payments coverage pays for the associated medical expenses, according to Farmers. Personal injury protection covers a broader range of medical expenses that may be associated with an auto accident, such as rehabilitation expenses or replacement vehicle costs.
With the optional new car pledge, Farmers replaces a policyholder's car with a new model if it is totaled within the first two model years, as detailed by Farmers' website. Farmers forgives policyholders for one accident every three years without one under the company's accident forgiveness coverage.