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Bodily injury
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Property Damage
We’ll
cover injuries to other people or damage to their property, if you are
liable, whether your car was driven by you, a qualified family member,
or another driver using your car with your permission.
In
most cases, you’re also covered in a car you borrow or rent.
Personal
Injury
You’re
covered for medical expenses arising from an auto accident, for you and
qualified family members, regardless of who’s at fault.
This
coverage also pays a predetermined portion of your lost income; a
specific amount for essential services the injured person would normally
perform without pay; and medical expenses for other people injured in
your car.
Uninsured
Motorist
This coverage pays for bodily injuries to you, qualified family members,
or other person in your car, caused by an uninsured motorist or a
hit-and-run driver, if that driver is liable. Uninsured Motorist limits
may be increased up to the same limits carried for Bodily Injury.
Underinsured
Motorist
You’re covered for bodily injuries to you, qualified family members,
or other person in your car, caused by a motorist whose liability
insurance limit is insufficient to pay damages you are legally entitled
to recover. Pays up to the limit you select, less the amount paid by the
other party. (Coverage varies in some states.)
Comprehensive
This coverage pays for damage to your car except when caused by
collision or upset. Includes damage from fire, vandalism, windstorm,
sandstorm, falling objects, animals, water, flood or theft. Pays up to
the actual cash value of your vehicle, less the deductible you select.
If
your car has ever broken down unexpectedly, you know how inconvenient
and expensive repairing it can be. Just one major repair can cost
you time, money and peace of mind.
Protect
yourself from those unexpected bumps in the road, specifically, the
ever-increasing cost of vehicle repairs with Farmers Mechanical
Breakdown Insurance
With
the addition of Mechanical Breakdown Insurance, you can protect your new
or used car, inside and out. This coverage offers several terms and
coverage options to meet your specific needs and can even be purchased after
you buy your car.
Why
should you purchase Mechanical Breakdown Insurance?
•
MBJ reduces the risk of unexpected breakdown costs
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Payment plan makes coverage affordable
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Enhancement of’ your vehicle resale value
Coverage
Farmers
pays for parts and labor to repair or replace major component parts. We
also cover wear-and-tear failures of covered parts.
A
higher
resale value
Your
Farmers MBJ policy may be assigned to the next owner of your vehicle for
a higher resale price.
Low
deductibles
You
pay only a small deductible per covered repair visit — Farmers pays
the rest.
Easy
budgeting
A
24-month payment plan option is available.
Wide acceptance
Your
MBJ policy may be used at any facility across the United States and
Canada.
Rental reimbursement
If
you need a rental vehicle due to covered repair work, Farmers may
reimburse you up to
$25 per day for a maximum of six days.
Trip
interruption coverage
Farmers
will take care of you and your family if your vehicle breaks down more
than 100 miles from home. We offer reimbursement for food and lodging up
to $100 per day for three days per repair visit.
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