Common car insurance coverage types
Liability
Required by law in most states, liability coverages provide coverage for the cost of bodily injury to others and damage to their car or other property when you’re at fault in an accident.
Comprehensive
Comprehensive coverage, also known as “other than collision” coverage, helps pay for losses or damage to your car caused by theft, vandalism, hail, wind, fire, animals and more.
Collision
When you’re in an accident, including collisions with other vehicles or objects, collision coverage helps pay to repair or replace your vehicle.
Uninsured and under-insured motorist coverages
Uninsured motorist bodily injury (UMBI) helps pay costs if you or your passengers are injured by the driver of an uninsured vehicle. Uninsured motorist property damage (UMPD) helps pay to repair your car if it is damaged by an uninsured vehicle.
Underinsured motorist coverages can help pay costs associated with injuries and property damage when the at-fault driver has insurance but doesn’t have enough insurance to cover the damages.
Medical payments
If you or your passengers are injured in an accident — no matter who is at fault — medical payments coverage helps to pay the cost of medical care.
Personal Injury Protection (PIP)
If you or your passengers are injured in an accident — regardless of who is at fault — PIP coverage can help with costs like rehabilitation and lost wages.
What type of insurance coverage does
my state require?
Additional auto insurance coverages & optional features
Towing and roadside service
- Can provide 24/7 roadside assistance if your car is disabled
- Helps pay for towing, tire changing, locksmith service and jump starts
- May include limited coverage for a rideshare when your car is disabled
Rental car reimbursement
- Can cover the cost of a car rental for up to 30 days while your car is being repaired
- Arrangements and billing can be handled directly by Farmers®
Rental alternative coverage/Loss of use
- Pays a stipend up to the limit you select for each day your car is in the shop, or in the event of a total loss
- Stipend can be used for public transit, taxis, rideshare service or rental cars, among other expenses
Original equipment manufacturer (OEM)/New original parts
- Covers the cost of using original manufacturer parts (if available) in covered repairs
- Available on cars up to 10 years old
Accident forgiveness
- Farmers will forgive one at-fault accident for every three years
- Keeps your premium from increasing because of one accident
Rideshare and food delivery
- Rideshare insurance helps protect drivers for companies like Uber and Lyft (and app-based food delivery in some states)
- Provides coverage during periods the driver is not covered by company or personal insurance
New car replacement/Vehicle replacement plus
- Coverage varies by state. When applicable, it can pay to replace a vehicle that is a covered total loss with a new or newer car
- Vehicle age and mileage factor into coverage features in each state. E.g., in some states, coverage will replace a car within the first two years and less than 24,000 miles with a new car of the current model year, same make and model.
Customized equipment
- Covers the cost to repair or replace permanently installed aftermarket equipment like infotainment systems and custom wheels
- Available on any vehicle with collision and comprehensive coverage
Glass deductible buyback/$100 glass deductible
- Covers windshield and glass repair and replacement
- Low $100 deductible (or $0 deductible in some states)
- $0 deductible for chip repairs that don’t require glass replacement
Personal umbrella policy
- A separate policy that provides additional liability coverage — above the limits on your auto policy
- Personal umbrella insurance can help protect your assets from lawsuits
Gap insurance/Residual debt coverage
- Covers the difference between the amount you owe on your car and its actual cash value (ACV), in the event of a total loss, up to a maximum of 25% of ACV
- Pays your lender/leaseholder to cover the balance of your loan or lease
- May have different names at different companies, such as residual debt coverage, loan/lease coverage or gap coverage
This information provides only a general description of coverages, features, and potential discounts. Not all products, coverages and discounts are available in every state, and can vary by state. Eligibility requirements can vary by state. Coverages and discounts are subject to the terms, limits, provisions, exclusions, restrictions, and conditions in the policy and in applicable endorsements. Contact Farmers for details and additional information.
Related articles
What's the Difference Between Comprehensive and Collision Coverage?
Almost every state in the U.S. requires vehicle owners to carry liability insurance or prove financial responsibility, but that coverage does nothing for you if your car needs to be repaired or replaced in situations where a third party is not responsible for the damage.
Can I Change My Auto Coverage Whenever I Want?
As long as you are a Named Insured, you can make adjustments to your auto policy whenever you wish — you don’t have to wait until renewal time.
Does My Auto Insurance Cover Rental Vehicles?
Farmers auto policies cover most types of rental vehicles, including passenger cars, pickup trucks and SUVs. You’ll get the same amount and types of coverage provided by your personal policy.
What Is Full Car Insurance Coverage?
A full coverage car insurance policy typically includes liability, uninsured/underinsured motorist, collision and comprehensive coverages.
