Auto

Product Card
Vital coverages Convenience coverages
Liability – Bodily Injury/Property Damage coverage Comprehensive
• Pays for bodily injuries to other people or damage to their • Protects your vehicle by paying for losses resulting from fire, theft, falling objects, riots,
property, if your insured is liable as a result of a covered loss. storms, earthquakes, floods, collision with a bird or animal and other natural occurrences.
• Includes medical expenses and lost wages. • Like Collision coverage, Comprehensive coverage generally includes a deductible.
• Coverages are subject to the limits and conditions of the policy. • Comprehensive coverage is normally required if your vehicle is leased or if you have an
• Most states require drivers to carry Liability coverage. See your outstanding loan on the vehicle.
Personal Lines Manual for the state specific limits available in your • Provides coverage for broken windshields.
area. Collision
Uninsured Motorist/Underinsured Motorist • Covers accidental damage to your insured’s car caused by Collision with any object or by
(UM/UIM) the vehicle overturning.
• Pays for bodily injuries, but not property damage, your insured, • Pays up to the actual cash value of their vehicle, less the deductible your insured selects.
qualified family member, and any other person occupying
• Coverage is normally required if a vehicle is leased or if there is an outstanding loan
their covered auto sustains, caused by an uninsured motorist,
on the vehicle. See your Personal Lines Manual for limits of coverage and deductibles
underinsured motorist or a hit-and-run driver.
available.
• Also applies to household members as pedestrians.
Emergency Roadside Assistance and Towing Service
• Includes payment of medical costs, lost wages and pain and • With one toll-free call, Farmers Service Representatives across the
suffering. United States and Canada will help your customer get back on the road quickly and safely.
• It is required in many states. With our optional Towing and Road Service, your customer can reach us 24 hours a day,
• Coverage amount is usually equal to liability limit. See your 365 days a year.
Personal Lines Manual for available limits. • Up to $150 for towing, lockout service, tire change, and delivery of gasoline. No need for
Medical/Personal Injury Protection cash, check or credit card—just sign and drive.
Medical • For towing service costing more than $150, insured pays the vendor and submits receipt
• Pays medical bills and funeral expenses for your insured or their for reimbursement. Limited to $500 for any one claim.
passenger(s) injured while riding in their vehicle. Loss of Use
• Extends to the insured or their family member when riding as a • Rental Reimbursement – reimburses up to a daily car rental limit for a covered loss that
passenger in someone else’s vehicle or when struck by a vehicle as exceeds the deductible.
a pedestrian. • Coverage K, Loss of Use – several options differ by limits of how much we pay per day
Personal Injury Protection (PIP) when covered vehicle is in the shop for repairs.
• Pays a broader range of medical costs than does Medical Payments Loan/Lease Coverage for New Cars
coverage. • Provides a bridge between the ACV of your car and the amount you still owe on its loan
• Covers lost wages and the replacement of the services of someone or lease.
injured in an accident. Uninsured Motorist Property Damage
• Coverage includes: medical expense with no time limit, loss of • Covers vehicle damage as a result of an uninsured motorist or hit and run driver.
income for 52 weeks, loss of household services for 365 days, Auto Glass Replacement program (FASGLAS)
funeral expenses and survivors benefit. See your Personal Lines • For auto glass losses repaired or replaced through FASGLAS, no comprehensive deductible
Manual for available limits in your state. will apply.
• Delivers glass repair and/or replacement to the location of the
insured’s choice.

Disclaimer: This document summarizes key points from this contract. It does not represent a legal interpretation of the contract.
Please refer to the policy for a review of the actual coverages provided and for details. Policy terms and conditions may apply and are subject to change. For internal use only.
 Farmers Flex Packages
FLEX PLUS FLEX PREMIER* FLEX ULTIMATE*

Optional New Optional New Optional New

Car Pledge Car Pledge Car Pledge

Rate Shield Rate Shield Rate Shield

Level 1: Level 2: Level 3:
Forgives one accident every Locks rates for two years and Locks rates for three years and
three years forgives one accident every forgives multiple accidents
three years every three years

Annual Auto Declining Deductible Declining Deductible

• Lock in your good rates for an Level 1: Level 2:
entire year. Collision deductible reduces by $100 Comprehensive AND Collision
• Manage your budget better every year there is no chargeable deductibles reduce by $100 every
with less paperwork. accident (up to $500 or amt of year there is no chargeable
• One billing cycle per year deductible) accident (up to $500 or amt of
instead of two. deductible)

*Flex Premier and Flex Ultimate not available in all states.

Check specific endorsement details for more information regarding each coverage

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