Auto Insurance
What
coverages do I need?
In case you're involved in an accident, auto insurance provides financial
protection for you and your family. It pays for the damage and injuries caused
by the accident and for repairing or replacing your vehicle if it is damaged or
stolen.
State
Requirements
In most states, you are required to carry auto liability insurance (or post a
bond) and provide proof of insurance before you can license your vehicle or
renew your driver's license. If you are caught driving without insurance, you
may have to pay a large fine and have your driver's license suspended.
Most states require drivers to carry minimum liability coverage. In many cases,
the required minimum coverage may not be enough to pay for all the damages that
result from an accident and the driver will have to pay the additional expenses
out of pocket.
Types
of Auto Insurance Coverages
There are many different types of auto insurance coverages for you to choose
from. Your Farmers agent can work with you to decide what coverage combinations
provide the best protection at a price that fits your budget.
Fault or No-Fault - Depends on state law.
Collision - Pays damages to your own vehicle.
Comprehensive - Pays for losses from fire, theft, storm, etc.
Deductible - The amount of a covered loss you agree to pay.
Bodily Injury - Pays for injury to others when you are at fault.
Property Damage - Pays for property damage when you are at fault.
Medical Payments- Pays for your own or your passenger's medical expenses.
Personal Injury Protection - In no-fault states, this covers a broad assortment
of medical expenses.
Uninsured/Underinsured Motorist - Coverage for you if other driver is not
insured or is underinsured.
In addition to basic auto insurance, consider these optional services to
provide added protection for your vehicle:
Emergency roadside assistance and towing service
Windshield glass repair service
Car rental reimbursement
Jackie L. Westbrook, LUTCF
Commercial Elite Agent
Westbrook Insurance
Services
7425 E Stetson Dr
Scottsdale, AZ 85251
Bus: (480)
424-7271 Fax: (480) 424-7275
Toll-Free:
(800) 237-7098