"Full Coverage" generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. It does NOT guarantee that everything is covered no matter what happens.
Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply first toward damage. Your insurance would generally apply in the event that the owner of the vehicle has no auto insurance or does not have enough auto insurance to pay the damages.
The Farmers Towing Program provide access to roadside assistance at any time of the day or night. Not only dotes this program provide towing to the nearest repair facility, but it also provides service for "lock out", battery, "jump start" and other labor charges performed at the place of your vehicle's disablement. In most cases, Farmers will be billed directly. If you have this coverage, you need to call 800-HELPPOINT (800-435-7764).
If you take a rental car, it will be covered for the liability and Comp. and coll. coverage in the same way like your own car. Whatever liability limits and Comp/Coll. deductible you have your own policy will apply on the rental car. Please remember to carry your Evidence of Auto Insurance with you.
Please call Farmers Claims Services at 1-800-HELP-POINT ( 435-7764) and choose the option for "Glass Only Claims". They will schedule the time to come to your place to take care of this. If the size of the damage is less than six inches, then it's possible your windshield can be repaired rather than completely replaced. In this scenaio, you do not have to pay your deductible.
You don't need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes and water back up due to inadequate or overloaded drainage systems. Flood Damage is not covered by the Homeowners policies. You can protect your home, business and belongings with Flood insurance from Farmers - up to $250,000 for the building and $100,000 for contents. Flood insurance is good buy even in low or moderate risk areas. Almost 25 percent of all flood insurance claims come from low-to moderate- risk areas. There is usually a 30 day waiting period before the coverage goes in to effect. Plan ahead so you're not caught without flood insurance, when a flood threatens your home or business.
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