6 Types of Auto Insurance Offered by State Farm
State Farm is one of the largest auto insurance companies in the United States. They offer a variety of different types of insurance coverage for your car to fit your budget and insurance needs.
- Comprehensive Coverage
Comprehensive insurance pays for replacements or repairs needed because the insured vehicle was damaged by something other than a collision. This coverage includes damage caused by fire, theft, vandalism, weather or hitting an animal. It also applies to damage to your auto glass caused by impact from a rock, tree branch or another object. Contact State Farm auto glass insurance claims Baton Rouge if you need to file a claim for auto glass damage.
- Collision Coverage
Collision coverage pays for the replacement or repair of damage to your automobile caused by a collision with another motor vehicle or object. This coverage applies regardless of whether you caused the accident that caused the damage. However, it is usually subject to a deductible. If your damage was caused by someone else, you may be able to get the other party to reimburse your deductible.
- Liability Coverage
Liability coverage pays for injuries and property damage that you are legally liable to pay because of an accident that you or another driver caused while operating your insured vehicle. State law requires most drivers to purchase liability insurance to legally operate a motor vehicle.
- Car Rental and Travel Expenses
Rental car reimbursement coverage pays for the cost to rent a car while your car is being repaired due to a covered cause of loss. Travel expense coverage pays for lodging, meals and transportation costs incurred because of an accident occurring more than 50 miles from your home.
- Uninsured Motor Vehicle Coverage
This coverage pays for your medical expenses if you are injured because of the negligence of a driver who does not have liability insurance. It may also apply to an unknown hit and run driver.
- Underinsured Motor Vehicle Coverage
This coverage pays for medical expenses not paid for by at-fault drivers because they do not have high enough liability limits to cover all of your expenses. However, you can not collect the same damages twice, so this coverage would only pay the amount not paid by the at-fault party or their insurance.
Most drivers are required to purchase liability coverage. However, State Farm recognizes that many drivers have insurance needs beyond the minimum required coverage and offers a variety of options to meet those needs.