When it comes to Auto Insurance....Your best protection is with FARMERS!!!

Do you have the correct amount of coverage? At The Mike Crise Agency, we can review your coverage with you, help identify any potential overlaps or gaps in coverage and inform you of any discounts for which you may qualify. It’s all part of the professional, personalized services we offer.

Bodily Injury and Property Damage Liability

· Pays for bodily injuries to other people or damage to their property, if you are liable

· Pays whether your car was driven by you, a qualified family member, or another driver using your car with your permission.

· Pays to repair non-owned cars if you are legally responsible for the damage.

· Pays if you or qualified family members are driving a non-owned car.

· Pays up to the limits you select.

Damage Other Than Collision

· Pays for damage to your car except when it’s caused by collision or upset

· Includes damage from such causes as fire, vandalism, windstorm, sandstorm, falling objects, animals, water or flood. Also includes theft.

· Pays you up to $20 a day, up to a $600 limit for each loss, for transportation costs if your car is stolen. (Coverage begins 48 hours after the theft).

Uninsured and Underinsured Motorist

· Pays for bodily injuries or damage to your property, up to the limit you select, for you, qualified family members and any other person occupying your covered auto, caused by an uninsured motorist or a hit-run driver, if that driver is liable. There is a $250 deductible on property damage coverage.

· Also pays for bodily injuries to you, qualified family members and any other person occupying your covered auto, caused by a motorist whose insurance is not adequate to pay for the injuries if that driver is liable. Pays up to the limit you select, less the amount paid by the other party. (Mandatory unless rejected in writing, either in its entirety or Property Damage only).

Collision

· Covers accidental damage to your car by collision with any object or by upset.

Personal Injury Protection (PIP) or Medical Payments Coverage

· Personal Injury Protection (PIP): Pays up to the policy limit for medical bills, lost income, household services replacement costs and funeral bills resulting from an automobile accident. This coverage protects you, your family, anyone riding in your car, and anyone driving your car with your permission. (Mandatory unless rejected in writing).

· Medical Payments Coverage: Pays doctor, hospital and surgical bills, up to the per person limit you select, for you or anyone riding in your covered auto. (If you do not face a threat of income loss, you may want Medical Payments Coverage instead of PIP).

· Both PIP and Medicals: Also covers you and qualified members of your family while in non-owned cars, and if hit by a motor vehicle while walking or riding a bicycle. Minimum limit is $2500. Higher limits are available for a small additional charge.

Policy Credits

· Farmers offers many ways to save your premium dollars. These include our Passive Restraint, Anti-Theft Device and Two or More Autos Credit