Personal Automobile Insurance
Whether on a busy city street or a quiet country road, protecting your auto and
family requires knowing what auto coverage options are right for you. South
Carolina Farm Bureau Insurance Companies provides many auto coverage options to
assist in tailoring a personal auto policy that meets your needs.
Liability Coverage: Pays others for accidental bodily injury and property
damages for which an insured is legally responsible.
Medical Payments Coverage: Pays for medical and funeral expenses, related
to an auto accident involving a covered auto, regardless of who was at fault in
the accident.
Uninsured Motorists Coverage: Pays for damages for covered persons
resulting from an auto accident caused by an at fault driver who does not have
liability insurance or is a hit and run driver.
Underinsured Motorists Coverage: Pays for damages for covered persons
resulting from an auto accident caused by an at fault driver who does not have
sufficient liability limits to pay for damages.
Collision Coverage: Pays for damage to a covered vehicle caused by
accidental collision with another object, or upset of the vehicle. It also
provides coverage for reasonable expenses related to emergency road services
such as towing and delivery of oil, gasoline, batteries or tires.
Comprehensive Coverage: Pays for damage to a covered vehicle, except when
caused by collision or upset. This coverage typically includes among other
things, fire, theft, animal collision, and glass breakage.
Farm Class (only) Cargo Coverage: Is an additional coverage that applies
if you have either Collision or Comprehensive coverage and provides coverage up
to $250 for feed, seed, fertilizer, pesticides, farm produce, and livestock
damaged or destroyed by a covered peril while carried on a farm rated pickup
truck to which a loss occurs. This coverage only applies to the Personal Auto
Policy Form.
Endorsements: We have several endorsements available to personalize your
auto policy to meet your specific needs.
Customization Endorsement: Provides coverage for specific, named
accessories that have been added to an automobile such as running boards or
toolboxes.
Sound Receiving and Transmitting Equipment: Provides coverage for
specific, named sound receiving equipment such as stereo equipment or CB
radios.
Auto Rental Reimbursement: Provides reimbursement for car rental if the
insured auto is damaged by a covered peril. The insured may select a daily
limit of $15, $25, or $35 subject to daily maximum limits.
Discounts: South Carolina Farm Bureau Insurance Companies has many
discounts available to reduce your auto insurance premiums.
Safe Driver Discount: May provide up to a 25% discount on specific
coverages for each automobile. The discount amount is based on the accident
history of any and all drivers who operate the automobile.
Account Discount: Provides a 15% discount if an insured has a Homeowner
policy and Personal Auto policy insured under the same membership.
Good Credit Discount: Provides a 10% discount on each auto and is based
on the insured's credit history. This discount may only apply if the Account
Discount does not apply.
Renewal Discount: Provides a 5% discount if an insured has an auto policy
in force for three or more continuous years with no lapses in coverage.
Good Student Discount: Provides a 15% discount on specified coverages for
operators, age 15 through 24, who are full time students and maintain specified
academic standards.
Driver Training Discount: Is available for youthful and adult operators
and provides a discount on specific coverages when an approved driver's
training course has been successfully completed.
Limits
Auto Liability limits are expressed in thousands of dollars of coverage. The
first number refers to the maximum amount payable to any one person; the second
number refers to the maximum amount payable to all persons with a liability
claim. The third number refers to the maximum amount payable for property
damage, such as another person's car. Some sample liability limits are:
15/30/15, 25/50/25, 50/100/25, 100/300/100, and 250/500/250. Uninsured and
underinsured motorist coverages also express limits in the same way.
Deductibles
The deductible is the amount of the loss for which you are responsible. It
applies when your car is damaged and protected by comprehensive and/or
collision coverages.
There are also other available coverage options to further customize your
insurance plan. For more information, please contact your local
South Carolina Farm Bureau Insurance Companies agent.
This information is only a general description of the available coverages and is
not a contract. All coverages are subject to availability and qualifications.
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