Commercial Automobile Insurance
The South Carolina Farm Bureau Insurance Companies were organized to be of
service to farmers and farm - related individuals and businesses. These
individuals and businesses are still the focus of our commercial auto insurance
program. We strive to provide the most comprehensive auto coverage possible for
farmers and farm related businesses. Knowing and understanding the coverages we
have available, will help you to customize an insurance plan to meet your
unique auto insurance 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. This is an especially valuable coverage for farmers or small
businesses where workers' compensation coverage is not required.
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.
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.
Deductibles
The deductible is the amount of the loss for which you are responsible.
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.
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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