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Farm Bureau Insurance®*  |  Insurance Products  |  Auto Insurance
Types of Auto Insurance Coverages
There are several types of coverages for your auto insurance that are designed to protect you in varying circumstances. Understanding these coverages and how they aid you in an accident is important to helping you determine what you need from your auto insurance policy. Your local Farm Bureau Insurance®* agent can further explain these coverages and options to fit your needs.


Liability Insurance

Bodily Injury Liability (BI)
This coverage covers you if you cause an accident in which someone else is hurt or killed. Bodily Injury also includes medical expenses, loss of income, pain and suffering. Bodily Injury Liability is subject to the limits defined in you policy so its important that you have high enough limits to avoid financial losses.

Property Damage
This coverage covers you when you damage someone else’s property. Usually it’s someone else’s car, but it could apply to buildings, utility poles, garage doors, and other physical property.
 
Uninsured/Underinsured Motorist (UM/UIM)
This coverage covers you and insured members of your household and your passengers (medical and other expenses) when you are hit by a driver without adequate auto insurance. It provides protection when you vehicle is involved in a hit-and-run accident.  UM/UIM coverage includes medical, loss of income, pain and suffering. This coverage covers the difference between what the other at fault driver's insurance covers and the costs of your bodily injuries, up to the limits of the policy.
 
Medical Payments Coverage (Med Pay, or MPC)
This coverage covers pays for your medical and funeral expenses for you and your passengers injured in while in your insured vehicle. Even when your a passenger in another vehicle or struck by a vehicle while on foot, Med Pay Coverage extends with you and your insured family members, based on the limits of your policy.
 
Collision
This coverage covers damage to your car if you run into another car, a brick wall, a fire hydrant, or other object. The coverage reimburses the costs of repair or replacement of your damaged vehicle, minus the deductible.
 
Comprehensive
This coverage covers you in case your car is stolen or damaged in ways that don’t involve a collision. Covered risks include hail, fire, theft, flood, earthquake, explosion, falling objects, and encounters with wildlife, such as deer.



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