state farm comprehensive coverage policy

state farm comprehensive coverage policy

What is Comprehensive Insurance at State Farm?

At State Farm Insurance, the most basic auto insurance coverage starts with personal and property liability protection, with additional package options based on your budget, your state's minimum insurance requirements, and whether your vehicle is leased or owned. Understanding how comprehensive coverage works at State Farm can help you draft a policy that suits your budget and individual needs when it comes to claim time.

At State Farm, comprehensive insurance can be purchased as part of a full-coverage plan for an additional premium, and will usually require a separate, additional deductible. As long as the damage was not caused by a vehicle collision or a rollover, State Farm's comprehensive coverage will pay restitution vehicle repair or replacement. Typical claims include damages caused by fire, theft, vandalism, acts of God such as hail, winds and floods, and collisions with animals.

According to Insure.com, no state in the U.S. requires comprehensive coverage as part of your legal minimum insurance requirement. You are only required to buy comprehensive insurance from State Farm if the bank lender you leased or financed your vehicle from demands full coverage. Once your car is paid off and is therefore less valuable, you can drop the comprehensive from your overall State Farm policy.

The State Farm Insurance website recommends that drivers consider comprehensive insurance, particularly if you cannot afford to repair or replace your vehicle after a damaging incident. If you're considering skipping comprehensive because of budgetary issues, State Farm reminds drivers that the cumulative premiums they pay may equal less than the total cost of replacing a car, so the value of your vehicle should be taken into consideration as well.

If you're budget is strained and comprehensive coverage seems like a luxury you cannot afford, State Farm offers various discounts to help keep your overall yearly premiums down and your coverage more expansive. If you are a student or senior, own a new or theft-protected vehicle, or have an excellent driving record, discounts are readily available. Savings are also passed on when you purchase your auto insurance with other State Farm policies such as home or renters insurance, or if you insure more than one vehicle.

Types of Auto Insurance Coverage

Car insurance can cover injuries and property damage, but different options can cover different situations.

Common Auto Insurance Coverage

Understand the common types of auto coverage and get the insurance you want, to fit your budget.

There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license.If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them.

Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.

If you hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone pole, Collision Coverage helps pay for the damages to your car.

If your car is broken into, or dented in a hail storm, Comprehensive Coverage would help cover the losses to your car.

Sometimes called “Other Than Collision” or “Fire and Theft,” Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft.

Uninsured/Underinsured Motorist Coverage

These days, about 1 in 8 driversfooter note* are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.

If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.

Personal Injury Protection (PIP)

PIP is similar to Medical Payments coverage, but it covers a wider range of costs. It can help pay for medical and rehabilitation expenses, work loss, funeral costs, and even replacement services.

Many states require drivers to carry a minimum level of PIP coverage.

When deciding on your Auto insurance policy or making changes to your coverage, it’s important to understand what each option does, and how it would work if you ever needed it. Some coverages are required by your state, while others are extra options you may want to expand your coverage.

How you’d like to customize your Car insurance depends on your needs, budget, and the amount of coverage you want. Get an Auto insurance quote or work with your local Farmers agent to choose the coverage combinations that provide the best Car insurance coverage at a price that fits your budget.

*According to a 2014 study by the Insurance Research Council (IRC).

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.

State farm comprehensive coverage policy

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State Farm Insurance - Denied coverage on comprehensive damage to vehicle sitting in policy-owner's driveway

Neighbor's irrigation well sprayed my vehicle and caused extensive chemical damage to paint and chrome due to acid pH sulfur & iron discoloration in the water.Contacted agent who said he had to call Atlanta to see if coverage applied.

He did, they agreed coverage applied & said take it to a State Farm provider for estimate of repair. I did that, provider said SF told them they had to "buff it out" & made a buffing quote of $614 after 2 other providers (one SF, one not) said it was chemical damage & required new paint & new chrome and their quotes ranged from $2000 to $4000. Finally got SF to send an adjuster to look at damage due to its uniqueness. In a few days the adjuster - not SF - calls to say coverage does not apply since damage did not occur "instantaneously".

I think this is a "loophole claim" on SF's part as I have had windshield glass damage to not occur instantaneously & they have covered that in the past.

My wife & I have had our home, 2 autos (4 at one point), & life insurance with SF for 47 years & over $100,000 in premiums , with no history of chronic,frequent, or improper claims to SF.Add to that we live in a state where there is ZERO consumer protection in state government and aggrieved parties are made to appeal to the very corporations who created a grievance in the first place.

This person wrote the review because of pricing issue of car damage coverage from State Farm Insurance. Reviewer claimed that he or she wants State Farm Insurance to read this review and look into the issue (if any).

If you have a chance, please immediately contact him/ her to briefly discuss his/ her negative experience with the company.

We collected other reviews about products and/or services offered by State Farm Insurance for you to read. This information may help you with your purchase decision.

State Farm car insurance comprehensive coverage: what you should know

Hail? Flood? Fire damage to your car? Consider adding State Farm car insurance comprehensive coverage

If you have State Farm car insurance, comprehensive coverage is an upgrade you may want to consider adding. It helps cover damages that liability insurance does not, and there are a few other things about it you should know.

Most states require drivers and car owners to carry liability insurance. Liability car insurance only covers the damage you cause to others in a collision. It does nothing to pay for any damage your car sustains, either in a collision or as a result of some other event. If you lease your vehicle or if your car is being financed through a car loan, there is a good chance that the terms and conditions of that loan or lease will require you to add protection in the form of collision coverage or comprehensive coverage, or both. For non-collision damage, you'll need auto insurance with comprehensive coverage.

With a comprehensive coverage upgrade to your car insurance, State Farm will help pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover. Typically, that's coverage for any of the following events:

With comprehensive coverage, you'll be eligible for State Farm’s car theft reimbursement, a program that reimburses you the market value of your vehicle if it's stolen. Depending on the state were you live and drive and some other details of your coverage plan, you may also be able to opt for a "vehicle replacement" feature that will pay for replacing your car with one of equal vintage and/or value, regardless of what the current market or cash or trade-in value of your car may be.

Get some free quotes on car insurance with added comprehensive coverage

Even when you experience vandalism or broken windshields, State Farm's comprehensive coverage will pay for repairs.

Because of the wide range of coverage offered, comprehensive can be an expensive addition to your car insurance policy. The cost is largely dependent on the total amount of coverage as well as the deductible you select. The total coverage amount should equal the market value of the car so that you'll be able to replace the vehicle if it suffers enough damage to be declared totaled (meaning that repairing the vehicle will cost more than it is currently worth) which would require you to file a totaled car claim. The more expensive your vehicle is, the more expensive your comprehensive coverage.

The deductible is the set amount of out-of-pocket expenses during the year you will be willing to pay before State Farm starts making payments on your claim(s). The higher the deductible, the less money State Farm has to pay for repairs, so by raising the deductible, you can lower the cost of coverage. Depending on the state where you live and drive, you can select from a pretty broad range of deductibles. State Farm offers car insurance comprehensive coverage with deductibles ranging from $0 to $1,500 (though in some states and under some circumstances, you can get a $2,000 deductible.)

State Farm is one of a handful of car insurance companies that allow you to add just collision or just comprehensive options (the majority of car insurance companies require you to combine the two) and this will give you a great deal more flexibility in considering whether to add comprehensive and to what level.

Do a quick comparison with these free coverage quotes

Before selecting a deductible, you should review your finances to ensure that you would be able to pay whatever level you set it in the event that your vehicle is damaged. You should also make certain that the deductible amount you choose is not higher than the actual value of the vehicle itself, negating any reason to carry comprehensive insurance in the first place.

You should also consder your inherent risk for events covered by comprehensive as an option. For example, do you live in an area prone to severe weather? Do you live where the auto theft rate is unusually high? Do you park you car in a driveway with older, taller trees? Does your daily commute put you at risk for flying rocks or even wild animals?

No state will legally require you to add comprehensive and unless you are contractually bound to do so, you may still be wondering if this add-on is worth it. If you live in an area high at risk for an event that would be covered by comprehensive, perhaps it would be wise to just add comprehensive (which you can do with State Farm). One simple formula for helping determine if a coverage option like this is of value is to add up the total of the anticipated increase in your premium for the time you expect to be driving the car, add to that the decutible you've set, and if the grand total exceeds the value of your car, perhaps it's not a wise choice to take on the added cost.

See all your car insurance options with State Farm, right here

Rates and recommended deductible levels can be influenced by where you live and it’s a good idea to speak with a local State Farm agent to get a full understanding of the car insurance options they have for you. Reply! can assist in this effort by connecting you with local car insurance professionals with the resources needed to get you the best possible coverage.

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