The flexibility of Farmers Union Insurance's Family Car Policy allows you to select from different coverages, limits and deductibles and thereby customize the policy to fit your needs and your budget.

Coverage includes:

Liability Coverage—Pays for damages (up to the liability limit chosen) for which an insured is legally liable because of bodily injury or property damage arising out of the ownership, maintenance or use of a car.

Uninsured Motorists Coverage—Pays for bodily injury damages (up to the liability limit chosen) which an insured is entitled to recover from an uninsured motorist.

Underinsured Motorists Coverage—Pays for bodily injury damages (up to the liability limit chosen) to an insured in excess of the amount available to pay the insured under the policy of an underinsured driver.

Personal Injury Protection (PIP)—Required in no-fault states, provides benefits to an insured for bodily injury caused by an accident involving the use of a motor vehicle (not including motor homes when used as residences). PIP benefits are provided whether or not the accident was the insured's fault.

Medical Payments Coverage—Pays for an insured's reasonable medical expenses (up to the liability limit chosen) for bodily injury. This coverage may not be offered in some no-fault states when Personal Injury Protection coverage provides medical coverage.

Comprehensive Coverage—Pays for the repair or replacement of a car when damaged by certain causes, such as fire, explosion, theft, windstorm, hail, flood or vandalism.

Collision Coverage—Pays for the repair or replacement of a car (up to actual cash value) in the event of its overturn or collision with another object.

Both Comprehensive and Collision Coverages may be purchased with a variety of deductibles. The deductible is the amount that the insured pays. Naturally, the higher the deductibles chosen, the lower the premiums.

Discounts and Special Rates

Depending in part on their availability in your state and required documentation, you may qualify for premium discounts and special rates. Ask you agent for further details.

Multi-Car Discount—Available to qualified policyholders who insure two or more cars.

Fleet Discount—Available to policyholders who insure five or more private passenger cars, pickups or farm trucks.

Good Student Discount—Available to unmarried operators under 25 years of age who are full-time high school or college students and who meet academic qualifications.

Defensive Driver Discount—Available on private passenger cars for policyholders age 55 or over who have successfully completed a motor vehicle accident prevention course and who are accident and violation free.

Air Bag/Automatic Restraint Discount—Available to policyholders whose cars are equipped with a factory-installed air bag or other restraint system that meets federal safety standards.

Age 50 & Over Discount—Available on private passenger cars and pickups when at least one driver is 50 years of age or older and no youthful operator drives the car.

Package Discount—Available for policyholders who also have their homes, farms or any of the various commercial property and liability exposures insured with Farmers Union Insurance.

Driver Training Discount—Available to drivers under 21 years of age who are residents of the household or who customarily operate the car and who have completed an acceptable driver education course.

Other Available Coverages

• Towing and Labor
• Rental Reimbursement
• CB Radios
• Stereo Tape and CD Players
• Accidental Death and Disability
• Claims

At the time of a loss, we at Farmers Union Insurance provide fast and friendly claims service.

Non-Standard Auto Program*

Unfortunately, at some point in a lifetime, the owner/operator of a motor vehicle may be involved in an accident(s) and/or be charged with a minor or major driving violation. Farmers Union Service Association has contracted with several major companies, such as Progressive, Dairyland and Orion Auto to solve the problem of securing automobile insurance until the owner/operator qualifies for the preferred auto program.

The Non-Standard Auto Programs provide policyholders with a choice of coverage limits, deductibles and payment plans.

Contact your local Farmers Union Insurance agent for details.

*Non-Standard Auto policies are not underwritten by Farmers Union Insurance.