Farm Bureau Mutual Group Car Insurance

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Last updated June 30, 2009

About Farm Bureau Mutual Group

Through an exclusive, multi-state agent force, the companies affiliated with the Farm Bureau Financial Services brand underwrite, market and distribute a broad range of financial services products, including life insurance, investments, annuities, as well as property-casualty insurance and services to individuals and small businesses in 15 states.

Farm Bureau Mutual Says

Personal auto insurance provides coverage for liability and physical damage, along with uninsured and underinsured motorist and medical or no-fault coverage (depending on state laws) for customers and their family members, should they experience a covered loss.

• Bodily injury liability, in case someone is injured or dies as a result of an accident involving the insured’s vehicle. Liability insurance can help cover resulting lawsuits and help offset financial effects in the future.
• Property damage liability covers damage to the property of others.
• Collision coverage
• Comprehensive physical damage coverage pays for vehicle damage due to causes other than collision, such as fire, theft, wind, hail, vandalism, larceny, explosion, animal collision, falling objects, and riot or civil commotion.
• Replacement cost coverage is available for an additional premium on cars less than three years old. In the event of a total loss, the damaged car will be replaced with a new vehicle of the same or similar model.
• Medical or no-fault coverage, varying by state.
• Uninsured and underinsured coverage, for bodily injury caused by other drivers without adequate auto insurance.
• Auto death indemnity coverage pays a selected amount when the insured’s death is caused directly by an accident while occupying or being struck by a land motor vehicle or trailer.

Added coverage with no added cost:

• Farm Bureau vehicle insurance policies automatically include toppers, slide-in campers and/or trailers as extensions of the covered vehicle. In the case of a stolen vehicle, policies cover transportation costs and coverage for clothes and luggage up to $200.

Optional coverages available at an additional cost:

• Emergency Roadside Assistance protection covers towing expenses and mechanical labor to get a disabled car back on the road.
• Rental reimbursement pays for car rental or public transportation while the insured’s car is being repaired due to a covered loss. Motor home rental reimbursement coverage is also available.
• Trailer personal effects coverage pays for damage or loss of  personal belongings in a travel trailer or camping trailer

Contact Farm Bureau Mutual at:
Farm Bureau Mutual Group
5400 University Avenue
West Des Moines, IA 50266-5997 
Telephone (515) 225-5400

Sources: Farm Bureau Financial Services press release, June 26, 2009; “Vehicle Insurance Coverages”, Farm Bureau Financial Services Web site.

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