If I rent a vehicle or motorhome, do I need to
buy the rental company insurance?
Our policy automatically covers rental vehicles
for temporary use by the named insured or family member who is a resident of the
insured's household. Rental companies offer a deductible buy-back option. You
do not need to buy this coverage if you have coverage for collision and other
than collision (comprehensive) under your policy and are not concerned about the
deductibles which would apply (the same deductibles you carry on the vehicle you
insure with us will apply to this rented vehicle). This automatic coverage applies
only to private passenger vehicles. U-Hauls, motor homes and business vehicles
are not covered by our policy. Utility and recreational trailers are limited to
$2500 coverage. You should buy the rental company's coverage on those vehicles
not covered by our policy. Check with your agent
for specifics.
If my car breaks down, will Farm Bureau pay for
me to have it towed?
We will pay for towing if you have the optional
coverage Emergency Road Service. This coverage pays for reasonable expenses for
towing and labor costs (if the labor is done at the place of disablement) for
the covered auto. Contact your agent to purchase
this coverage.
What do I do if I experience a theft loss?
What to do if you experience a theft loss:
- Notify the police
- Notify credit card or fund transfer card company
in case of loss of a credit card
- Notify us (or your agent)
as soon as practicable (report a claim).
What do I do if I have an automobile accident?
What to do in case of an automobile accident:
- Call the police
- Determine if anyone is injured and get their names
if possible
- Obtain the name, address, license plate number,
and name of the insurance company of other drivers involved
- If possible, write down the names and addresses
of any witnesses
- DO NOT admit being "at fault" or discuss
your insurance coverage
- Notify us (or your agent)
as soon as practicable (report a claim)
What do I do if I have fire, smoke, water, or storm
damage to my home?
What to do in case of fire, smoke, water, or storm
damage to your home:
- Protect your property and belongings from further
damage
- Make reasonable and necessary repairs to protect
the property
- Keep an accurate record of repair expenses
- Notify us (or your agent)
as soon as practicable (report a claim)
What do I do if I have vandalism or other property
damage to my home?
What to do in case of vandalism or other property
damage:
Will insurance pay for trees that are blown down
in my yard?
Your property policy for your home or farm will NOT cover a tree if it is blown
down in your yard. You have coverage for the tree for fire, lightning damage,
or vandalism, but not for wind.
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