What's Covered by My State Farm Policy?

State Farm offers several coverage options to policyholders. The policyholder has the freedom to add and delete specific options to the policy. Collision coverage, comprehensive coverage, and liability insurance coverage are the most common options chosen by policyholders. Liability insurance coverage is mandated by law in most states. The policies generally cover personal injury expenses, property damages, and lost wages.

State Farm has been providing insurance services to policyholders all over America for almost 100 years. The company offers several auto insurance coverage options. Each coverage type covers different risks and comes with specific limits, conditions, and deductibles. An affiliated insurance agent or customer service representative can help you evaluate the different types of coverage and choose the best State Farm insurance coverage based on your insurance requirements. Its also critical to consider your budget.

Collision Injuries and Repair Costs

Policyholders benefit from the collision coverage option if the vehicle collides with another vehicle, another moving object, or static external objects like trees or structures. Collision coverage also covers accidents where the vehicle rolls over. The policy covers repair costs, maintenance costs, and part replacement costs. Extended collision coverage also applies to:

  1. Substitute cars
  2. Rented cars
  3. Newly acquired cars

Additionally, collision coverage is available for accidents where your vehicle collides with an obstruction on the road. The amount of coverage generally depends on the vehicle's cash value, and the coverage also requires a deductible. Details of coverage options are available on the company's official website.

Accidents Other Than Collision

Policyholders shopping for State Farm insurance coverage can opt for comprehensive coverage. Comprehensive coverage options cover all other damages other than collision damages. The policyholder can even use this option to replace a covered vehicle if such a vehicle was stolen. Besides glass claims and windshield coverage, comprehensive coverage also covers damages by fire, hail, wind, falling objects, and hitting an animal. Find out more about this coverage option by calling the company's support center. All contact details are available from the GetHuman directory. Comprehensive coverage is ideal for policyholders who own high-value vehicles and policyholders who live in a location vulnerable to frequent natural disasters.

Financial Losses of Other Parties Involved in the Accident

Liability coverage is mandatory in most states. If you are the at-fault driver in an accident, your liability insurance will help compensate the victim for personal injury expenses and property damages. The company offers bodily injury liability coverage and property damage coverage to policyholders. However, liability insurance coverage is limited to specific amounts. Policyholders who buy a policy with 100/300/100 liability limits, for example, will be covered for:

  1. $100,000 for individual personal injuries for each accident
  2. $300,000 for total accident coverage
  3. $100,000 for property damage for each accident

Car Rentals and Travel Expenses

This option covers the cost of the replacement vehicle when the policyholder's car is undergoing repairs. The State Farm travel expense coverage option covers the cost of lodging, meals, and transit if the policyholder is in an accident more than 50 miles from home.

Accidents Involving Uninsured or Underinsured Motorists

This State Farm insurance coverage option covers medical expenses if the at-fault driver is uninsured or does not have liability insurance coverage. Uninsured motor vehicle coverage also pays for lost wages and car repair costs.

Suppose the at-fault driver's liability insurance coverage is inadequate to cover your personal injury expenses, lost wages, or property damage. In that case, the underinsured motor vehicle coverage option can help compensate for the remaining costs.

Final Expenses

This option covers medical and funeral expenses if the policyholder is deceased in an accident.

Other Expenses

Other State Farm coverage options include emergency road service coverage and rideshare driver coverage.

Why Did GetHuman Write "What's Covered by My State Farm Policy?"?

After thousands of State Farm customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together What's Covered by My State Farm Policy? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting State Farm if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for State Farm Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like State Farm in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our What's Covered by My State Farm Policy? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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