Established in 1922 by retired farmer and insurance salesman G.J. Mecherle, State Farm has grown to become the largest home and auto insurer in the United States, and one of the most prevalent carriers in Canada. Founded as an auto insurance company with a single line of business, State Farm now provides a selection of almost 100 various policies and services across five different markets. Offering banking services, financial planning, and multiple insurance policies, they are a mutual company owned by their policyholders.
Known for maintaining an outstanding customer service record, State Farm received an excellent review from auto insurance policyholders in 2013, as recorded by J.D. Power and Associates. Customers gave the company ratings of 4/5 for overall satisfaction, 5/5 for policy offerings, 3/5 for customer service, 4/5 for billing and payment, and 5/5 for contacting insurers. State Farm also hold an A++ (Superior) rating from A.M. Best for financial strength.
Auto Insurance Options from State Farm
Mandatory in every state, liability pays for the damages caused to others by your vehicle in an accident. If someone in the other car has been injured or wants to visit the emergency room just in case, the bodily injury portion of your liability insurance will pay for their medical care. In the event that you drive into a fence, property damage liability will pay for repairs. Bodily injury coverage also pays for pain and suffering, lost wages from missing workdays, and if you get sued, legal expenses.
Medical Payments Coverage
If you are injured in an accident caused by another driver, medical payments covers the cost of your own doctor and hospital expenses afterwards. Accident supplement plans through your health insurance company may cover such expenses, but if you do not have one of these plans or your healthcare coverage is limited you may consider additional protection. There are no deductibles or copays for a MedPay plan, therefore State Farm pays what you need as soon as you need it for qualifying expenses.
Liability doesn’t cover your own vehicle, so if you want to make sure any damage gets properly patched up following an accident, collision can greatly help. Collision covers damage to an insured car subject to a deductible when it comes in contact with another car or object, or rolls over.
Extreme weather happens unpredictably, and hail is a major cause of vehicle damage, cracking windshields and denting roofs. In addition to hail stones, comprehensive pays for damage from fire, heavy wind, flooding, theft, vandalism, hitting an animal, and some more irregular circumstances, as well. Your coverage may be subject to a deductible, but once it is met, your plan will pay for repairs.
Uninsured Motor Vehicle Coverage
Although it’s illegal across the United States, there are many drivers on the roads without a liability insurance policy. If you get hit by one of these people, you’re stuck paying out-of-pocket for all the damages to yourself and your car. Uninsured motorist coverage protects you by paying a portion of your medical bills, lost wages, pain and suffering (as their would-be liability coverage would) if you’re not at fault for an incident with an uninsured driver.
Underinsured Motor Vehicle Coverage
Some drivers have insurance but only carry the bare minimum, sometimes less. If their remaining coverage is unable to pay for your medical expenses, lost wages, and pain and suffering, underinsured motor vehicle insurance will cover what the at-fault driver’s policy cannot.
Emergency Road Service
Running out of gas, getting a flat, a sudden cloud of smoke coming from under the hood – at least you won’t have to worry about the cost of towing or a jump start with emergency road coverage. If your battery dies, you get locked out of your car, or anything else happens, State Farm will cover the costs of sending assistance in order to help you get back on the road.
Rental Reimbursment Coverage
Renting a car when yours is getting worked on after an accident is a necessary expense, but it would be preferable if your insurance paid for it. This type of insurance allows you to replace your vehicle temporarily in order to get you where you need to go without difficulty.
For a State Farm quote in your area, and to compare their rates with others in your state, visit East Coast Auto Insurance or call 888 206 0565 to speak with an agent.