Insurance 101


Related Information

  • Comprehensive and Collision

  • Comprehensive  
    Comprehensive coverage provides payment for loss or damage to the vehicle for causes other than Collision or upset. Glass breakage, falling objects, fire, theft, explosion, earthquake, missiles, windstorm, hail, water, flood, vandalism, riot and civil commotion, or colliding with a bird or animal are all covered perils.

    Comprehensive is an optional coverage available on the Farm Bureau Insurance Personal Automobile policy.

    Collision 
    Under Michigan No-Fault Law, the Insured is responsible for collision damage to his/her own auto, regardless of who caused the accident. Collision insurance is available in three forms:

    • Broadened Collision pays for direct and accidental loss or damage to the insured auto caused by collision with another object or by upset. This coverage is subject to a deductible, unless the damages to the insured auto are a result of a collision with another auto and provided that the operator of the insured auto is not substantially at fault in the accident. "Substantially at fault" means a person's action or inaction was more than 50% of the cause of the accident.
    • Regular Collision pays for accidental loss or damage to the insured auto that is caused by collision with another object or by upset. This coverage is subject to a deductible, regardless of fault.
    • Limited Collision pays for direct and accidental loss or damage to the insured auto caused by collision with another auto, only if the Insured is not substantially at fault in the accident from which the damage arose. A deductible is available.

    The collision deductible amount does not apply to loss caused by a collision with another auto insured by a Farm Bureau Insurance company.

    Also, a deductible does not apply to loss caused by collision with an uninsured motorist, provided all of the following conditions are met:

    • The Insured has Uninsured Motorist and Collision coverages.
    • The owner or operator of the uninsured auto has been identified.
    • The damages sustained exceed the deductible amount.
    • The owner or operator of the uninsured auto is legally liable for such damages.


    Collision is an optional coverage available on the Farm Bureau Insurance Family Automobile policy. 

    Your Farm Bureau Insurance agent will be happy to discuss your particular situation and help you determine the best protection.

     

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