ComprehensivePays for loss to your car
except by collision
Includes breakage of glass and loss caused by:
• Missiles• Falling objects• Fire• Theft or larceny• Explosion
• Earthquake• Windstorm• Hail• Water• Flood• Malicious mischief or
vandalism• Riot or civil commotion• Hitting or being hit by bird or
animal
Comprehensive - Example
Someone scratches the paint on your car with a tool. It costs $2500 to sand and paint your car to repair the damage.
Comprehensive -Transportation Costs
Provides up to $25 per day in transportation costs if your car is stolen starting when you report the loss and ending when they offer to pay the loss
Comprehensive -Transportation Costs - Example
Your car is stolen. You immediately report the loss and rent a replacement for $20 per day. Six days later State Farm settles your claim.
Collision
Pays for loss to your car caused by collision but only for the amount of each such loss in excess of the deductible.
Collision - Example
Your car is parked at Marketplace Mall while you are shopping. When you return to your car, the rear fender is smashed. You can’t find out who ran into your car. It costs $700 to repair the damage.
Clothes and Luggage - Comprehensive and Collision
Pays up to $200 in excess of the deductible for loss to your clothes and luggage if they were in the car at the time of the loss.
Clothes and Luggage - Comprehensive
Loss must be caused by:• Fire• Lightning• Flood• Falling objects• Explosion• Earthquake• Theft of the entire car
Clothes and Luggage - Example
You decide to drive to Indianapolis for the weekend. While your car is parked at the Speedway, someone breaks into your car and steals your luggage, which contained your clothes. The luggage was worth $100 and the clothes were worth $200.
Limits of Liability - Comprehensive and Collision
The limit of liability is the lower of:
• actual cash value
• the cost of repair or replacement
Emergency Road Service
Pays the cost you incur for:• up to 1 hour of labor costs at site of
breakdown• towing to nearest repair location• towing out if stuck on or next to public
highway• delivery of gas, oil, loaned battery or change
of tire - does not pay for the cost of these items
Emergency Road Service - Example
While driving you get a flat tire. When you discover you don’t have a spare, you call a service station for help. They bring you a new tire and put it on your car. They charge $100 for the new tire and $25 for changing your tire.
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