Family Emergency Plan
- Identify an out-of town contact. It may be easier to make a long-distance phone call than to call across town, so an out-of-town contact may be in a better position to communicate among separated family members.
- Be sure every member of your family knows the phone number and has a cell phone, coins, or a prepaid phone card to call the emergency contact. If you have a cell phone, program that person(s) as “ICE” (In Case of Emergency) in your phone. If you are in an accident, emergency personnel will often check your ICE listings in order to get a hold of someone you know. Make sure to tell your family and friends that you’ve listed them as emergency contacts.
- Teach family members how to use text messaging (also known as SMS or Short Message Service). Text messages can often get around network disruptions when a phone call might not be able to get through.
- Subscribe to alert services. Many communities now have systems that will send instant text alerts or e-mails to let you know about bad weather, road closings, local emergencies, etc. Sign up by visiting your local Office of Emergency Management web site.
Planning to Stay or Go
Depending on your circumstances and the nature of the emergency, the first important decision is whether you stay where you are or evacuate. You should understand and plan for both possibilities. Use common sense and available information, including what you are learning here, to determine if there is an immediate danger. In any emergency, local authorities may or may not immediately be able to provide information on what is happening and what you should do. However, you should watch TV, listen to the radio or check the Internet often for information or official instruction as it becomes available. Further information on staying put or sheltering in place.
Emergency Plans
You may also want to inquire about emergency plans at places where your family spends time: work, daycare and school. If no plans exist, consider volunteering to help create one. Talk to your neighbors about how you can work together in the event of an emergency. You will be better prepared to safely reunite your family and loved ones during an emergency if you think ahead and communicate with others in advance. Read more: School and Workplace.
–from http://ready.gov
| Policy Section |
Coverage Provided |
Key Exclusions |
Additional |
Part I — Liability
- Coverage A – Bodily Injury
- Coverage B – Property Damage
|
Coverage A and B — Pays for damages which any insured person is legally liable because of bodily injury to any person and property damage arising out of the ownership, maintenance, or use of a covered vehicle or trailer. Also pays to defend any claim or lawsuit asking for these damages. |
Carrying people or property for a charge; intentional acts; Certain business pursuits; Contractual agreements and Punitive damages |
Costs we incur for settlement; Emergency first aid to others; Bail bonds and Wages lost to attend trials. |
Part II — Uninsured/Underinsured Motorist
- Coverage C – Uninsured/Underinsured
|
Coverage C —Pays all sums of a covered person is legally entitled to collect as damages from the owner or operator of an uninsured or underinsured motor vehicle because of bodily injury actually sustained. |
Punitive damages or the cost of defense related to punitive damages; bodily injury sustained when the insured is occupying an owned vehicle not insured on the policy; bodily injury sustained when occupying the insured car while it is used to carry people or property for a charge. |
None. |
|
Coverage D – Pays benefits for bodily injury to a covered person caused by an accident arising out of the operation of a motor vehicle. The specific coverage varies by state.
Coverage E – Pays for reasonable costs for necessary medical services because of bodily injury sustained by a covered person. |
Please see your state’s policy as these vary. |
None. |
Part IV – Damage to your Car
- Coverage F – Comprehensive (CCD)
- Coverage G – Collision
- Coverage H – Towing
- Key Optional Coverages – depending on the state:
- Loss of Use (Coverage K) or
- Rental Reimbursement
- Farmers Flex
|
Coverage F – Pays for loss to covered vehicle caused by accidental means, except collision, and other losses specifically excluded.
Coverage G – Pays for loss to covered vehicle caused by collision except for losses specifically excluded.
Coverage H – Pays towing and labor costs incurred because of disablement of covered vehicle.
Key Optional Coverages:
1. Coverage K Loss of Use – Several options: K1-K5; K1, K4 and K5 differ by limits of how much we will pay when the covered vehicle is in the shop for repairs.
2. Rental Reimbursemenet –reimburses up to daily rental limit for covered loss that exceeds deductible.
Farmers Flex Plus
Accident forgiveness – This coverage forgives one accident in three years.
New Car Pledge:
- J6470 – Total loss settlement will be based on cost to resplace covered vehicle with a new and unused replacement of the same model. Coverage is available for 2 years and 24,000 miles from the purchase date. Coverage is capped at 110% of original purchased price.
- J6469 – Provides for IEM parts in the repair of a covered vehicle.
|
Wear and tear; Carrying people or property for a charge; War; Theft of sound equipment not a part of the vehicle and their accessories; Racing contests; Radar detectors; Specified vehicle modifications and Intentional acts. |
Transportation expenses (if covered for Comprehensive pay up to $15 per day for incurred transportation expenses due to the total theft of covered vehicle.
Clothing or luggage for collision and specified comp losses (up to $200). |
your personal agent for insurance and more
