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Auto Insurance

At Horn & Co. Insurance Services, we'll personally review your auto policy and help you identify any potential overlaps or gaps in your coverage. We'll also identify any discounts you may qualify for. It's all part of the professional, personalized service offered by Horn & Co. Insurance Services.


Bodily Injury and Property Damage Liability
This coverage pays for bodily injuries to other people or damage to their property if you are liable. It also pays whether your car is driven by you, a qualified family member, or other driver using your car with your permission. In most cases, you are even covered in a car you borrow or rent temporarily. Your select the monetary limits of your policy.


Uninsured and Underinsured Motorist*
This coverage pays for bodily injuries or damage to your property caused by an uninsured motorist or a hit-and-run driver, if that driver is liable. It covers you, qualified family members and any other person occupying your auto. Your coverage will pay up to the limits that you and you select. Your Farmers policy will also pay for bodily injuries caused by a motorist whose insurance is not adequate to pay for the injuries if that driver is liable. Like your uninsured motorist coverage, it covers you, qualified family members and any other person occupying your auto. You'll be paid up to the limit you select, less the amount paid by the other party.

*Mandatory unless rejected in writing, either in its entirety or Property Damage only.


Medical Payment
Farmers Medical Payment option pays for reasonable medical and funeral expenses arising from an auto accident, regardless of fault, for you, qualified family members or passengers up to your policy limit. Our Medical Payment option also pays such expenses for you and qualified family members while in a non-owned car or if hit by a car as well as funeral expenses, up to a specified amount.


Comprehensive
With Comprehensive coverage, damage to your car will be paid except when it is caused by collision or upset. Coverage includes damage from such causes as fire, vandalism, windstorm, falling objects, animals, water, or flood. If you car is stolen, it pays up to $15 a day, but no more than $450 total, for transportation costs starting 48 hours after notifying us and the police.

Collision
All accidental damage to your car by Collision with any object or by upset is covered with collision. Coverage includes up to $200 for damage to your clothing or luggage while in the car. It pays up to the actual cash value of your vehicle, less the deductible you select.

Additional Liability
Any expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees, will be paid.

The liability coverage also pays expenses you incur at the companys insurance request, including up to $50 a day for actual loss of wages. It also pays the premium on appeal bonds, bonds to release attachments, and up to $300 for the cost of bail bonds.

Emergency First Aid
The expenses you incur for necessary medical and surgical aid to other people at the time of an accident in which you’re involved will be paid with this coverage.

Towing and Labor Costs (Optional Coverage)
With just one toll-free call, Service Representatives across the United States and Canada will help get you back on the road quickly and safely. You can just sign for reasonable and necessary services up to $150 – no need for cash, check or credit card. (Charges over $150 should be submitted to your agent for reimbursement.)

Loss of Use (Optional Coverage)
With this option, we’ll pay up to $50 a day, up to $1000 total, while your car is being repaired for collision damage or comprehensive loss in excess of your deductible, depending on the plan you select. If your car is a total loss due to a Collision or Comprehensive loss, we’ll pay up to $1,000, depending on the plan you select.

Death and Dismemberment (Optional Coverage)
This coverage pays benefits to you and other family members residing in your household for death or certain injuries sustained in an auto accident, regardless of fault. Payments are made according to a fixed schedule up to the limit you select for you and your spouse. The limit for other qualified family members is $5,000.

Auto Loan/ Lease Coverage (Optional Coverage)
This coverage pays the additional cost of terminating a loan or lease on your vehicle in the event of a total loss, up to 25 percent of the Actual Cash Value of the vehicle at the time of the loss.

Trailers
Secure protection against liability claims while towing a trailer designed for use with a private passenger car.

Rating Plans
You may qualify for one of our special rating plans, designed to reward you for your years of safe driving experience. Ask us how you can save.

Policy Discounts
Discounts such as Good Driver, Passive Restraint, Good Student, Two or more Auto’s, Anti-lock Brake, Occupational Groups, Anti-Theft, Auto/Home, Auto/Renter and Driver Training may be available. Ask us for more details.

Occupational Discounts
Horn & Co. Insurance Services offers a special preferred rate on Auto Insurance for specific Business and Professional Groups. Receive up to an additional 15% discount for being in one of the following groups:


Group 1 – 15% discount

Group 2 – 10% discount

Accountants (CPA)

Firefighters

Dentists

Lawyers

Teachers

Judges

Professors

Police Officers

Engineers

Law Enforcement

Physicians

Real Estate Agents

Surgeons

Aviation Professionals

Scientists

FIG Federal Credit Union

Computer Scientists

Architects

Registered Nurses

Farmers Work Comp Policyholders

Veterinarians

Farmers Business Policyholders

* Please note that to receive the above discounts, proof of occupation through degrees, or other certification transcripts must be submitted to Farmers Insurance. These discounts are not available with Motorcycles, or other Recreational Vehicles.




Contact us for more information on Automobile Insurance, or submit a quote request today.

This is a general description of coverage and is not a policy contract. The policy itself should be read for your coverages and exclusions. Insurance coverage underwritten by Farmers Insurance Group of Companies.