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  Commonly Asked Questions about Auto Insurance
  What if I'm Involved in an Auto Accident?
  How do I read my Auto Insurance Policy?
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Farm Bureau Insurance®*  |  Insurance Products  |  Auto Insurance
How do I read my auto insurance policy?
Your policy is a legal contract, so at first glance it can seem confusing. But, if you know what to look for and where to find it, your policy becomes a lot easier to understand. Each auto and homeowners insurance policy has three standard parts:


Declarations Page
This is where you’ll find your name, a statement of the policy period during which you are covered and the amount of premium you pay. The "dec" page also includes a description of the insurance coverage provided and gives the maximum dollar limit the insurer will pay for a claim under each coverage.


Insuring Agreement
This is the main part of the policy. It describes what the insurance company will do in exchange for the premium you’re paying. The insuring agreement will also say who is covered: The persons named as insureds on the declarations page, residents of the same household and persons using the car with the permission of the insured. Everything is spelled out specifically in an attempt to avoid misunderstanding. Read the definitions section and the list of exclusions that apply to each coverage. Its vital that you know what you are covered for and what you are not covered for when you need to use your coverage!


Conditions of the policy

This last section describes your responsibilities when you have a claim, for example how much time you have to report it and what documentation you must give to the insurance company. It also explains the terms for canceling your policy—both for you and the insurer. You can cancel your policy at any time, however your insurance provider may only cancel under certain conditions and with advance notice to you.


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My Account

Your My Account profile will allow you pay your bills online, report a claim, and view your billing summary for all eligible policies.

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Your My Account profile will allow you pay your bills online, report a claim, and view your billing summary for all eligible policies.

If you need assistance or have questions about this feature, please contact our Customer Support Department.

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Report a Claim
Our Claims Department is one of the best in the state. Ready and eager to get you back on track after an accident.

Please contact the Customer Support Department for immediate assistance.

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Learn more about how to report a claim.
 
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