American Family Auto Insurance Company of Arizona
The American Family Insurance Group began in Wisconsin when Herman Wittwer, an insurance salesman, used his knowledge and expertise to change Wisconsin’s insurance market. Wittwer realized that farmers were lower risk drivers than city drivers because farmers drove less and put their vehicles on blocks during the winter. This led Wittwer to start Farmers Mutual Automobile Insurance Company in October of 1927.
Throughout the growth of rural lands to metropolitan cities, customer needs began changing making the insurance company change too. In 1963 Farmers Mutual Automobile Insurance Company became American Family Mutual Insurance Company and started expanding across the nation.
Currently, American Family operates in 18 states, including Arizona. Arizona residents can benefit from coverage for cars and trucks, motorcycles, motor homes, boats and snowmobiles.
What Kind Of Coverage For Cars And Trucks Does
American Family Insurance Offer Arizona residents?
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Liability coverage offers compensation for covered damages up to policy limits if you are responsible for injury, death, or property damage. This includes bodily injury, other property damage like mailboxes, medical costs, court costs and other automobile damage.
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Comprehensive coverage ensures payment for accidental loss or damage from most causes (except collision) such as falling objects, theft or vandalism, fire, flood, and weather damage.
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Collision coverage is offered in case any damages occur from crashes with other cars, stationary objects, or while your car is parked. For an extra charge, you can expand coverage to include any custom equipment, campers, and camping equipment, CB radios, and car and cell phones.
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Medical costs incurred by car accidents will be covered up to the limits contained in the policy. This includes any medical services for you and other people in the vehicle in spite of fault for up to two years and funeral expenses. Medical costs will also be paid if you or any household relatives are riding in another vehicle and you get into an accident.
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Uninsured and Underinsured motorist coverage is available in case you or anyone else in your vehicle incur any bodily damages or death by an at-fault uninsured or underinsured vehicle.
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Additional overages are available such as emergency road service, auto rental reimbursement, accidental death and dismemberment, full glass breakage under comprehensive coverage.
What Kind Of Coverage Does American Family
Auto Insurance Offer To Motorcyclists?
There are two plans offered to Arizona motorcyclists. The basic plan provides collision and comprehensive coverage for your motorcycle’s frames, fork, instruments, lights, handlebars, motor, mirror, seat, and wheels, theft, weather damage, fire and vandalism.
The basic plus plan extends that coverage to also include the motorcycle’s saddle bags, custom chrome, windshield, highway bars, CD player and discs, custom paint, luggage rack, custom seat, extended fork, sissy bar, fairing, radio, tape player and tapes, trunk, trailer and side car.
Liability coverage in both plans covers defense costs, medical expenses and passenger liability. Uninsured and underinsured coverage can also be purchased.
How Will American Family Auto Insurance
Protect Your Motor Home?
Liability, comprehensive and collision overages are all offered for your motor home, in addition to other optional overages. A vacation expense allowance is given if you are on vacation and damage or destruction makes your camper uninhabitable. Personal Effects coverage is offered if personal property contained in the camper is lost or destroyed. Emergency roadside assistance coverage is offered in addition to discounts for air bag and defensive driving.
What Kind Of Coverage Does American Family
Auto Insurance Company Offer To Boat Owners?
All boats, whether on land or water can be covered. Your boat is covered against any losses resulting from theft, vandalism, weather damage, fire, explosion, collision with other boats or with objects like rocks or piers, or collision while transporting. Additional policy overages included are emergency services like towing, protective services and recovery. Optional overages include repair cost coverage, additional boating equipment coverage for those items not installed by the manufacturer, personal effects and agreed value and underinsured coverage.
What Are The American Family Auto Insurance
Coverage Details For Snowmobiles?
You can choose from several different overages for your snowmobile, including a broad package of overages or individual overages. A package will ensure coverage for bodily injury and property damage liability, which covers bodily injury, damage to other snowmobiles, other property damage and medical costs. Collision coverage will protect you from loss or harm from collisions with other snowmobiles, collisions with stationary objects like trees and any damage that may occur to your trailer and provides protection in the event that you are victim of a hit and run. Comprehensive coverage will protect in case of a fire, theft, vandalism or if an object falls on your snowmobile.
Medical expense coverage will cover costs of any medical expenses in the event of an injury or death including hospital and ambulance charges, as well as funeral expenses. You can choose from a range of limits from $1,000 to $5,000. Uninsured and underinsured motorist coverage will pay the lawfully collectible costs if you or anyone else riding your snowmobile is killed or injured by an uninsured or underinsured motorist.
If you buy comprehensive and collision coverage you will also get coverage for your snowmobile trailer and accessories that are used only with your snowmobile including sleds, fuel containers and fire extinguishers. All physical damage is subject to a deductible, which you can choose. Deductible amounts you can choose from are $50, $100, $250 and $500.
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