New Coverage Enhancements to Florida Farm Bureau’s Auto Policy at No Additional Charge |
Our personal auto policy provides three coverage enhancements at no additional charge.
The following are summaries of the actual coverage. See your policy for actual coverage provided.
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Identity Theft Resolution Services
• Included - ID Theft resolution services through National ID Recovery, LLC (NIDR) if policyholder’s identity is stolen. Covered
policyholders will be provided a personal advocate to assist in resolving an identity theft crisis.
• Optional - Upgraded ID monitoring and Identity Theft Expense Reimbursement Insurance ($10,000 Limit, No Deductible) can be
purchased from NIDR directly through a link after you log in to view your auto policy. Cost is $34.95/yr per family.
Report Identity Theft claims to the Florida Farm Bureau Toll Free - 24/7 Claims Reporting number - 866-275-7322.
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Pet Injury Coverage
• Applies on personal auto policies with collision coverage on at least one vehicle.
• Coverage limit is $500.
• Only covers dogs and cats owned by insured or family member.
• Covers reasonable vet fees if pet is injured in accident while in the vehicle.
• Covers replacement if pet dies in accident while in the vehicle.
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Transportation Expense Endorsement Enhancement
• Broadens current Extended Transportation Expense policy provision (Part D – Coverage for Damage to Your Auto)
• Must have Physical Damage coverage on the vehicle.
• Endorsement applies ONLY to the vehicle with the coverage.
• Covers "extra expenses" incurred when loss occurs more than 100 miles from home for insured, spouse, and
any family member.
o Extra Expense means additional expenses incurred due to the loss of use of the covered auto,
but not normal expenses that would have if travel had not been interrupted.
• Examples of Extra Expenses
o Commercial transportation fares to continue to destination
o Extra meals and lodging
• Coverage options (note: max limit will be used…daily limit does not apply to these broadened extra expenses)
o $20 day - $600 max (base policy amount)
o $30 day - $900 max
o $40 day - $1,200 max
o $50 day - $1,500 max
o NOTE: The daily limit STILL applies to rental car (temporary transportation) usage.
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