What is liability insurance? Ever wonder what the numbers 25/50/25 mean? If you are at fault in an automobile accident and have 25/50/25 insurance liability limits, the policy can pay the other party up to: $25,000 per person for bodily injury $50,000 per accident for bodily injury $25,000 per accident for property damage

Although the State of Oklahoma only requires 25/50/25 liability limits, is that adequate protection? Have you priced cars lately or been in the hospital???? If you have, you know how expensive everything is today! If you are at-fault in a serious accident, will $25,000 be enough to pay for the other driver's hospital bills? What if there were three people in the other car and they are all injured severely? Will $50,000 cover all three hospital bills plus lost wages while they are unable to work? $25,000 won't replace the other guy's $40,000 car if it's a total loss. If you don't carry adequate liability limits, the rest of the damages must be paid out of your pocket. Can you afford that? Can you afford not to increase your limits to 50/100/50? Or better yet, to 100/300/100? This higher coverage is often only $10-$15 more per vehicle every six months. Choose an American Farmers & Ranchers Agent for more reasons to purchase adequate insurance protection today.

Automobile

Get the most out of your auto insurance premium. American Farmers & Ranchers Mutual Insurance Company has a Tiered Automobile Program which provides an array of options for your entire family at affordable rates.

Let one of our agents help you fill out an application today!

How safe is your car on the highway going 70 mph? For crash test results on your vehicle, go to the National Highway Traffic Safety Administration website.

Recreational Vehicles

We at AFRMIC are dedicated to taking care of most of your insurance needs. If you have another policy with us, we can also insure your motor home, travel trailer, boat or motorcycle.

Farm Liability

Do you own a tenant-occupied farm dwelling or lease some of your farm or ranch land to your neighbor to grow crops or raise cattle? You may need to protect yourself with a Farm Liability policy. You may still be responsible for accidents that occur on that property because you own it.

Umbrella

The liability portion of your personal insurance policies may not cover certain types of claims or may not provide enough coverage for your specific needs. If you feel you are underinsured, you may need to purchase excess liability coverage in the form of an Umbrella Policy. This type of policy will protect you over and above your underlying liability policies and provide you with additional coverage such as personal injury protection for libel, slander, invasion of privacy, humiliation, mental anguish and false arrest. We offer both a Personal Umbrella Policy and Farm & Ranch Umbrella Policy.

Links:

• National Highway Traffic Safety Administration