Coverages | Agribusiness | Agri-Auto Coverage General Summary

Customized Coverage

Rain and Hail provides protection for many different types of autos, from trucks to tractors, to passenger vehicles.

• Bodily Injury Liability
  Protection for damages that involve bodily injury to others for which you become responsible under law.
• Property Damage Liability
  Protection for damage to property of others for which you become responsible under law.
• Medical Payments
  Protection that pays reasonable medical and funeral services to or for those who sustain bodily injury caused by an “accident”.
• Uninsured Motorist Protection
  Coverage allowing you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.
• Underinsured Motorist Coverage
  Coverage allowing you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
• Hired Auto Liability Coverage
  Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.
• Hired Auto Physical Damage
  Provides coverage for an automobile of any type: hired, borrowed, or leased on a short-term basis for use in the insured’s business. May be insured for Comprehensive and Collision Coverages.
• Personal Injury Protection
  Provides coverage for injury, death, loss of services, and loss of income suffered by you, your covered passengers, or covered family members (for those who reside in states with no-fault insurance laws).
• Collision Protection
  Protects you from loss caused by damage to your auto by collision, subject to the deductible on the policy.
• Comprehensive Protection
  Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.

Additional Protection

Round out your protection with these optional coverages:

• Towing and labor costs coverage to pay for emergency repairs and/or towing when your vehicle breaks down.
• Rental reimbursement for the expense of renting a substitute vehicle when there is a loss to yours.

Other Coverages

Lay-Up Credit Program for seasonal farm trucks, one ton and over, including trailers.

Claims Services

Rain and Hail’s claims goal is to always provide the most prompt, professional and efficient claim service to each policyholder.

We offer a variety of tools to ease the claims process for our customers including:

• Express Claims offers the fastest turnaround and quickest payments through Internet filing.
• 24-hour service is available for escalated claims.

Technology

Rain and Hail understands that running a farm is a full-time business, so we offer a variety of online tools for both agents and policyholders to quickly quote and process
policies.

Premium Payment

Because we sincerely care about and value our customers, our goal is to ensure that all policyholders have the protection they need, at affordable prices.
We offer a variety of options for premium payment including a variety of flexible billing plans.

Getting Started

At Rain and Hail, we want to make the insurance approval process as quick and easy as possible.

Please contact your local Rain and Hail agent to receive a quote, submit an application, or request further information.