CFM Home + Auto = A winning combo! You asked, we listened - CFM now offers auto coverage exclusively for our Missouri policyholders that have their home insurance with us. This means you can now conveniently package your home and auto with one carrier - your favorite local Mutual insurance company! We promise to protect your vehicle - and the precious cargo inside - with the same level of care we have for your home over the last 151 years.
Do You Qualify For CFM Auto?
To switch your auto insurance over to the CFM Policy Family, consider these two primary eligibility requirements:
- You must have a current CFM Insurance Home, Farm, or Renters policy or plan to move your property to CFM in the next 3-6 months.
- You have had continuous auto insurance coverage for the last six months and have few, if any, minor tickets on your record.
Get To Know CFM Auto: Coverage Basics
We are proud to offer our customers a premium auto product designed to protect them against just about anything. From accidents and windshield damage to lawsuits and more, we have affordable coverage options to keep you and your ride safe wherever the road takes you. Here's a closer look at what our new auto product includes.
Collision - Pays for damage to your vehicle due to upset, overturn, or impact with another car or object. This portion of your auto policy covers you regardless of fault and also includes a deductible.
Comprehensive Insurance - Pays to repair or replace your car if it is damaged or destroyed in an event that isn’t a collision. This includes things like theft, vandalism, fire, natural disasters (like tornadoes and floods), falling objects (like hail or a tree falling on your car), and contact with an animal. Your deductible will apply, should you need to use this portion of your coverage in a claim scenario.
Liability Insurance - This coverage compensates for the expenses incurred when another driver is injured or property is damaged due to your actions in an auto accident.
- Bodily Injury liability coverage compensates the other party for medical expenses and those expenses associated with an injury claim. Uninsured/underinsured bodily injury covers you and your passengers (up to your policy's limits) if you're injured in an accident, and the at-fault driver has no insurance or not enough insurance.
- Property Damage liability pays to repair or replace the other person’s property/auto. Uninsured/underinsured property damage pays to repair or replace your vehicle (up to your policy's limits) if you're hit by a driver with not enough insurance or none at all.
As mentioned above, liability insurance covers your legal liability when injuries or property damage happen as a result of your actions. The minimum limits of liability required by the state are $25,000 per person/$50,000 per accident for bodily injury to others and $25,000 for property damage. You will often see the state minimum limits referred to as 25/50/25.
Medical expenses and the cost of vehicles are on the rise, and it is possible that if you are involved in an auto accident, medical expenses and vehicle repair costs could exceed the minimum liability limits. It's best to review available coverages with your local CFM agent to ensure that you and your assets are protected to your satisfaction.
Roadside Assistance - Coverage of $100 per incident is available if the phone number used for Roadside is called at the time of your emergency. This service includes towing, battery jump-start, gas delivery of up to two gallons, flat tire change, and locksmith service if you lock your keys inside your vehicle.
How Does An Auto Insurance Deductible Work?
Your deductible is the amount that must be paid out of pocket by you for covered losses before the insurance company pays a claim. Your comprehensive coverage has a separate deductible from your collision coverage that you determine. Keep in mind that choosing a higher deductible may save you money upfront on your premium, but could cost you more out of pocket in the long run if you suffer a loss. Your CFM agent can explain further and help you determine a deductible amount that works for you.
Ready To Give CFM Auto The Green Light?
Reach out to a trusted local CFM agent today and find out if the latest addition to our product lineup is right for you. Don't forget to ask about our one-of-a-kind discounts, including our new Multi-Policy Discount.