Pdf auto insurance new policy nevada division of insurance

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Title: Farmers Auto
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JOSEPH PALMER
10725 DOUBLE R BLVD B
RENO, NV 89521
Auto Insurance New Policy
Your Farmers Policy
Policy Number: 19551-22-82
CCOOLLTTOONN LLOOVVEE Effective: 10/17/2016 12:01 AM
1188227722 LLAAKKEE HHIILLLLSS CCTT Expiration: 4/17/2017 12:01 AM
RREENNOO NNVV 8899550088--66000000
Your Farmers Agent
Joseph Palmer
10725 Double R Blvd B
10/26/2016 Reno, NV 89521
(775) 824-0700
Dear Colton Love, jpalmer@
Thank you for choosing Farmers Insurance for your auto insurance needs. To file a claim call
Enclosed are some important documents for your new policy. Please take some time and 1-800-435-7764
carefully review this information, which includes:
? ID cards Did you know?
? Declaration page - a summary of your insurance coverages, limits, and deductibles
? Your insurance policy form and endorsements Manage Your Policy Online
A summary of your premium information is shown below. Log on to to pay your
bill, get insurance ID cards, view
Premium at-a-glance policy documents, and more! Plus,
access your account anytime using
Policy Premium $974.30 the Farmers Mobile App!
Go Paperless
This is not a bill. Save stamps, time and trees....Go
Your bill with the amount due will be mailed separately. Paperless! You can choose to
receive your Farmers policy
If you have any questions or would like to learn more about our other insurance products documents and/or billing statement
and services, please contact your agent. electronically. Enroll at
and choose the paperless options!
We appreciate your business.
Sincerely,
Farmers Insurance Group?

25-8164 1-14
#
Evidence of Motor Vehicle Liability
Insurance State of Nevada
Named Colton Love
Insured(s): Policy Number:195512282
18272 Lake Hills Ct Effective: 10/17/2016
Reno, NV 89508-6000 Expiration: 4/17/2017
Vehicle: 2004 Chevrolet Truck Slvrdo NAIC Number:21652
1500 Pu Ext Cab 4W Your Agent: Joseph Palmer
VIN: 1GCEK19T64E113284 10725 Double R Blvd B
Registered Colton Love Reno, NV 89521
Owner(s): Agent Phone: (775) 824-0700
Farmers Insurance Exchange, 6301 Owensmouth Ave., Woodland Hills,
CA 91367, certifies that it is licensed by the Division of Insurance of the Department of Business
and Industry and is approved to do business in this State and that it has issued a policy of motor vehicle
liability insurance for the indicated motor vehicle(s) with coverage and coverage limits no less than
required by the Motor Vehicle Insurance and Financial Responsibility Act. N.R.S. 485.185.
This card has been approved by the Nevada Commissioner of Insurance
THIS EVIDENCE OF INSURANCE MUST BE CARRIED IN THE INSURED MOTOR VEHICLE FOR
# PRODUCTION UPON DEMAND.
#
#
#
#
#
#
#
Coverage under the policy noted on the face of this card meets the
requirements set forth in NRS 485.185.
WHAT TO DO IN CASE OF AN ACCIDENT:
Contact Farmers Claim Department
Call us 24-hours a day at (800) 435-7764
Para Espa?ol, llame al (877) 732-5266
Obtain the following information:
1. Name, address, and phone number of each driver, passenger and witness.
2. Driver's license number, vehicle description and license plate numbers.
3. Vehicle damage and accident scene photos.
4. Name of Insurance company and policy number for each vehicle.
5. Report the accident to the proper authorities.
6. Do not admit fault -- an investigation may later reveal you were not
responsible for the accident.
Visit to learn more about claim self-service options. It's
quick, convenient and always open!
# See policy for actual coverage language. 25-9015 2-16
#
#
#
#
#
#
Auto Insurance Declaration Page
Policy Number: 19551-22-82 Premiums
Effective: 10/17/2016 12:01 AM Policy Premium $974.30
Expiration: 4/17/2017 12:01 AM
Named Insured(s): Colton Love This is not a bill.
18272 Lake Hills Ct Your bill with the amount due will be mailed separately.
Reno, NV 89508-6000
scott.love@
Underwritten By: Farmers Insurance Exchange
6301 Owensmouth Ave.
Woodland Hills, CA 91367
Household Drivers
Name Driver Status
Colton Love Covered
Vehicle Information
Veh. # Year/Make/Model/VIN Coverage Deductible Limit
1 2004 Chevrolet Truck Slvrdo 1500 Pu Ext Cab 4W Comprehensive: Not Covered
1GCEK19T64E113284 Collision: Not Covered
Vehicle Level Coverage Items
Coverage (
Limits Premiums by Vehicle
applicable to all vehicles) Vehicle 1
Bodily Injury Liability $15,000 each person $610.00
$30,000 each accident
Property Damage Liability $10,000 each accident $274.80
Medical Coverage $1,000 each person $35.40
Comprehensive Not Covered
Collision Not Covered
Towing and Road Service $150 each accident $7.40
Policy Level Coverage Items
Limits
Coverage (for all vehicles) Per Policy
Uninsured Motorist $15,000 each person $46.70
Bodily Injury $30,000 each accident
Policy Premium $974.30
Policy No. 19551-22-82 Questions? Manage your account:
Call your agent Joseph Palmer at (775) Go to to access
824-0700 or email your account any time!
jpalmer@
56-6176 1st Edition 4-15 10/26/2016 Page 1 of 2
Declaration Page (continued)
Discounts
Discount Type Applies to Vehicle(s) Discount Type Applies to Vehicle(s)
EFT 1 On-Your-Own 1
Good Payer 1 Safe Driver 1
Safety Feature 1
Policy and Endorsements
This section lists the policy form number and any applicable endorsements that make up your insurance contract. Any endorsements
that you have purchased to extend coverage on your policy are also listed in the coverages section of this declarations document:
56-5658 1st ed.; 25-2480 6-12
Other Information
? Go Green by logging onto or contacting your Farmers Agent.
? Farmers Friendly Reviews are a great way to make sure you are receiving all the discounts for which you qualify, and identify any
potential gaps in coverage. Contact your agent to learn more about the policy discounts, coverage options, and other product
offerings that may be available to you.
*Information on Additional Fees
The "Fees" stated in the "Premium/Fees" section on the front apply on a per-policy, not an account basis. The following additional fees
also apply:
1. Service Charge per installment (In consideration of our 2. Late Fee: $10.00 (applied per account)
agreement to allow you to pay in installments): 3. Returned Payment Charge: $25.00 (applied per check,
- For Recurring Electronic Funds Transfer (EFT) and fully electronic transaction, or other remittance which is not
enrolled online billing (paperless): $0.00 (applied per honored by your financial institution for any reason including
account) but not limited to insufficient funds or a closed account)
- For other Recurring EFT plans: $2.00 (applied per account)
- For all other payment plans: $5.00 (applied per account) 4. Reinstatement Fee: $25.00 (applied per policy)
If this account is for more than one policy, changes in these fees are One or more of the fees or charges described above may be
not effective until the revised fee information is provided for each deemed a part of premium under applicable state law.
policy.
Countersignature
Authorized Representative
Policy No. 19551-22-82 Questions? Manage your account:
Call your agent Joseph Palmer at (775) Go to to access
824-0700 or email your account any time!
jpalmer@
56-6176 1st Edition 4-15 Page 2 of 2
Personal Auto Policy
Index
Insuring Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 C. Supplementary Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
D. Exclusions - What is Not Insured in Part IV. . . . . . . . . . . . . . . . 16
Definitions Used Throughout This Policy. . . . . . . . 2 E. Additional Duties for Part IV - Damage to Your Car . . . . . . . . 17
Part I - Liability Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . 3 F. Payment of Loss. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
A. Insuring Agreement - Bodily Injury and Property Damage G. Limits of Liability. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 H. Preservation of Salvage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
B. Additional Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 I. No Benefit to Bailee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
C. Additional Definitions Used in This Part Only. . . . . . . . . . . . . . 4 J. Legal Action Against Us. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
D. Exclusions - What is not Insured in Part I . . . . . . . . . . . . . . . . . . 4 K. Other Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
E. Limits of Liability. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 L.Appraisal. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
F. Legal Action Against Us. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
G. Conformity with Financial Responsibility Laws. . . . . . . . . . . . . 6 Part V - Duties After an Accident and General
H. Out of State Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Conditions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
I. Other Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 A. Duties After an Accident . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
B. General Conditions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20
Part II - Uninsured Motorist Coverage. . . . . . . . . . . 7 1. Policy Period and Territory. . . . . . . . . . . . . . . . . . . . . . . . . . 20
A. Insuring Agreement - Uninsured Motorist Bodily Injury 2. Your Duty to Report Changed Circumstances. . . . . . . . . 20
Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 3. Coverage Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
B. Additional Definitions Used in this Part Only. . . . . . . . . . . . . . . 7 4. Legal Action Against Us. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
C. Exclusions - What is not Insured in Part II. . . . . . . . . . . . . . . . . . 7 5. Transfer of Your Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
D. Additional Duties for Part II - Uninsured Motorist 6. Our Right to Recover Payment . . . . . . . . . . . . . . . . . . . . . . 21
Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 7. Bankruptcy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
E. Limits of Liability. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 8. Termination. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
F. Other Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 9. Misrepresentation or Fraud. . . . . . . . . . . . . . . . . . . . . . . . . 22
10.Terms Conformed to Statutes . . . . . . . . . . . . . . . . . . . . . . . 23
Part III - Medical Expense Coverage . . . . . . . . . . . . 10 11.Proof of Mailing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
A. Insuring Agreement - Medical Expense Coverage. . . . . . . . . 10 12.Membership Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
B. Unreasonable or Unnecessary Medical Expenses . . . . . . . . . 10 13.Additional Benefits and Services. . . . . . . . . . . . . . . . . . . . . 23
C. Additional Definitions Used in this Part only. . . . . . . . . . . . . . 11 14.Policy Notices. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
D. Exclusions - What is Not Insured in Part III. . . . . . . . . . . . . . . . 11 15.Payment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
E. Additional Duties for Part III - Medical Expense Coverage. . 12 16.Joint and Individual Interests. . . . . . . . . . . . . . . . . . . . . . . . 23
F. Limits of Liability. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 17.Loss Payable Provisions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
G. Other Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 18.Limited Material Damage Coverage in Mexico . . . . . . . . 24
H. Our Right to Recover Payment. . . . . . . . . . . . . . . . . . . . . . . . . . 13 19.Car Sharing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
Part IV - Damage to Your Car. . . . . . . . . . . . . . . . . . . . . 14 Reciprocal Provisions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
A. Insuring Agreement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Special Provisions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
B. Additional Definitions Used in This Part only. . . . . . . . . . . . . . 14

56-5658 1st Edition 12-14 Page 1 of 25

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