Vehicle Insurance What is Vehicle Insurance? Vehicle insurance protects you against losses involving the use of a motor vehicle. Various coverages may be purchased depending on your individual situation. Vehicle insurance includes the liability coverages of bodily injury, property damage and medical payments, and the physical damage coverages of collision and comprehensive, which includes, fire, theft, vandalism, animal collision, etc. Vehicle insurance is a Farm Bureau Member's Choice product. Why Should You Purchase Vehicle Insurance? Just imagine being involved in an accident for which you are legally liable and not having any insurance coverage. If you are held responsible for paying for the damage to your own vehicle, the other party’s vehicle, as well as any injuries, it could have a severe impact on your financial future. What Types of Vehicles May be Covered? Private Passenger Automobile – Covers the personal auto you drive on a regular basis, i.e. family automobile. Motorcycle – Includes motorcycles, ATVs, mopeds, dirt bikes and accessories. Watercraft – Includes inboards, outboards, sailboats and personal watercraft (PWC). Motor Home – Includes full-size, mini or van-types. Snowmobile – Includes trail, touring, youth and qualified performance snowmobiles. Trailer – Includes trailers for boats, camping, livestock, motorcycles, snowmobiles, pickup toppers, travel trailers and other uses. Golf Cart – Both recreational use and road use golf carts can be insured. Classic Auto – Covers automobiles that are 10 or more years of age, of signific