With states enacting restaurant seating restrictions and stay-at-home orders to help deter the spread of the COVID-19, Farmers Insurance said it's temporarily changing personal automobile and motorcycle insurance policies to provide applicable coverage for claims arising from the vehicle use for delivery of food and other items that were not otherwise covered. The company said customers it will not charge for the temporary additional coverage. 

"We want our customers to know we're here for them during this extremely challenging situation," Keith Daly, president of personal lines for Farmers, said in a news release. "These are extraordinary times and we are committed to working with our customers to find innovative solutions to help meet the needs of the changed economic environment."

While coverage for delivery services is traditionally excluded from standard automobile insurance policies, this temporary modification to Farmers policies will help extend customers' existing personal auto and motorcycle insurance coverage to a delivery driver when personal cars or motorcycles are use to delivery food, medical supplies and other essential items. 

The current voluntary extension of coverage will be in effect through April 30 for Farmers policies. As the date approaches, Farmers may choose to extend the effective date of this modification. The applicable insurers will work with the various departments of insurance to implement these coverage extensions and modify implementation as requested by different states.

This action is being taken proactively by Farmers on behalf of its customers. Current customers who may be effected by this adjustment do not need to take any action to make this effective on their policy, it will be done automatically by Farmers. 

Farmers currently has more than 19 million individual policies in the U.S.

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