Auto Insurance FAQs

Q: Can my claim be denied if I lie about my driving history?
A: Yes, if you lie about your driving history, then you are committing what is known as "soft fraud". Your insurance company can deny you services and cancel your coverage.

Q: What will auto insurance cover?
A: Auto insurance covers you, your car and others involved in a vehicular accident.

Q: Are there different auto insurance coverage types?
A: Yes, there are different insurance coverage types: Bodily Liability, Property Damage Liability, Comprehensive, Collision and Uninsured & Underinsured.

Q: Is auto insurance mandatory?
A: Yes, auto insurance is mandatory, but insurance carrying laws can vary. You are encouraged to visit your state government’s transportation website to find the specifics for your state.

Q: What are the consequences if I don’t get auto insurance?
A: The consequences can be severe if you get in an accident without insurance. You could be sued, resulting in losing your life’s savings and being sent to jail.

Q: Is auto insurance expensive?
A: No, relatively speaking, auto insurance is inexpensive. However, rates can vary depending on your driving history and credit report.

Q: What is the cheapest auto insurance?
A: Auto liability is the most affordable coverage type, but we recommended that you purchase more than this coverage type to be adequately covered.

Q: Who can I put on my policy?
A: You can add household members to your policy, but they must live at the same address as you.

Q: Can I pay for auto insurance with a monthly payment schedule or must I pay annually?
A: Most insurance companies let you choose. However, some will offer you a lower insurance premium rate if you pay your premiums annually.

Q: What happens if I forget to pay my premium?
A: You will be mailed a warning notice for your first offense. If it happens again, you will be issued a late charge or maybe even a policy cancellation.

Q: How does insurance deductible work?
A: An insurance deductible is the amount you pay toward an accident you may have. After you have met the deductible amount, your insurance company pays the remaining amount.

Q: Is auto insurance taxes deductible?
A: While it really depends on the situation, in most cases, car insurance is not tax deductible.

Q: Can I change my coverage whenever I want?
A: Yes, but you will be charged a cancellation fee. However, if you wait until the end of your policy, then you wil not be charged.

Q: Under what circumstances will my auto insurance company deny me service?
A: If you have a DUI on your record, or have bad credit, or have caused a serious accident, you can be denied service.

Q: Does gender affect the cost of my auto insurance premium?
A: Yes, gender does affect premium rates. Insurance companies use statistical driving data for risk assessment and found that male drivers are more likely to be involved in an accident. Therefore, male drivers pay higher premiums than female drivers.

Q: Why doe my credit score affect my premiums?
A: In most states, insurance companies will charge a higher premium to those with a low credit score. They have used statistical risk assessment and determined that those with low credit score are more likely to be involved in an accident.

Q: Do red cars make insurance more expensive?
A: No, this is a myth. Driving a red-colored vehicle does not make your insurance premiums more expensive.

Q: How do I get an insurance discounts?
A: Good students, having a clean driving record, a good credit score, and by asking your insurance agent for discounts are possible ways to get discounts.

Q: Am I covered if I get in an accident while driving a friend's car?
A: You will be covered by your friend's auto insurance. If that insurance does not cover all your costs, then you will use your insurance for the remaining costs.

Q: Will getting a parking ticket raise my premium?
A: Getting a parking ticke will not be affect your rates, but not paying them will.

Q: My car is old. What coverage should I have?
A: This depends on the value of the vehicle. Typically, older cars carry less coverage because they are not worth very much money, and would likely not be repaired in the case of an accident.

Q: Does my auto policy cover a rental vehicle?
A: In most cases, yes. If you’re driving a rental car of similar value to the car you own, your auto policy should be enough to cover the rental vehicle. Liability coverage would cover third-party vehicle damages. Personal injury protection (PIP) would cover yours or the other parties’ medical bills. If you are worried about your belongings being stolen, then renters or homeowners insurance should extend to cover that, as well. If you don’t have collision or comprehensive coverage on your regular auto policy, then considering getting loss-damage waiver add-on when renting the vehicle. This waives you from the financial responsibility in the event the car is damaged or stolen. It’ll also cover loss-of-use charges while the car’s being repaired. Always double check with your insurer before declining the different rental car coverages if you’re not clear on what coverage your policy provides.

Q: Can an auto insurance company deny my accident claims?
A: They can deny your claims if they have proven beyond a reasonable doubt that you were driving recklessly or lied about accident damages.

Q: Will my auto insurance pay to have my car replaced if stolen?
A: This depends on the insurance coverage type you have on your policy. Comprehensive coverage will protect you in this type of event.

Q: Will auto insurance companies share my information with each other?
A: Yes. Auto insurance companies will share your insurance claims history with each other.

Q: What happens if I cancel my policy before the contract expires?
A: You will be charged a cancellation fee.

Home Insurance FAQs

Q: What Is Homeowners Insurance?
A: Homeowners insurance (home insurance or property insurance) will compensates you in the event of loss or dmage of your private home. If your home is burglarized or damaged by a cause that is covered in your policy, homeowners insurance will help you replace your belongings, repair your home, or even rebuild.
Homeowners insurance also provides liability coverage which protects the homeowner if someone is injured on your property or you are deemed responsible for personal injury or property damage through negligence.

The amount of compensation you receive in a claim, or that the claimant receives from your insurance company when filing a liability claim against you, depends on the limits set in your policy. An independent agent, we can help you to determine the amount of coverage that makes the most sense for your home and your risk tolerance.

Q: What Does Homeowners Insurance Cover?
A: Homeowners insurance provides coverage for many risks that a homeowner may face. These risk, if not otherwise covered via a homeowers insurance policy, can be a financial stress. Examples of what Homeowners Insurance Covers are: Property damage; Personal property loss; Personal liability; and Added living costs. Each policy will have certain inclusions and exclusions, so make sure you understand which hazards are covered in your policy and which ones are excluded. We will work with you to ensure all your questions are answered.


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