Frequently Asked Questions About Insurance
The following FAQ’s are adapted from information provided by the Insurance Information Institute.
When Will I Receive an Auto Insurance Quote?
Whether you request a quote from one of our agents or online, you will receive your premium quote the same day.
What Happens When I Report a Loss?
If you are in an automobile accident, you should file a claim with your auto insurance company. Your claim will be assigned to a customer representative who will contact you to go over the details of your accident and advise you on the next steps in the claim process.
What Are My Rights When Filing an Auto Insurance Claim?
Every state has laws protecting consumers, and as a car insurance policyholder you have certain rights. Your policy is a legal contract between you and your insurer. It defines your rights and obligations as well as the rights and obligations of the insurance company.
If you have any questions regarding your rights under the policy, talk to one of our representatives. You may also contact your state insurance department, state attorney general’s office or your state’s consumer affairs department.
What is Uninsured Motorist Coverage?
There are two types of Uninsured Motorist Coverage:
Uninsured Motorist Bodily Injury Coverage applies to you and the occupants of your vehicle for bodily injury up to your auto insurance policy limits resulting from an accident with a legally liable uninsured motorist or “hit and run” driver.
Uninsured Motorist Property Damage protects your property up to your car insurance policy limit for property damage that results from an accident with a legally liable uninsured motorist or “hit and run” driver.
These coverages are not available in all states and are sometimes subject to a deductible.
Have other questions we didn’t list? Please contact us and we’ll be happy to answer any questions and address your concerns.