Frequently Asked Questions
Below are some of our frequently asked questions. If you have any other
questions or concerns, please feel free to contact us
via the web, or come and visit us at a location near
you.
| If I choose not to buy car Insurance and drive my car, will i get in trouble?
It depends on the state you live in. Most states have tuff laws about having car insurance and if you don't choose to follow the laws and buy car insurance, there can be tough penalties and fines. Get a quote and see how inexpensive it can be to drive legal.
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| Is everyone that drives my car covered?
Maybe, if they have your permission. There are some exclusions so you should check your own particular company. Some insurance companies coverage follows the car while other policies follow the driver!
Remenber that everyone in your household should be listed on your policy. Example, if a girlfriend you live with, uses your car, she may not be covered if you did not list her on your insurance policy. On the other hand, if you live separately, she could use your car with your permission and be covered. Contact us to be sure.
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| Does my driving record affect my car insurance rate?
Yes! The rate you pay has a direct relationship to your driving record for the past three to five years depending on the insurance company. Statistics show that drivers with accident and tickets are more likely to have accidents than drivers with no violations. Get an auto quote and less i check your record fior you.
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| My teenager just got her temps. Do in have to add her to the policy?
With most companies , yes. You will not likely be charged until she get her full license.
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| Am i protected by my car insurance policy when i drive a rental car?
In the United States, most likely, yes. Over seas, most likely, no. It is not a bad idea to call your agent to be sure and check to see that you have comprehensive and collision on at least one of your cars. Call us or your company to be sure.
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| Does my home insurance policy cover me for flood?
Homeowners insurance policies do not cover damage from flooding. You need to buy a seperate policy underwritten by the Federal Government. We can help you with that. Get a flood quote here.
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| Will filing one claim on my homeowners insurance cause my rates to go up?
Probably not, But the industry has been hit with so many big claim events, it could change.
it is alway better to call us and talk about your case.
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| I moved and am trying to sell my old house. Do i need to tell my agent?
Yes. There can be some short term coverage while you home is vacant and for sale, but the policy needs to be rewritten to continue coverage. Call your agent.
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