FAQ's

• Auto Insurance

  • Can a driver be found partially to blame for an automobile accident?
    
  • Can I insure my boat?
    
  • Does the kind of car I drive matter to an insurance company?
    
  • How do I handle a claim if I cause an accident?
    
  • I have heard of states with no-fault laws and PIP coverage. How does that differ from other states?
    
  • I have towing and labor coverage on my auto policy. Does it only come into effect after an accident?
    
  • I work part-time as a handyman. Do I need insurance coverage for my truck, which I use make repairs?
    
  • My state requires minimum insurance coverage of 15/30/5. What does that mean?
    
  • What does it mean when a car is "totaled"?
    
  • What effect does my driving record have on my auto insurance?
    
  • What exactly are the types of coverage included in a standard personal auto policy?
    
  • What happens if my car is stolen?
    
  • What is the difference between the cancellation and non-renewal of an auto policy?
    
  • What should I do if another driver hits my car?
    
  • What should I do if I'm involved in an accident?
    
  • Why does a high deductible cause my premium to go down?
    
  • Why does my insurance company want to know my age?
    
  • Why would I want to buy more insurance than state law requires?
    
  • Will my insurance cover me if I have an accident in another state while I am away?
    

• Home Insurance

  • Besides me, who else is covered under my homeowner's policy?
    
  • How can I lower my premium?
    
  • How much will I pay for homeowner's insurance?
    
  • How will I be able to recall the contents of my home if it is destroyed?
    
  • I want to buy a condominium. Will my policy be different from the one I had when I owned a house?
    
  • I'm renting an apartment. Will my landlord's insurance cover my belongings in case of fire?
    
  • If my home burned to the ground, how much money would the insurance company give me?
    
  • What can I do about possessions that are far more valuable than the coverage limits policy?
    
  • What damage to my house would not be covered by my homeowner's policy?
    
  • What if I'm found liable for injuring another person?
    
  • What is a deductible?
    
  • What kinds of damage does a basic homeowner's policy cover?
    
  • Why should I buy homeowner's insurance?