Check out frequently asked questions answered by our expert insurance agent, Freda
What does your full coverage include? Our standard full coverage package includes: Liability at the state limit of 03/60/25; comprehensive and collision coverage with $500 deductibles; rental reimbursement; and towing reimbursement. For the vast majority of our customers this is sufficient to comply with the law and the lienholder.
What does basic liability cover? Liability covers the other person/vehicle if you hit them, up to the state limit of 30/60/25. This complies with the law. This is what you need to show proof of for registration and inspection.
How do I know which one to choose? If you have a lienholder (if you are making payments), they generally want you to have full coverage. If your car is paid for and more than 15 years old, most of our customers choose only to carry liability. If your car is paid for and less than 15 years old, we recommend full coverage, however you should get a quote for both then determine which one best suits your budget and needs.
I have a policy with you, but I’m not sure what coverage I have: Look at your declaration page. It lists all the coverages that the company offers down the column on the left. If you see dollar amounts on the right, you have those corresponding coverages. If the space is blank, you do not have that coverage (here a video explanation). If you are not sure, send us a message. .
How do I find out when my payment is due, the amount due or how do I make my payment? All payments should be made directly to the underwriting company. Click on the policy page on this website, find your company and click on it, then follow the instructions for making your payment.
What if I cannot make my payment when it is due? Note: you have due date, then a cancellation date. Once the cancellation date arrives, coverage will cease. Most companies have a provision whereby you can reinstate within a certain time frame, usually 10 to 30 days. You do not have coverage during this time. If you make a payment during this time you can pick your policy back up without having to start over again with a down payment. If you have an accident during this time, there is no coverage and the policy cannot be reinstated. First, try to make your payment online or by phone as you normally would. If you cannot, you will have to contact us or the underwriting company for instructions. (Please be aware late fees may be charged)
I was involved in an accident. How do report the claim? Call the claims office as soon as you can. The number is on your insurance card. It is also on this website under the my policy tab, click on your underwriting company and follow the instructions. Watch this video.
The accident was my fault. What should I do? Report the claim to other person insurance company’s claims office first. They will instruct you on what to do. Then notify your insurance company’s claims office that you have already filed a claim with the other company.
The other person that hit me does not have insurance. What should I do? If you have full coverage, or uninsured motorist report it to your insurance company’s claims office. You will have to pay your deductible. You can sue the other person in small claims court to recover your deductible. If you have liability only, your insurance company will not and cannot act on your behalf unless the other person files a claim against you. You can sue the other party in small claims court to recover your damages.
The person that hit me has insurance but does not want to me to file a claim against their insurance. They offered to pay me out of pocket. What should I do? Do not accept that offer. Take a picture of their insurance card, DL, license plate, damage on both vehicles. If they are unwilling to present a current insurance card call the police. Never do anything that is unsafe. If necessary, collect as much information as you can, leave the scene then call the police and/or the claims office.
How do I report a claim for damages to my home or property? Click on the my policy tab, click your underwriting company and follow their instructions for reporting a claim.I filed an insurance claim and no one has called me back. What do I do? The common reason for this is that they do not have the right contact information or the adjuster calls at a time when you cannot take calls. Call the claims office and speak with customer service. They can usually review your information, determine the problem and correct it.
Endorsement (policy Changes) All changes must be in writing. Click on the contact tab then send a message.
How do I add a vehicle or get a quote to add a vehicle to my policy? Click on the contact tab then send a message. We will need the year, make, model and VIN and type of coverage. The agent will review it and contact you for the additional premium and let you know if anything else is needed.
How do I add a driver or get a quote to add a driver to my policy? Click on the contact tab then send a message. We will the driver’s name, date of birth, DL or ID number, and relationship to you. The agent will review it and contact you for the additional premium and let you know if anything else is needed.
How do I remove a driver or vehicle from my policy? Click on the contact tab then send a message. Tell us what you want to do. The agent will review it and contact you and let you know if anything else is needed.
Can I add a driver and their vehicle to my policy if they do not live with me? No, the driver and the vehicle should be apart of the policy holder's household.
How do change my contact information or Banking information? Click on the contact tab then send a message. Enter the updated information. The agent will review it and contact you to confirm the changes are made or if any additional information is needed.