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General Insurance FAQs

Q: What are the advantages of purchasing insurance through an agent?
A: By purchasing insurance through an agent, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent insurance agent is able to deliver quality insurance with competitive pricing and personalized service.

Auto Insurance FAQs

Q. What affects my auto insurance rates?
A. Many factors can affect the cost of your automobile insurance.  Your age, the make and model of your car, truck, or vehicle, your driving record, the purpose the automobile serves, where you keep and drive your car, and your credit rating all affect insurance rates.

Q. What does “full coverage” insurance mean?
A. The term “full coverage” means the legally required or most commonly requested insurance coverage.  Legal requirements vary from state to state, with some requiring more than others. Full coverage may include (but is not necessarily limited to) bodily injury, property damage, uninsured and underinsured motorist, and damage to the insured vehicle (also known as comprehensive and collision).

Q. Can my auto insurance policy be cancelled?
A. Yes. If the consumer fails to pay the premium on any auto insurance policy, or if the consumer’s license has been suspended or revoked during the term of the auto insurance policy, an auto insurance policy may be canceled at the discretion of the insurance company.  Your premium will be refunded, but you may receive less than the unearned premium due to cancellation processing fees or non-refundable policy setup fees.

Q. I’ve had an accident with an uninsured motorist. What do I do?
A. Contact your the Department of Revenue in your state. The Department of Revenue enforces the mandatory liability laws in your state and will investigate and enforce the applicable laws. Report any injuries or loss you may have sustained to your auto insurance company.

Q. Can other people drive my car and still be covered?
A. Generally, anyone who has permission to drive your vehicle would be covered by your auto insurance. Regular drivers of your car should be listed on your auto insurance policy. Check with your insurance company for details.

Life Insurance FAQs

Q. What is the purpose of homeowners insurance?
A. Homeowners insurance policies have a dual purpose. The homeowners insurance policy covers both damage to your property, as well as liability for any injuries and property damage on your property. This includes harm caused by household pets.

Q. What are the types of home insurance?
A. The two categories of homeowner insurance are “all-risk insurance” and “named-peril insurance.” All-risk insurance covers losses except those specifically excluded in the policy. Named-peril policies pay only for the causes of loss specified in the policy.

Q: Does my homeowners insurance provide insurance against floods?
A: No. Homeowners Insurance policies exclude damage caused by floods or seepage of groundwater.

Q. How do I determine the actual value of my home?
A: Our agency has forms to help you estimate the value of your home.  This will help you determine how much coverage you should purchase on your homeowners insurance policy.

Q:  I rent my home.  Do I need homeowner’s insurance?
A: No, but you may want to consider renter insurance.  Renter insurance provides important coverage for both you and your possessions.  A standard renter’s policy protects your personal property in many cases of theft or damage and may pay for temporary living expenses if your rental is damaged.  It can also shield you from personal liability.

Homeowners Insurance FAQs

Q. What is life insurance?
A. Life insurance is insurance on your life, so if you pass away while the policy is in effect, a tax-free lump sum will be paid out. People get this type of insurance to cover debts and mortgage, and to leave an inheritance.

Q. How much life insurance do I need?
A. If you have a family, most experts agree that a policy worth 5 to 10 times your annual salary is a wise investment.  However, many people choose to purchase a higher amount.

Q. What is term life insurance?
A. Term life insurance provides protection for a specific period of time. It pays a benefit only if you pass away during the term.

Q. What is permanent life insurance?
A. Permanent life insurance provides lifelong protection. As long as you pay the premiums, the death benefit will be paid. These policies are designed for a long period of time.

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