There is no one size fits all answer for all situations. The answers below are based on generalities. Contact your agent for specific answers to your questions.
Am I insured when I rent a car?
Generally speaking, yes your insurance will extend to your rental car. All of your coverages, if applicable, will apply up to the policy limits. However, the rental car company could have additional charges that might not be covered by your policy.
Does my personal auto insurance policy cover me if I drive for Uber or Lyft
Kind of. Here’s how it works. When the app is turned off. Your personal policy covers you. When the app is turned on, a low level of liability coverage kicks in. When a job is accepted, a higher level of coverage is initiated. That is until the passenger exits the vehicle, at which point the low level of liability resumes.
What does credit have to do with my insurance premiums?
In all but three states (Hawaii, California, Massachusetts) your credit score can be used to assess your insurance rate. It’s been found that credit score was a good predictor of number of claims and size of claims. Therefore, lower scores are attributed to higher rates, and higher scores get lower rates.
What’s the difference between comp and collision?
Comprehensive covers damage to your vehicle from things other than an accident. This includes things like, impacts with animals, theft, vandalism, fire, etc. Collision covers damage to your vehicle from an accident that you caused.
Do I need life insurance?
Yes. If you are single with no dependents, a low level of insurance will help pay for funeral arrangements. If you’re married and/or have kids, more adequate coverage can help financially support your loved ones, especially if you are the primary income earner.
Do I need an umbrella?
It depends, but it’s strongly recommended, and there are two reasons. One, in the event of a serious injury on
What should I do after an accident?
There are several things you should do after an accident.
- Don’t drive away. Set at the scene.
- Set up flares, flags, or other obvious markers to prevent further damage.
- Call the police.
- Take notes and obtain information from other party.
- Take pictures.
- Report the accident to your insurance company/agent.
- Seek medical attention. Do this right away if necessary.
- Keep a file of accident related information.
- Consult with an attorney.
If you have any questions, call your agent and they can help you through the process.