Frequently Asked Questions
We get it, insurance can be confusing. You might have questions about coverage.
We have a list of frequently asked questions that are sure to help you out. Click on the questions below to see the answer. If you can’t find the answer you are looking for, contact us today!
Generally you should first notify the police. Then write down the names, addresses, telephone numbers and license numbers of persons involved and of witnesses. Also write down the license plate number and state of each vehicle involved. You may even want to keep a disposable camera in your glove compartment to take photos of the accident. Do not admit fault, and do not discuss the accident with anyone except your insurer representative or insurance agent or producer, or the police. Notify your insurance agent or producer promptly. Cooperate and answer all questions fully. Take notes whenever you talk with insurer employees, your insurance agent, lawyers, police or others about the accident. Write down the date, times, names and subjects you talked about and include all decisions or promises made. Save your receipts for such items as car rental or a hotel room if the accident happens out of town, and save copies of all documents you send or receive.
Second, drive safely. Avoid tickets and accidents. Don’t drink and drive. A poor driving record adversely affects your rates.
Third, drive a safe reliable vehicle. Before purchasing a new vehicle consider the cost of insurance. Some vehicles such as sports cars, SUV’s, and other high-profile vehicles cost more to insure.
Fourth, discuss with your insurance agent to make sure that you have appropriate coverages for you and your vehicle. You may consider higher deductibles for your comprehensive and collision coverages.
Finally, be pro-active regarding your credit or insurance score. Many insurers offer discounts for good credit. Understanding and maintaining a good credit score may significantly reduce your premiums in the future.