Insurance FAQs



Automobile Insurance FAQs

That depends. Liability protection that you carry for personal injury and property damage will provide some protection while you are driving the rental car. Damage to the rental car would be covered under Collision and Comprehensive Coverage, if your policy has it. The rental car company may also try to recover damages for lost income while the rental car is out of service. Your auto policy may or may not protect you against this claim; the best way to know is to look at your policy, or ask us to review it for you. Credit card companies often provide protection against these kinds of rental car claims, so you should check there to see what the provisions and restrictions might be. Finally, you can purchase a Collision Damage Waiver—CDW—from the rental car company. This isn't actually insurance but a release from financial liability you might otherwise be charged with as a result of damaging the rental car. The CDW is expensive at $8 to $12 a day. This would amount to over $4,000 a year for very limited coverage. Still, if you do not have protection via your auto policy or credit card, paying the CDW over a few days may be preferable to being personally accountable for $15,000 or $20,000 or more to replace the rental car.

You can file a claim several ways. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also complete the File-a-Claim form on our website or call us.

Your policy will normally adjust for differences in other state requirements if you have the required minimum coverage for your state. Personal automobile policy protection is only applicable in the United States, US territories, possessions, and the provinces of Canada.


Homeowners Insurance FAQs

Many natural disasters, such as hurricanes or tornadoes, are covered in a homeowner policy. Others, like earthquakes and floods are not. Let us know if you have any concerns about your protection from loss due to natural or even man-made disasters; we'll be happy to review your insurance program and let you know what, if any, changes you might want to consider.


Business Insurance FAQs

You can file a claim several ways. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also complete the File-a-Claim form on our website or call us.


Claims FAQs

You can file a claim several ways. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also complete the File-a-Claim form on our website or call us.


Boat Insurance FAQs

You can file a claim several ways. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also complete the File-a-Claim form on our website or call us.


Life and Health Insurance FAQs

You should review all of your insurance needs at least once a year. If you have a major life change, you should contact your insurance agent or company representative. The change in your life may have a significant impact on your insurance needs. Life changes may include the following:

  • Marriage or divorce
  • A child or grandchild who is born or adopted
  • Significant changes in your health or that of your spouse/domestic partner
  • Taking on the financial responsibility of an aging parent
  • Purchasing a new home
  • A loved one who requires long-term care
  • Refinancing your home
  • Coming into an inheritance

Source: Insurance Information Institute www.iii.org