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Frequently Asked Questions

Find out what you need to know about insurance.


It depends on the details of your coverage. Liability protection that you carry for personal injury and property damage will provide some protection while you are driving the rental car. If your policy has Collision and Comprehensive Coverage, that would cover damage to the rental car. 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 offer protection against rental car claims—check with your card provider to see what their coverage includes. You can purchase a Collision Damage Waiver from the rental car company, which isn’t insurance, but rather a release from financial liability if you damage the rental car. This can get expensive, with rates from $8 – $12 charged daily. But, if you’re not covered by your auto policy or credit card, paying the CDW over a few days is smarter than risking a charge of thousands of dollars to replace a rental car.
The best way is to contact your insurance company directly. Call us directly if you have questions about filing an insurance claim.
Your policy will normally adjust for differences in other states if you carry the required minimum coverage for your state. Personal automobile policy protection is only applicable in the United States, U.S. territories and possessions, and the provinces of Canada.
A business auto policy by itself won’t extend protection to rented autos unless you have amended it to do so. You can get protection for situations where you rent autos if you add Hired Auto Liability and Physical Damage coverage.

The claim process has a few variations, but it is the responsibility of the insurance company to settle and pay your claim. These are the essential steps once the claim has been submitted to the insurance company:

  • You will be contacted by an insurance company adjuster to gather detailed information about your claim.
  • Someone from the insurance company will inspect your auto or property for damage, or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property.
  • An estimate is prepared.
  • A check is delivered.
  • Differences in actual and estimated damages may arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences, and sometimes a supplemental check is prepared.

If you own, lease (long term) or finance your vehicle, then you will file a claim with your insurance company. If you have a deductible, you will be responsible for paying that amount. Payment for your loss will include payment to the finance or leasing company, if any. If you cause damage to other vehicles or property, your insurance company will handle that with little or no involvement on your part, in most cases.
Usually the other driver’s insurance policy will respond and reimburse you for damages to your vehicle, property or injuries. In some cases—like if you or your passengers are injured and the other driver has inadequate or no insurance—coverage from your own policy may apply.
Not typically, no; a single claim is not a cause for concern on the part of insurance companies. Multiple claims, however, may result in a premium increase or cancellation, and individual claims that are suggestive of gross negligence can also result in significant premium increase or cancellation.
Your automobile policy protection is extended to anyone you grant permission to drive your car. You do not need to explicitly provide permission, the other person only needs to have a reasonable belief that they are driving with permission.
Many natural disasters, such as hurricanes or tornadoes, are covered in a homeowner policy. Others, like earthquake and flood, are not. If you’re concerned about your protection from loss due to natural or man-made disasters, let us know and we can review your coverage and suggest any possible adjustments.
The association master policy is for coverage to the main building structure, not your individual unit and any possessions you have inside. You need your own policy to cover your belongings and protect yourself from legal liability related to your own unit.
A standard homeowner policy provides coverage equal to 10% of the limit for Coverage C of a homeowner policy or $1,000, whichever is greater. This coverage is useful for protecting you while traveling and for other temporary situations. If you have property in excess of these amounts away from home or property that is kept away from your residence premises for extended periods, you should consider additional protection.
Homeowner policies specifically exclude reimbursement for damage caused by flood. Your home may be a significant distance from a major body of water but still be exposed to flood risk if your home was built in a flood plain. The National Flood Insurance Program has a flood risk indicator on their website. All you have to do is enter your property address and you will get an indication of the degree of flood risk you face.
A renters policy will provide compensation for many types of loss to your personal property. Renters policies also include liability protection, which can be very important; for example, if a fire, caused by your negligence, could damage a large number of other rental units and the property contained in them, and you don’t want to be responsible for that cost. Liability coverage will normally cover your legal obligations to compensate other parties in cases like this, as well as for other instances where you are legally liable for damage of loss.
Typical policies provide coverage for you and relatives that live with you. So, if your roommate is not a relative, you will not be protected under his or her policy. Renters policies are very affordable, starting at not much more than $150 a year and they provide liability protection as well as coverage for your personal possessions.
It’s smart to review the kinds of liability exposures your business might have when updating or initiating an insurance program. All businesses need basic liability coverage to protect them against acts of owners or employees for which the business might be legally liable. From there, the specifics of your coverage needs depend upon the specifics of your business, and the products or services you provide. You’ll also want to consider the cost of replacing equipment, inventory, property or real estate, and how you would handle the costs of business interruption. Insurance can help cover these potential risks.
If you have a homeowner policy, your boat might be covered, but you’ll want to check the details to be sure. Your automobile policy will not cover a boat.

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:

  • 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

Work with a local insurance specialist

Insurance products are underwritten by non-affiliated insurance companies. Insurance products offered are:

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