There is no dumb question! If you don’t find the answer to your questions below
please call or email us. Careful, you may be labeled as the person with the first. Auto Insurance FAQ
What does full coverage mean?
The term full coverage generally means that the insurance policy has both liability coverage and comprehensive and collision coverage for your vehicle. Full coverage does not mean that all damages to the other party are covered no matter what. For example, if you only have $10,000 in property damage liability and you are responsible $20,000 in damage you can be held responsible for the difference.
Am I covered if I drive a friend's vehicle?
Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply first toward damages. Your auto insurance would apply in the event the owner of the vehicle had no auto insurance or if the policy did not have enough coverage to pay for the damages.
What should I do if I'm in an accident?
If the accident involves any type of injury or significant property damage you should contact the local police. If the incident is minor, drivers should exchange contact information. Make sure to get a copy of the other drivers license, and current insurance. Contact your agent as soon as possible to complete the claims process.
Home Insurance FAQ
Does a home policy provide flood coverage?
No. Flood insurance is a separate policy offered by under the NFIP (National Flood Insurance Program). Most flood policies from the NFIP can be purchased through the agency that handles your home insurance policy.
Does a home policy provide jewelry coverage?
On a homeowners policy, there is limited coverage available for your jewelry. You will need to purchase a personal articles floater, which extends protection for your jewelry when the value of your jewelry is higher than the limits stated in your policy.
Does a home policy provide earthquake coverage?
No. Earthquake or "earth movement" is not covered by most homeowners policies, but is available as a secondary rider. Most earthquake riders can be purchased through the agency that handles your home insurance policy.
Commercial Insurance FAQ's
How much coverage does my company need?
When it comes to commercial insurance, each policy is as unique as the company it is being written for. Policies are written to meet the needs of each business and are based on the type of operation, the size of the operation, and the scope of the operation.
What is the difference between general liability insurance and E&O insurance?
General liability insurance protects your business in case someone claims that your business was somehow responsible for his or her physical or financial damage. Errors and Omission insurance, commonly know as "E&O insurance", is generally used for coverage for liability arising out of errors or omissions in the performance of professional duties other than in the medical and legal profession. It would apply to services such as engineering, banking, accounting, insurance or real estate.
Does a general liability policy cover my company vehicles?
A general liability policy will not cover your company's vehicles. A commercial auto policy is needed in order to properly protect your company's vehicle in the event of an accident.
How does liability insurance protect my business?
Business liability insurance may protect you from claims arising from bodily or personal injuries. Other items that could be covered are damage to the property of others, products-completed operations, advertising, premises operations, fire, legal liability and related legal defense costs. For instance, liability insurance will not only pay the cost of covered damages but also the attorney fees and other costs associated with your defense.
Workers Comp FAQ’s
Life Insurance FAQ
How much insurance do I need?
Most financial planners will advise to have 7-10 times your yearly income in life insurance. However, every situation is different and you should consult your insurance agent, financial planner, CPA, or estate attorney for advice.
What happens to term insurance when the term expires?
The premium for the policy is no longer guaranteed to be at the rate you have been paying. The insurance company may offer to extend your policy for a new term and at a new rate.
