| FREQUENTLY
ASKED QUESTIONS
|
| Automobile
FAQ’s: |
|
How
is my car determined to be a “total loss”? |
If
the cost to repair your vehicle, plus its salvage value, equals
or exceeds its actual cash value, it is deemed a total loss.
|
| If
I buy a new car on Sunday and my agent is not open to make
the change, will my vehicle be covered? |
Yes, the
existing coverage on your current vehicle will apply to your
new car for 30 days. However, you should always contact your
insurance agent to transfer the coverage as soon as possible
to insure you have adequate coverage.
|
|
If
I drive my friends car, will I be covered if I am in an accident?
|
As
long as your friend is a licensed driver and is operating the
vehicle with your permission, they will be covered in the event
of an accident. |
Homeowner
FAQ’s : |
Is
my personal property covered when I travel?
|
Yes, your
contents or personal property that is owned by you is covered
anywhere in the world, up to your stated policy limits.
|
| What
can I do to lower my premiums on my homeowner’s policy? |
One
of the easiest ways to lower your premiums is to increase your
deductibles from $250 to $1000 will make a noticeable difference
in your premium. However, you will need to insure you can afford
to pay out this difference if the need arises. |
Life
Insurance FAQ’s |
| Why
do I need Life Insurance? |
Most people
purchase Life insurance for several reasons, one of the most
important being to provide for your family to cover funeral
costs, final expenses, pay off debts and to provide an income
for your family’s living expenses after your death. |
|
|
RESOURCES |
|
