Frequently Asked Questions
Question: I've just been in an automobile accident. What should I do?
Answer: The following are some important tips regarding auto accidents:
- Don't just drive away from an accident, even a minor fender bender. Wait for a police officer to write a report.
- Exchange information with the other driver. Get the names and telephone numbers of as many witnesses as you can.
- As soon as possible after the accident, report it to your insurance company, even if you don't plan to make a claim. If you believe the other driver was at fault, contact his or her insurance company also.
Question: What is Comprehensive Automobile Coverage?
Answer: Comprehensive coverage covers damage to your vehicle caused by an event other than a collision or overturn. Examples include fire, theft, vandalism and falling objects. This also comes with a deductible you select, which is how much you will pay before the insurance company pays the remainder.
Question: What does Homeowners Insurance cover?
Answer: Homeowners insurance provides protection for your home, personal property such as furniture, clothing, appliances as well as personal liability. It protects you from a variety of events: a fire, explosions, lightning, vandalism, burglary, storms, and more. Be sure to call your insurance agent to discuss actual insurance coverage included with your homeowner's insurance plan.
Question: What's the right amount of insurance for my home?
Answer: Your coverage should match the value of your home. Homeowners insurance can not cover the land your home is on, only the structure. That means that the insurance amount may be less than the purchase price or loan amount.