Frequently Asked Questions

How Much Liability Protection Should I Get on My Car?

Your liability protection should be large in case someone gets seriously injured in an accident you are in, regardless of fault. You are going to want your bodily injury liability to equal the sum of your assets. This includes: Home equity, value of your vehicles in cash, bank account, stocks, bonds and funds.

Is there a Difference Between Collision and Comprehensive Coverage?

Yes there is quite a big difference. Collision coverage covers damage to your car in a collision. If you run into another car, or a light pole, your cost of repairs for your car is covered. Comprehensive insurance covers the cost of your car for other sorts of damage. Weather damage, such as a hurricane, damage from potholes, and freezing can all be covered. Comprehensive coverage can also cover your car fromm theft and the belongings in your car that where stolen.

If I Lend My Car to a Friend or Family Member, are they Covered by My Insurance Policy?

If you give permission to anyone to drive your car then they are covered by your current car insurance policy.

Is it Really Illegal to Not Have Car Insurance?

It is illegal in 45 states to not have car insurance. In South Carolina and Virginia you are required to register as an uninsured motorist. In Tennessee you must have proof of financial responsibility. In New Hampshire and Wisconsin you are not required to have liability insurance except in very special cases.

Should I Get a Large Deductible?

This is going to depend, the larger your deductible the smaller your premium will be. It basically is a gamble. If you feel like you will get into less accidents a larger deductible may be the way to go, but if you do get into that accident you will end up paying a lot more money. It depends on how confident you are in you and your family's driving skills.

Will My Past Driving Record Affect My New Insurance Policy?

Yes, when you apply for a new policy the insurance company will look over your driving records. Any accidents or tickets that show up on your report will cost the price of your coverage to increase because you will be viewed as a greater risk to insure.