FAQS

First answer this: If you change jobs, will you still have that life insurance policy?  Unlike a company provided life insurance policy, with an individual policy, you decide when the policy ends. Additionally, an individual life policy is customizable to your specific needs.

Don’t be concerned.  Your insurance identification card typically shows the first named insured.  You are still covered if you are a driver on the policy, even if your name is not on the ID card.

Typical auto insurance policies will cover you if you have an accident in a rental car.  However, here are some little known facts about rentals: An auto policy may not cover you if you are renting an RV. You are not covered if you are driving in other countries including Mexico.  If you are planning a trip south of the border, even to Baja, California, ask us about Mexico Liability Insurance.

If your child will be borrowing a car while away or returning home several times a year, it makes fiscal sense to keep him/her on the policy.  If you choose to exclude your child, any loss that occurs while they are driving will not be covered.

Shopping by price alone could leave you unprotected. The first questions that should come to mind if you have received a lower quote are, “What type of coverage are they offering me? Are they trying to make a sale by shaving down my coverage?”

Coverage costs vary by company but you should never choose a company only because they have a lower price. Before you make a decision based on premiums alone, ask yourself: “Is this company looking out for my best interest or just trying to make a sale? Do I have the right coverage in case of a claim? How will they handle my claim?” Taking a bit more time finding the right insurance and knowing what your money is buying will give you peace of mind. You’ll have assurance that you have the right protection.

We encourage you to look at insurance as an investment in your future. While you may save money in the short term by having a lower premium, not having the proper insurance coverage when you have an accident could incur major financial damage.  If you are liable for an accident and your current insurance policy’s limits do not cover all damages, you will pay out of pocket any monies owed the injured party.  If you do not have the funds to pay for these damages, your assets may be at risk.  Think long-term and be assured that you and your assets are safe.

Personal property items are typically not covered under your auto insurance policy.  If you have a homeowners or renters policy, the items may be covered subject to your deductible.  Take precautions and keep valuables in your trunk, glove box, or other locations in your vehicle where the items are not in plain sight or remove items from the vehicle as soon as you are able.