Auto Insurance FAQ
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1.
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Will my personal auto policy provide coverage if I use my vehicle for business purposes?
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2.
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If I go on vacation and rent a vehicle, will my auto policy provide coverage while I am driving the rental vehicle or must I purchase coverage from the rental company?
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3.
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What is typically covered under Comprehensive coverage?
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4.
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What is covered under Collision coverage?
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5.
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I have an older vehicle which I do not care to insure for comprehensive and collisions coverages. Is there any reason why I should carry higher than minimum liability limits?
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6.
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What is covered under Bodily Injury coverage?
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7.
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Does Property Damage coverage provide coverage to fix my vehicle if the other driver is at fault and has no insurance?
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8.
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How is the deductible for Comprehensive or Collision coverage applied?
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9.
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What is covered under Medical Payments coverage and to whom does the coverage apply?
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10.
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If I already have health insurance, do I need to carry Medical Payments insurance on my auto policy?
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11.
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What is the difference between Uninsured and Underinsured Motorist coverages?
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12.
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If everyone is required to purchase liability coverage, why do I need Uninsured Motorist coverage?
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13.
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What does Rental Reimbursement coverage provide, and does it provide coverage if I take my vehicle to a shop for mechanical repairs?
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14.
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If I borrow a car from a friend or relative, will my policy cover me while I am driving the borrowed car?
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15.
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What should I do if I have an accident?
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16.
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I have not had any accidents or violations, so why do my auto insurance premiums continue to increase?
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17.
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Is there any way that I can reduce my premiums?
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18.
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What if my insurance lapses and I drive without insurance?
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Home Insurance FAQ
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1.
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How much home insurance do I need?
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2.
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What affects home insurance prices?
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3.
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What deductible should I choose?
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4.
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What does "property damage" cover?
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5.
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What does "contents insurance" coverage include?
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6.
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What does "additional living expense" or "loss of use" cover?
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7.
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What Is "personal liability insurance" coverage?
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8.
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What does "medical payments insurance" cover?
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9.
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What is "replacement cost"?
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10.
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What is "actual cash value"?
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11.
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What if I"m found liable for injuring another person?
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12.
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What kinds of damage does a basic homeowner"s policy cover?
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13.
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What damage to my house would not be covered by my homeowner"s policy?
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14.
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If my home is destroyed by a fire, how much money would the insurance company give me?
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15.
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How will I be able to recall the contents of my home if it is destroyed?
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16.
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What can I do about expensive possessions, like jewelry and camera equipment, that are far more valuable than the coverage limits of my homeowner"s policy?
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17.
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I want to buy a condominium. Will my homeowner"s policy be different from the one I had when I owned a house?
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18.
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I"m renting an apartment. Will my landlord"s insurance cover my belongings if the building burns down?
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19.
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Besides me, who else is covered under my homeowner"s policy?
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