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FAQs

These responses to frequently asked questions may be just what you need.

 

▶ Is auto insurance mandatory?

Yes, there is a state minimum auto insurance that you need to have if you own a car. However, you may want to purchase additional auto insurance coverage to provide extra protection for your car.

▶ Should you buy rental car insurance if you have an accident?

If you do have to rent a car because your car was damaged in an accident, it is advisable that you buy a rental car insurance too. Usually, as you rent a car you will be entitled to a few coverage plans.
▶ When can auto insurance be cancelled?

An auto insurance policy can be cancelled by an insurance company only in case of any default in payment of premiums. However, before canceling any policy, the company needs to inform the policy holder beforehand and vice versa.

▶ Do I have to put my teenageer on my policy?

Because, it is the right thing to do. It will keep him covered when he drives your car. Additionally, it will keep the worries off you. If your son carries his driving license you can make him obtain his own policy. But it will be expensive too. On the other hand, including him in your policy will save some dollars for you. Ask your insurer, they often offer discounts for good grads. If your teen can manage good grads throughout the educational period, he may qualify for the discounts. Encourage him to take on a driving course. Successful completion of driving course may help in lowering his premium also. But above everything, encourage him to drive sensibly.

▶ Why should you insure teen drivers?

Teen drivers may be more at risk of accidents since they are not as mature and experienced as drivers in their middles ages or more. However, teen drivers may also get some discounts based on their educational scores.

▶ What information do I need to delete a driver from the policy?

If the driver is deceased, and the person requesting to remove the driver from the policy is not a named insured, we will request either a copy of the trust, proof of estate or updated vehicle registration to show that ownership of the vehicle has transferred to someone other than the operator.

If the driver has obtained other insurance, we will need to know the date that their insurance started on their new policy.
If the driver is being removed due to a divorce situation, we will need to know the new residential address and date of new insurance for the operator prior to removing coverage.

▶ What information do I need to add a driver to my policy?

The driver’s name as it appears on their drivers license
The driver’s license number and the state where it was issued
Date of Birth
The date that the driver first received their license

▶ What information do I need to delete a vehicle from my policy?

The Vehicle Identification (VIN) number.
The date that the vehicle is to be removed from the policy.
You may need to return license plates to the Department of Motor Vehicles prior to removing coverage from a vehicle. We will advise you of any state requirements or forms needed to insure that there are no lapses in coverage.

▶ What information do I need to add or change a vehicle on my policy?

The Vehicle Identification (VIN) Number. This number is found on the bottom corner of the windshield right in front of the steering wheel or on your registration document.

If the vehicle has safety features such as airbags or an anti-theft alarm system, we will ask to confirm the type of anti-theft system and how it is activated (e.g., automatically when the door closes or via a keychain) and how many airbags it has (e.g., front and side impact, front airbags only, etc).

If the vehicle will be used for commuting purposes, we will ask how many miles your home is from your workplace. If the vehicle will not be driven for commuting, we will ask how many miles you believe you will drive annually (e.g., most drivers average 10,000 to 12,000 miles per year).

If the vehicle is leased or financed, we will also ask for the name and address of the financial institution so that we can send them proof of insurance.

▶ What information do I need to add or change a vehicle on my policy?

The Vehicle Identification (VIN) Number. This number is found on the bottom corner of the windshield right in front of the steering wheel or on your registration document.

If the vehicle has safety features such as airbags or an anti-theft alarm system, we will ask to confirm the type of anti-theft system and how it is activated (e.g., automatically when the door closes or via a keychain) and how many airbags it has (e.g., front and side impact, front airbags only, etc).

If the vehicle will be used for commuting purposes, we will ask how many miles your home is from your workplace. If the vehicle will not be driven for commuting, we will ask how many miles you believe you will drive annually (e.g., most drivers average 10,000 to 12,000 miles per year).

If the vehicle is leased or financed, we will also ask for the name and address of the financial institution so that we can send them proof of insurance.