Automobile FAQs
The level of liability protection you have while driving a rental car can vary. If your policy includes Collision and Comprehensive Coverage, damages to the rental car would be covered. Furthermore, many credit card companies provide protection against rental car claims so taking a look at their restrictions and provisions is advised. Lastly, you have the option of purchasing a Collision Damage Waiver (CDW) from the rental car company. Though this isn't insurance coverage per se, it does protect you from having to cover the full cost of replacing the car if any damage occurs, which can be pricey ($8-12 per day or over $4,000 annually). However, if you do not have sufficient coverage via your auto policy or credit card company, paying for CDW may be better than being held accountable for hefty out-of-pocket expenses.
The best way to file a claim is to contact the insurer directly. For contact information by carrier, click here. You can also complete the File a Claim form on our website or call us.
If you have the required minimum coverage for your state, your policy will adjust for differences in other states. Personal automobile policies are only valid in the United States, US territories, and Canadian provinces.
You can get protection for situations where you rent autos if you add Hired Auto Liability and Physical Damage coverage to your existing business auto policy.
After the claim has been submitted to the insurance company, these are the essential steps:
- You will be contacted by an insurance company adjuster to gather detailed information on your claim.
- Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property.
- An estimate will then be prepared.
- A check is delivered.
- Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken.A supplemental check is sometimes prepared to resolve these differences.
Your insurance company is responsible for settling and paying your claim, and our agency ensures that it is done as quickly and fairly as possible with the least amount of uncertainty and hassle possible. The claim progress is closely monitored and you are kept informed throughout the process.
If you own, lease (long-term), or finance your vehicle, then you will file a claim with your insurance company. You will have to pay any deductible amount. Payment for your loss will include payment to your finance or leasing company if any. In most cases, your insurance company will take care of your damage to another vehicle or property with little or no involvement on your part.
It is most likely that the other driver's insurance policy will compensate you for damages, property damage, or injuries you sustained. When you or your passengers are injured and the other driver does not have insurance, your own policy may cover the injury (Uninsured or Underinsured Motorist Coverage).
Generally, a single claim is not of great concern to an insurance company. Nevertheless, if one is part of a pattern of claims, a premium increase or even cancellation could be the result. For example, if you have had three claims in the last three years, it will be viewed differently than having just one. Additionally, if an auto accident is associated with reckless driving or a DUI conviction, this can lead to substantial increases or even loss of coverage.
Your automobile policy extends coverage to anyone you allow to drive your car. You do not have to explicitly grant permission, the other person only needs a reasonable belief that they are driving with your permission.
Business FAQs
There are several ways to file a claim. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also complete the File a Claim form on our website or call us directly.
A business auto policy alone won't provide protection for rented autos unless you amend it. Hired Auto Liability and Physical Damage coverage will provide coverage for situations where you rent autos.
After the claim has been submitted to the insurance company, these are the essential steps:
- You will be contacted by an insurance company adjuster to gather detailed information on your claim.
- Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property.
- An estimate will then be prepared.
- A check is delivered.
- Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken.A supplemental check is sometimes prepared to resolve these differences.
Your insurance company is responsible for settling and paying your claim, and our agency ensures that it is done as quickly and fairly as possible with the least amount of uncertainty and hassle possible. The claim progress is closely monitored and you are kept informed throughout the process.
The type of business you run will largely determine the kind of liability protection you need. Most businesses require basic liability, while professional service providers may have to consider more specialised forms, such as professional liability for lawyers, doctors, architects or software designers. Manufacturers and distributors should always get product liability coverage too. It's a good practice to review your possible liabilities when establishing an insurance policy or making changes to an existing one.
A business auto policy may be required by companies that own autos or use non-owned autos for business purposes.
The property of any business can be divided into several categories: office equipment, inventory, real estate, etc. If the potential loss amount exceeds your comfort level, insurance might be a good alternative. It is a good idea to consider how you can replace damaged or lost property in these categories.
Insurance, known as business interruption insurance, can cover suppliers, salaries, and other costs even if your business income is interrupted by a covered loss.
Generally, a single claim is not of great concern to an insurance company. Nevertheless, if one is part of a pattern of claims, a premium increase or even cancellation could be the result. For example, if you have had three claims in the last three years, it will be viewed differently than having just one. Additionally, if an auto accident is associated with reckless driving or a DUI conviction, this can lead to substantial increases or even loss of coverage.
Claims FAQs
You can file a claim in several ways. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also complete the File a Claim form on our website or call us.
After the claim has been submitted to the insurance company, these are the essential steps:
- You will be contacted by an insurance company adjuster to gather detailed information on your claim.
- Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property.
- An estimate will then be prepared.
- A check is delivered.
- Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken.A supplemental check is sometimes prepared to resolve these differences.
Your insurance company is responsible for settling and paying your claim, and our agency ensures that it is done as quickly and fairly as possible with the least amount of uncertainty and hassle possible. The claim progress is closely monitored and you are kept informed throughout the process.
A claim will be filed with your insurance company if your vehicle is owned, leased (long-term), or financed. You will have to pay any deductible amount. In most cases, your insurance company will deal with your damage to another vehicle or property with little or no involvement on your part, including payment to your finance or leasing company.
Generally, a single claim is not of great concern to an insurance company. Nevertheless, if one is part of a pattern of claims, a premium increase or even cancellation could be the result. For example, if you have had three claims in the last three years, it will be viewed differently than having just one. Additionally, if an auto accident is associated with reckless driving or a DUI conviction, this can lead to substantial increases or even loss of coverage.