Frequently Asked Question

• What is the difference between comprehensive and collision coverage?

  Comprehensive coverage protects your vehicle against damage from events other than collisions, such as theft, fire, or natural disasters. Collision coverage, on the other hand, covers damages to your vehicle that occur as a result of a collision, regardless of who is at fault.

• How do I file a claim if I get into an accident?

  To file a claim, contact our customer service immediately. Provide all necessary details related to the incident, and our team will guide you through the claims process, including documentation and next steps.

• Can I customize my insurance policy?

  Absolutely! We offer customizable insurance options to match your specific needs. You can choose from various coverage levels, deductibles, and add-ons to create a policy that best fits your situation.

• What does liability coverage include?

  Liability coverage includes both bodily injury liability, which covers costs related to injuries to others, and property damage liability, which covers the cost of damages to someone else’s property in the event that you are at fault in an accident.

• Are there discounts available for bundling different types of insurance?

  Yes, we offer discounts to customers who bundle multiple types of policies, such as auto insurance with home or life insurance. This can provide not only a cost benefit but also the convenience of having all your insurance needs handled together.

• What should I do if my vehicle needs repairs after an accident?

  If your vehicle needs repairs, report the accident to us first. We will assess the damage and direct you to one of our approved auto repair shops, or you can choose a shop of your preference. We'll work with the repair shop to ensure your vehicle is restored to its condition before the accident, subject to the terms of your policy.

• How are my insurance premiums calculated?

  Insurance premiums are calculated based on several factors including your driving history, type of vehicle, location, and the amount of coverage you choose. The safer your driving record and vehicle, the lower your premiums are likely to be.

• Is roadside assistance included in my policy, or do I need to add it separately?

  Roadside assistance is available as an additional option with any of our policies. You can add it to your coverage to ensure help is available 24/7 in the event of a breakdown, flat tire, or other roadside emergencies.