Frequently Asked Questions

Collision coverage protects your vehicle when it's damaged in an accident with another vehicle or object, regardless of fault. Comprehensive coverage protects against non-collision incidents like weather damage, theft, vandalism, animal collisions, and falling objects. Both work together to provide complete physical damage protection for your vehicle.

Liability coverage protects you financially when you're responsible for an accident that causes injury to others or damage to their property. It pays for medical expenses, legal fees, and property repairs up to your policy limits. This coverage is legally required in most areas and essential for protecting your assets from potential lawsuits.

Uninsured motorist coverage protects you when you're involved in an accident with a driver who doesn't have insurance or doesn't have enough coverage. It covers your medical expenses, vehicle repairs, and other damages that would normally be covered by the at-fault driver's insurance. This also includes protection against hit-and-run accidents where the responsible party cannot be identified.

Rental car reimbursement provides coverage for a rental vehicle while your car is being repaired after a covered claim. You'll receive a daily allowance (typically $30-$50 per day) to rent a vehicle for transportation needs. This coverage activates when your vehicle is in the shop due to a covered collision or comprehensive claim, ensuring you're not left without transportation during repairs.

Our roadside assistance service provides 24/7 help when you're stranded due to vehicle issues. This includes towing to the nearest qualified repair facility, battery jump-starts, flat tire changes, lockout service when you're locked out of your vehicle, fuel delivery if you run out of gas, and minor mechanical assistance. There's no limit to how many times you can use this service during your policy period.

Your insurance premiums are calculated based on several factors including your driving history, vehicle type, age, location, chosen coverage levels, and deductible amounts. Safe driving records, newer vehicles with safety features, and higher deductibles typically result in lower premiums. We also consider your annual mileage and how you use your vehicle (personal vs. business use) when determining your rates.

Absolutely! We believe insurance should be tailored to your specific needs. You can choose different coverage levels for liability limits, select your preferred deductible amounts for collision and comprehensive coverage, and add or remove optional coverages like rental reimbursement and roadside assistance. This flexibility allows you to create a policy that provides the protection you need at a price that fits your budget.

Filing a claim is straightforward and can be done 24/7 through our online portal, mobile app, or by calling our dedicated claims team. Once you report your claim, you'll be assigned a personal claims representative who will guide you through the entire process, from initial assessment to final settlement. We aim to resolve claims quickly and fairly, with most straightforward claims processed within a few business days.