Frequently Asked Questions

What should I do if I'm involved in an accident?

1. Stop, stay calm, and do not leave the scene of an accident. 2. Get help for anyone who may be injured. 3. Exchange information with the other driver, passengers, or anyone else involved in the accident: Name, Address, Phone number, Drivers license number, License plate, Insurance company and Insurance policy number. 4. Get names, address, phone numbers and information about the accident from witnesses. 5. Only discuss the accident with the police and your insurance company. 6. Do not discuss your insurance coverage or limits. 7. Make a quick sketch of the scene or take pictures if time allows. 8. Call your insurance company to report the claim. 9. Report the accident to the DMV within 72 hours if there is more than $1500 in property damage, or if someone is injured.
How to I pay my policy?

There are several ways to pay your policy. The simplest way is to create an online account with your carrier or utilize their mobile app. Additionally you can contact your carrier or call our office for assistance. Most carriers offer ACH payments and auto pay. Checks, money orders and credit card payments (when available by the carrier) are accepted in our office. No cash payments accepted.
What is the difference between an independent insurance agent and a captive agent?

A captive agent can write insurance products only through their parent company, or through other companies approved by their parent company. An independent agent can contract with any number of companies for you, saving you a lot of leg work.
How much liability coverage do I need?

A good rule of thumb: You should carry at least as much Bodily Injury Liability as the value of your assets. Why? The more you have accumulated, the more you have to lose, and you become more of a target.
I'm a young driver. At what age do my rates reduce?

They should start reducing at age 18, and, depending on the company, should bottom out at 25 to 30.
Why are young male drivers rates higher than young female drivers?

Young male drivers rack up higher costs in settling claims for bodily injury, property damage, medical costs, and auto repair costs.
How long does it take for my driving record to be clean?

Under most circumstances, tickets and accidents can only be counted against you for five years.
If I let someone drive my car, and they get in an accident, who's insurance company pays for the claim?

Yours does! This is a little known fact, and it is a good idea to be very careful about who you loan your car to.
Does my insurance cover a car when I rent it?

Partially. Sometimes. Maybe. You should always contact your agent prior to renting a car. Some policies will not cover physical damage to your rental. Most companies will not extend coverage to a truck (such as a moving van). Loss of use, while the vehicle is being repaired, is usually a cost you would pay yourself. Accident filing fees are not covered by insurance. The reduction in sale value due to automobile damage is not covered by your insurer. If in doubt, it is best to buy the insurance coverage offered by the car rental company.
Since I rent, do I need to buy home insurance?

While it may not be required, it is a very good idea. What would it cost to replace everything you have accumulated in your home? Could you afford to do that? How much would it cost to stay in a hotel for several days or weeks until your house is repaired or you find another place to stay? These costs add up fast and a tenant homeowner policy can pay these for you.
Is flood and earthquake coverage automatically included in a home policy?

No. Earthquake is usually offered as an option on your home policy. Flood insurance normally requires a separate policy, underwritten by the federal government.