Following are several typical questions that arise with regard to insurance matters.
It is not required to obtain a police report when an accident occurs. It is more important to ensure that the vehicles and the occupants are safe. If the accident occurs in a heavily congested area, move the vehicles to the side. Exchange insurance and contact information, and contact your insurance agent.
No, your premium is due on or before the renewal date of the policy. Some carriers will accept a late payment, however, coverage ceases on the renewal date if not paid.
Generally, no. Coverage is not provided for pipes/sewer connections underground from your home to the hook up.
It is not required; however, it could help in the event of a loss, especially for valuable items. The trouble is our memory fails us sometimes when we need it most. If you were to suffer an entire loss, e.g., a fire, you may have trouble remembering everything that you had in your home. A good solution, take photos or videos and keep them in a safe place off premises. This has been made a lot easier now with smartphones.
Your I.D. card has a toll-free number on the back that is answered 24/7.
It’s true that basic coverages are the same, that’s where it ends. Every situation is different. What your needs are compared to your neighbor or your best friends needs are very different. That’s what we are here for, to help you figure it all out. Give us a call, or send us an email, we are here to help you.