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Frequently Asked Questions for Auto Insurance...
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What should I do if a accident or loss occurs? |
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Help any injured. Get names, addresses and auto license plate numbers of those involved, including all witnesses .
Do not discuss an accident with anyone except the police or our representative
Protect your auto and any property from further damage
Promptly call the police if someone is injured, damage is extensive, or in case of theft. In the case of a hit and run you must report the accident to the police within 24 hours or as soon as possible.
Notify your agent of the accident or loss.
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Am I covered if I borrow some else’s car? |
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Ask your agent for sure but most of the carriers we have will provide excess liability protection while you are using any auto or trailer not owned by you (except those furnished for use by any governmental agency or unit). Your policy will pay the amount for which you are liable for damage to other vehicles or property and injury to other persons that are not covered by the vehicle owner’s insurance. Your operation or use of a nonowned auto or trailer must be with there permission of the owner, or you must reasonably believe you have permission. Coverage for damage to the vehicle itself is provided, if at least one of your cars on your policy has comprehensive and collision coverage. However, this coverage pays only for damage that is not covered by the vehicle owner’s policy.
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What are Physical Damage Coverages? |
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Comprehensive and collision coverage are the Physical Damage Coverages. Under comprehensive coverage, the company will pay for damage to your car and its equipment not caused by collision. Comprehensive coverage includes glass breakage, contact with persons, animals, birds, missiles, or falling objects. Under collision coverage, the company will pay for damage to your car and its equipment caused by collision or upset.
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If I rent a car , will it be covered if I damage it? |
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Generally, private passenger autos you rent (including motor homes, pick-ups and vans) are covered for damage you cause to them, if they are not covered by the rental agency’s insurance. Coverage is available for up to 45 consecutive days.
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If I loan my car to someone else, is there coverage? |
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Generally, anyone to whom you give permission to drive your car is covered under your policy. Relatives who live in your home are automatically covered while driving your car. Drivers specifically excluded on your policy, however, are not covered. The name of any excluded driver should appear on the coverage sheet (Declarations) of your policy.
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If I rent a truck or trailer to move, does my auto insurance provide any coverage? |
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Liability coverage for damage you do to other vehicles and property, or injuries you cause to other persons is the same as provide for a car. However, there is no coverage if the truck you rent has more than six wheels. This liability coverage also applies to a rented trailer. On all trucks with more than six wheels, we recommend you purchase the collision damage waiver from the rental company. Damage to a rented trailer is covered up to $1,000 . We suggest you purchase the coverage offered by the rental company if the trailer is worth significantly more than the limit.
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When should I add my children to my policy? |
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Your children should be added to your policy as soon as they obtain their valid driver’s license.
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