The following information, although a reasonable description of the coverage provided, does not constitute part of the policy or binder of insurance and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details.
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Why do I need to give so much personal information?
We only collect information necessary to provide accurate insurance rates.
Access to your information is limited to people involved in processing this information such as our sales, customer service, underwriting or claims associates.
It is not our practice to request personal information solely for marketing purposes.
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Why do my rates increase, as my car becomes older?
Even though a car ages, replacement cost, repair cost, and hospital expense consistently rise. Therefore, claim costs are much higher today than even five years ago.
Some policyholders who have older cars, and have paid off their loans, may choose to control their insurance costs by removing the comprehensive and collision coverage on those cars or raising their deductibles.
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What other ways can I save money?
We offer several auto and home discounts/credits* to save you money which may include:
- Anti-Theft Device
- Anti-Lock Braking System
- Airbags
- Auto-Home Multi-Policy Discount
- Good Student
- Group Discount
- Multi-Car
- Student Away at School
- Payroll deduction
- Renewal Discount
- Safe & Sound® Discount
- Senior Operator/Defensive Driver
*Available in most states to those who will qualify.
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What is a Declaration Page?
The part of your written policy which includes your:
- Name
- Address
- The property that is being insured, its location and description
- The policy period
- The amount of insurance coverage and the applicable premiums.
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What is a Deductible?
Deductible is the amount of the loss that the insured is responsible to pay out of their pocket for the loss. You may choose a higher deductible to lower your premium.
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What is a VIN?
The specific number assigned to the vehicle by the manufacturer.
This number may be found on the registration, title, inside the driver's door on a silver tag on some models or on the small plate at the base of the windshield in front of the steering wheel.
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What do I do if I have an accident with my vehicle?
1. First check for any injuries and get yourself and your passengers out of harms way
2. Call the police
3. Do not admit responsibility or divulge your policy limits
4. Collect the name and address of each driver, passenger and witness.
5. Write down the year, make, model, license number, insurance company and policy number for all vehicles involved in the accident.
6. Draw a diagram of the accident
7. Report the accident to the company as soon as possible, regardless of fault and even if the damage is minor.
8. Call 800.637.2782 and follow the directions to report a loss
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Does my auto policy automatically cover towing and rental reimbursement due to a loss?
Towing coverage is an optional coverage and must be purchased separately. Transportation Expense (rental reimbursement) is also an optional coverage and must be purchased separately. However, Transportation Expense is automatically provided if your auto is stolen and you have Comprehensive coverage on the stolen vehicle. Transportation Expense is provided for this type of loss up to the specified amount stated in your policy.
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