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Frequently Asked Questions
If you think you’ll miss a payment on your home, car or other type of insurance coverage, please give us a call and we’ll contact your insurance company so they can make payment options for you as soon as possible.
No. If you put a stop-payment on your regular car insurance payments, you’re telling your insurance company you do not intend to make a payment. Alternately, contact your insurer to make payment arrangements.
As an insurance policyholder, your payment options will be determined by your insurance company. We’re available to contact your insurance company for you and provide you with a list of options.
Payment deferral is a payment amount that is pushed forward or payment that is spread out over a certain time frame (i.e. weeks or months). The payments deferred are not waived, just moved forward. You’re still responsible for paying your bills at an agreed-upon date.
If you’re driving your vehicle, you will need to carry third-party liability; we recommend carrying 2 million dollars to ensure adequate coverage. If you finance your car, your insurance company will likely require you to continue carrying collision and comprehensive coverage.
If you remove liability insurance from your car insurance policy, it means you can’t legally drive anywhere – not even to the corner grocery store.
If you omit collision insurance, you won’t be covered for a hit and run, impact with a third-party, or a single-car accident (e.g. you hit a guardrail). Without comprehensive coverage, you won’t be covered for fire, theft, vandalism or hail damage.
If you can’t pay your insurance premium, we’ll work with you to ensure you don’t go without coverage.
If you drive without car insurance and cause an accident, you’ll be responsible for paying for vehicle damage and medical expenses for all injured parties.
Sometimes. We can review your payment options on a case-by-case basis.
Premium financing is a third-party financing company. For example, if you bought a couch using your credit card, the payments would be spread out over some time, instead of having to pay for the item all at once.
Yes, insurance companies are mandated by law to keep sufficient funds available to pay for client’s claims.
We’re here to help you and happy to review, and if needed, adjust your insurance policy to reflect your daily car usage. We ensure you have the proper insurance coverage and insurance rate that adequately protects you in the event of a life change.