Physical Damage Coverage and your Car Insurance Policy

by agency | Mar 4, 2019 | Auto Insurance Basics, Insurance Advice, Liability Insurance

What is Physical Damage Coverage on a Car Insurance Policy? Physical Damage coverage on your auto insurance policy is coverage for damage done to your car. Now if someone else is at-fault, then their auto insurance would most likely pay for the damage. But when that...

What To Do In a Hit-and-Run

by agency | Feb 25, 2019 | Auto Insurance Basics, Insurance Advice, Liability Insurance

Does My Auto Insurance Cover a Hit-and-Run Accident? A hit and run accident is any accident in which a driver intentionally leaves the scene without providing contact information.  Hit-and-run accidents happen and they are terrible. You go into a shopping mall and...

Watch Your Credit Rating and Car Insurance Premiums

by agency | Feb 18, 2019 | Auto Insurance Basics, Finances, Insurance Advice

Does My Credit Rating Influence My Car Insurance Premiums? Factors that Affect Your Auto Insurance Rates The following rating factors are among a number that influence your auto insurance premiums: Age or driving experience; How your vehicle is used; Driving and...

Do I Pay More in Car Insurance if I’m Young?

by agency | Feb 11, 2019 | Auto Insurance Basics, Insurance Advice, Liability Insurance

Will I Have to Pay More for Insurance Because I’m Young? In general, the answer is no. However, there are situations where premiums may be higher due to factors incidentally related to a prospective insured’s age. These things are generally related to perceived...

What if Someone Else is Driving My Car?

by agency | Feb 4, 2019 | Auto Insurance Basics, Insurance Advice, Liability Insurance

Does My Auto Insurance Pay if Someone Else is Driving My Car? It can be confusing to understand who is covered under your own policy to drive your vehicle. Basic Rule Though policies will vary, the general rule is that anyone living in your house is typically covered...

Why MedPay Coverage is Helpful to You

by agency | Jan 28, 2019 | Auto Insurance Basics, Finances, Insurance Advice, Liability Insurance

What’s the difference between Bodily Injury Coverage and Med Pay? When reviewing policy coverage, one of the most common questions is:  What is the difference between liability coverage and medical payments coverage? Medical Payments Coverage – Confusion Medical...