What type of coverage do you need?

Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What does "full coverage" mean?
  2. Am I covered if I rent a car?
  3. What is an Adjuster ?
  4. Personal Auto Coverages
  5. What is a Insurance Binder ?
  6. What is Bodily Injury coverage ?
  7. What is an Insurance Broker?
  8. What is a Deductible ?
  9. What is an Endorsement ?
  10. What is a Escrow Account ?
  11. What is Flood Insurance ?
  12. What is Fraud ?
What does "full coverage" mean?

This is an oft misinterpreted term, and doesn’t refer to a policy that covers “everything.” Instead, full coverage typically refers to a policy that includes both liability coverage and COVERAGE for damage to your Vehicle or Property.

Your Auto/Car insurance Policy Declaration page lists the coverage you have selected, and a our agents can help you select Auto insurance coverage that fits your needs and budget.



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Am I covered if I rent a car?
Car rental agencies charge daily fees for their own insurance to damages in your rental agreement. However, it is possible that your current auto policy provides rental car coverage. This typically varies by Insurance company, so check your policy or contact our local Nona office for more details.

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What is an Adjuster ?
An individual employed by a Insurance Company to evaluate losses and settle policyholder claims. These adjusters differ from public adjusters, who negotiate with insurers on behalf of policyholders, and receive a portion of a claims settlement. Independent adjusters are independent contractors who adjust claims for different insurance companies.

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Personal Auto Coverages

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:

  1. Bodily injury liability, for injuries the policyholder causes to someone else.
  2. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car.
  3. Property damage liability, for damage the policyholder causes to someone else’s property.
  4. Collision, for damage to the policyholder’s car from a collision.
  5. Comprehensive, for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
  6. Uninsured motorists coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.


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What is a Insurance Binder ?
Temporary authorization of coverage issued prior to the actual insurance policy.

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What is Bodily Injury coverage ?
Portion of an auto insurance policy that covers injuries the policyholder causes to someone else.

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What is an Insurance Broker?
An intermediary between a customer and an insurance company. Brokers typically search the market for coverage appropriate to their clients. They work on commission and usually sell commercial, not personal, insurance. In life insurance, agents must be licensed as securities brokers/dealers to sell variable annuities, which are similar to stock market-based investments.

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What is a Deductible ?
The amount of loss paid by the policyholder. Either a specified dollar amount, a percentage of the claim amount, or a specified amount of time that must elapse before benefits are paid. The bigger the deductible, the lower the premium charged for the same coverage.

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What is an Endorsement ?

A written form attached to an insurance policy that alters the policy’s coverage, terms, or conditions. Sometimes called a rider.




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What is a Escrow Account ?

Funds that a lender collects to pay monthly premiums in mortgage and homeowners insurance, and sometimes to pay property taxes.




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What is Flood Insurance ?

Coverage for flood damage is available from the federal government under the National Flood Insurance Program but is sold by licensed insurance agents. Flood coverage is excluded under homeowners policies and many commercial property policies. However, flood damage is covered under the comprehensive portion of an auto insurance policy.




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What is Fraud ?

Intentional lying or concealment by policyholders to obtain payment of an insurance claim that would otherwise not be paid, or lying or misrepresentation by the insurance company managers, employees, agents and brokers for financial gain.

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