FAQ

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Frequently asked questions

Please email or fax your written request to [email protected] for personal accounts and [email protected] for business accounts. Requests are handled promptly but can take up to 24 hours.

No, you don't. Your current auto policy provides rental car coverage. Persons covered to drive the rental car are the insured, spouse and resident relatives that are named as a driver on the policy declaration page.

If that accident is found to be your fault, your premium will increase.

Typically it affects the driving record for 36 months.

Yes, all registered owners can be held liable in the event of a loss.

Gap coverage is the difference between what the “blue book” value and what you owe on the vehicle at the time of a loss. Basically, when people refer to being “upside down” in their car; they owe more than it is worth.

Directly to the carrier, as stated on their billing statement.

Yes, we are licensed in almost every state.

Majority of the carriers do not offer worldwide coverage.

Business insurance

Life & Health

Unless you have a qualifying life event, you have to wait until Open Enrollment which begins November 1, 2021.

An HMO, otherwise known as an Health Maintenance Organization, emphasizes the importance of preventative care by assigning subscribers to a Primary Care Physician (PCP). A PCP provides and authorizes care. If you needed to see a specialist, for example, your PCP would authorize a visit by referral. This preventative care approach is designed to reduce health care costs. A PPO, Preferred Provider Organization, offers a broad choice of in-network providers. The network consists of many hospitals and private physicians you may choose from to access health care. As opposed to an HMO, a PPO network is designed to allow you to have more control of over your health care without a required authorization.