Frequently Asked Questions

1. What factors can affect the cost of my automobile insurance?
2. How much bodily injury liability coverage should I carry on my auto insurance?
3. What about damage to someone else's property?
4. What is the difference between collision coverage and comprehensive coverage?
5. Suppose I lend my car to a friend, are they covered under my automobile insurance policy?


1. What factors can affect the cost of my automobile insurance? A number of factors can affect the cost of your auto insurance, some of which you can control and some of which are beyond your control. The type of car you drive, your driving record, and where you live can all affect how much your auto insurance will cost you.


2. How much bodily injury liability coverage should I carry on my auto insurance? You could be sued for much more than the state minimum limits of $20,000/$40,0000 for bodily injury to others. Buying higher limits depends on your personal financial situation. Typically, limits of at least $100,000 per person $300,000 per accident are selected.


3. What about damage to someone else's property? With the rising cost of automobiles and repairs, it makes sense to purchase more than the required $5,000 minimum limit. This can be done for a very minimal cost. Limits of $100,000 are typically purchased.


4. What is the difference between collision coverage and comprehensive coverage? Collision is defined as losses you incur when you auto collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage. Comprehensive provides coverage for most other direct physical damage. Most commonly fire, theft, vandalism plus glass coverage with no deductible.


5. Suppose I lend my car to a friend, are they covered under my automobile insurance policy? Whenever you knowingly loan your car to a friend or an associate, they will be covered under your automobile insurance policy.