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
via the web, or come and visit us at a location near
you.
| Why do I have to match coverage on all cars?
You must match liability limits on all your cars because liability coverage insures you not your vehicle. This liability limit follows you worldwide for acts of negligence regardless of the vehicle you are in.
You may select different coverages for the vehicle but that would be Comprehensive and Collision coverages. Those two items actually do pertain to the car itself.
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| Why do I need to send you proof of other insurance to cancel my policy?
We require proof so that we can make certain of the cancellation date ensuring that you do not pay for duplicate coverage.
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| Why do I need a flood policy?
60% of Flood Claims occur in a preferred flood zone. You are only required to carry flood insurance if you are in a high risk zone, but we feel as your agent, everyone should carry flood insurance because the majority of flood losses occur outside of the mandatory zones. Also, your home insurance policy does not offer any protection from rising water. We want to make sure we inform you about the risk of a loss happening from water rising.
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