Frequently Asked Questions

You will need the name of all drivers that you want insured as well as their dates of birth, records of any accident that occurred in the last 5 years and violations in the last 3 years, and the liability limits on your current policy. While it is not required, it helps to have the Vehicle Identification Numbers (VIN) for all of the cars that you want insured.

You are allowed to have as many discounts as you are eligible for. There are no limits!

If that individual is licensed, he / she must be added to the policy.

No, you do not need to insure him / her specifically yet. They will be insured under the parent's insurance coverage until they get their own license. Once that happens, they must be added to your policy.

Since it is not your car, your insurance will not cover you in it. However, as long as you have the owner's permission, you are covered under his / her insurance policy.

Liability insurance usually transfers over to your rented car. So do comprehensive policies. Always be sure to ask specifically about this before renting a car.

Until the age of 25, men are on average more likely to be involved in an accident. So their premiums tend to be higher than women of the same age. Furthermore, younger drivers (both men and women) average slightly higher insurance costs than adults over 25 years of age due to limited experience and / or driving records.

First, you should call our claims department at 800-421-3535 and make a claim. Afterwards, you should let the insurance companies work out any disagreements. If there is a discrepancy with what happened or if they need any additional information, the insurance agency will contact you.

No, because the accident happened on private property. You should go to your local police station and fill out a "blue form", an accident report that you file with the state.

Uninsured motorist coverage or full coverage protects you in this type of accident. Call the police after the accident has happened and report the hit and run to them. Afterwards, fill out a "blue form" (an accident report that is filed with the state) and call the insurance claims department to report the incident.

It specifically covers accidents involving hit and runs, drivers with no insurance, and drivers with liability limits not high enough to take care of damages.

Yes, you are required by law to have 20 / 40 / 15 basic liability insurance. This means that you need $20,000 per person, $40,000 per car motorist bodily injury protection, and $15,000 motorist property damage protection.

Your liability protection should cover legal fees based on the amount of coverage that you have.

You can still get insurance but premiums will be higher because of your driving record. However, we may not be able to insure you if you have had too many accidents. Please be careful out there!

Yes, you are insured automatically with the coverage of your highest rated vehicle. However, you must still contact the insurance agency within 30 days to put the new car on your policy or your coverage will expire. You will pay no premium additional premium for the first 30 days.

Yes, if that person's permanent residence is the same as yours, you must have that person on your policy regardless of whether or not that person is a legal family member.

Personal injury protection is a type of coverage that protects personal injuries of all of those insured (or those who have permission to be driving) in a car in case of an accident. Coverage is dependent on the amount of your policy.

It is protection that can cover the costs of renting a car (regardless of whose fault an accident was) while your is being repaired or replaced. You can pay for coverage for a certain rate per day, but only for up to 30 days per accident.

No, it also covers lost wages, reimbursement for pain and suffering and other associated costs.

It can pay up to $120 for towing costs per disablement.

Legal full coverage means that you have: comprehensive coverage, collision coverage, and liability (bodily injury and property damage).

Actual full coverage (the most insurance you can get) means that you have: comprehensive coverage, collision coverage, liability (bodily injury and property damage), personal injury protection, Med Pay, uninsured motorist bodily injury and property protection, rental reimbursement and towing.

You will need the names, dates of birth, drivers license numbers and social security numbers of all drivers. You will also need proof of completion of a motorcycle safety course if you have one and the make, model, serial number, CC's and age of your bike(s).

The replacement cost is the amount of money you actually paid for the vehicle. The actual cash value is an agreed upon cash value for the vehicle. Your insurance agent can help you decide which value you should use for insurance purposes.

Maximum insurable value for motorcycles and powersport vehicles is $50,000.

You are allowed to have as many discounts as you are eligible for. There are no limits!

Up to 12 vehicles can be insured on one policy.

The answer is Yes if...you have comprehensive insurance on your bike or you have specifically purchased coverage for your custom equipment & parts. Maximum coverage on custom equipment and parts is valued at $30,000.

You are eligible for multi-vehicle discounts when you insure more than 1 bike or powersport vehicle on a policy. (10% discount for 2 vehicles, 20% for 3, and 30% for 4 to 12).

Yes. Providing proof of completion of an approved riding safety course can save you as much as 5%.

Our policies can include coverage of safety apparel valued up to $2,000.

Yes. Besides the many benefits and discounts provided by riding organizations such as the American Motorcyclist Association, riding association members are eligible for discounts of up to 10% on their motorcycle insurance.

To get a boatowners quote, please provide the following information: names, dates of birth, drivers license numbers and social security numbers for all drivers. The insurance company will also need to know whether the boat has a single owner or multiple owners. Required boat description information includes: type, make, model, serial number, hull number, boat composition (wood, fiber glass, etc), length, horsepower, top speed, location of motor (inboard / outboard), and the age of the vessel.

Your boat should be up to 50 feet in length and valued at up to $250,000. You can have up to 2 engines: 500hp in one, 1,000hp on two. Top speed can be up to 75mph (90mph for bass boats). Personal watercraft value is limited to $27,000. A single policy can cover up to 12 vehicles.

Additional coverage can include personal effects up to $5,000 and fishing equipment up to $10,000. You can also obtain additional coverage for on-water towing, roadside assistance, rental reimbursement, on-shore equipment, boat lifts & hoists and your boat trailer.

Absolutely! Some of the discounts that may be available to you include: boater safety course, diesel fuel, multi-boat, multi-policy, fire extinguishers, and on-board radio.

Take a picture of the accident and the damage (if possible). If another vessel was involved, exhange information with the other party. Then get your boat to safety, file a report, and call our toll-free claims number to report the incident.

Total loss replacement is a type of physical damage policy available for all new boats purchased within the last 13 months that are less than or equal to 2 model years old. Boats under 10 years old are eligible for a replacement policy based on agreed value.

You can make sure that your valuable fishing equipment is covered by obtaining an add-on endorsement specifically designed for it! Equipment can be insured for up to $10,000.

Up to 12 vehicles are allowed on one policy. By insuring multiple vessels or watercraft on one policy, you become eligible for a multi-boat discount!

Safety on the water is serious business. Some items which can help your friends and family be more safe on the water include fire extinguishers and a ship to shore radio. Always be sure to have enough properly sized life jackets for everyone on board, keep your vessel well maintained mechanically and structurally, and never drink alcohol while you are operating your vessel!

Sure it is! Regardless of your watercraft preference (Runabout, Mini Jet Boat, Sailboat, Cabin Cruiser, Pontoon Boat, Fishing Boat, Jet Ski, Waverunner, Sea-Doo, or other personal watercraft), we've got you covered so you can get out and enjoy the water!

Diesel fuel is much less flammable than other conventional fuels, and so therefore offers greater safety out on the water.

Just as a Towing and Labor endorsement can offer peace of mind if your car breaks down and needs to be towed, On-Water Towing is available for watercraft policies.

You want to make sure that your investment is protected both on and off the road. State laws will determine where you need RV insurance. You may be required to have RV insurance in your state of residence, in the state where your RV is registered, in the state where you store your RV, or in the state where your RV is located most of the time. For many people all of these locations will be the same, but if these result in more than one location for you, be sure to confirm each state's requirements.

While your recreational vehicle likely spends quite a bit of time out on the road, its insurance needs are very different from your car or truck. Of course it is important to protect your vehicle in case of physical damage, but you also want to make sure that your living space, custom equipment, supplies and personal valuables are protected. Additional coverage is available to protect your family's vacation including travel liability and emergency travel expense coverage. And if your RV is your primary residence, you qualify for enhanced protection offered by a full-timer's policy.

Motorhomes can be insured for up to $500,000. Towable recreational vehicles such as travel trailers, campers and pop-ups have a maximum insurable value of $300,000.

Up to 12 vehicles can be insured on one policy. Multi-Vehicle discounts are available for insuring 2 to 12 vehicles on one policy.

If your RV is your primary residence, you qualify for Full-Timer coverage. This expanded coverage includes personal liability, loss assessment, medical payments to others, airbag replacement and emergency lockout protection.

Total Loss Replacement is available on new RVs purchased in the past 13 months that are less than or equal to 2 model years old. If your RV is irrepairable and qualifies for total loss replacement, your coverage will replace it with a new RV or pay you the initial purchase price depending on the age of the vehicle.

Actual Cash Value (also called market value) is the actual cash value of the RV at the time of the loss.

Agreed Value is mandatory on vintage, limited or vehicles not available through vehicle look-up. Under this option, the total loss payout is equal to the agreed value of the RV based upon your policy. Proof of value is required and can be satisfied by an appraisal for RVs more than 2 years old.

Recreational Vehicles include motor homes, fifth wheels, travel trailers, campers and pop-ups.

Vacation Liability pays (within specified limits) for liabilities that you are responsible for while using your insured RV as a vacation residence.

If you have trouble while out on the road vacationing in your RV, emergency travel expense protection covers the cost of a rental car and / or lodging expenses while your RV is being repaired. If your RV is not repairable, this coverage can also provide you with transportation back home.