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FAQ's - Frequently Asked Questions

What is auto insurance?
Drivers purchase auto insurance for vehicles such as trucks or cars to protect them from losses that may occur when they are driving them.

Am I required to purchase auto insurance if I own a vehicle?
If you drive a vehicle in the USA or Canada, you are legally required to purchase auto insurance.

What is the main reason for requiring auto insurance?
Auto insurance provides drivers with peace of mind, as well as financial security if they are ever involved in an accident.

How will I know the actual salvage value if my car is totaled?
You can contact a local salvage yard to get an estimate of the value. A reasonable estimate is usually 15 to 20% of the retail value of your vehicle at the time of the accident.

Which states are no-fault states?
Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah, as well as Puerto Rico, all offer some form of no-fault insurance. You should inquire with your particular insurance provider regarding details.

Can my insurance company perform a credit check on me?
Your insurance company can only perform a credit check if you have signed an authorization form permitting them to do so.

Will my auto insurance policy be valid if I drive in Canada?
Most American auto insurance policies will provide coverage if you drive in Canada, as long as you bring proof of insurance with you.

Will any property stolen from my vehicle be covered in my policy?
This depends on exactly what was stolen from your vehicle and whether you chose to purchase optional coverage. Certain items such as sports equipment may be covered under your homeowner’s or renter’s insurance, rather than your car insurance.

Will I be covered by my insurance company if I am sued?
Your insurance company will cover you up to the amount specified in your liability insurance if you or another individual driving your car ends up injuring someone or causing property damage.

How long will my claim take to process?
The length of time required to complete each claim is based on many different factors including the number of parties involved in an accident and the severity of the damage. You can contact your claims representative to get a better idea of the approximate timeframe required.

What is liability coverage?
A minimum amount of liability insurance is required in almost every state, and it differs according to where you live. Drivers are required to purchase this type of insurance to cover any losses you might cause to an individual or to someone’s property.

Why do I have to list all household members, even if they don’t ever drive my car?
Listing all residents of your household who are old enough to drive must be listed in order to protect you and your insurance provider.

Am I required to purchase auto insurance if I own a vehicle?
If you drive a vehicle in the USA or Canada, you are legally required to purchase auto insurance.