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    what we do best

    We are licensed to provide insurance in a broad selection of categories

    Regardless of your needs or situation, we create tailored insurance programs to match your specific needs.

    auto insurance
    Personal vehicle Coverage
    Homeowners insurance
    insures your home's structure
    Renters insurance
    protects personal property
    Commercial auto
    vehicles used by your business.
    Ride Hailing Insurance
    Driving for Uber, Lyft or another
    Newly licensed
    and young Drivers
    F.A.Q

    Frequently Asked Questions

    Dealing with insurance can be very confusing; we've taken some of the big questions and listed them here. Always feel free to contact any of our agents with any questions you may have.

    What is in a Basic Auto Policy?

    Liability car insurance (or liability coverage, as it’s also known) helps pay for the costs of the other driver’s property and medical injuries if you are “at fault” in an accident. Your insurer will pay for the property damage and injuries up to the covered limit.

    Cancellation

    Insurance companies cannot cancel a policy that been in force for more than 60 days unless:

    • Failing to pay your premium in a timely manner
    • You have committed fraud or made serious misrepresentations on your application
    • Losing your ability to drive because your license was suspended or revoked, or because it expired during the term of the policy.

    Non-Renewal

    If your auto insurer decides not to renew, it is usually because you filed too many claims for at-fault accidents, or you were convicted of driving under the influence, or you were cited for too many traffic violations during the previous three to five years.


    Similarly, your auto insurer has between 10 to 30 days to send written notice of non-renewal. In this document, they should explain why they choose not to renew. If they don’t note why, always request an explanation from your insurer. The one advantage non-renewal has over cancellation is that it is less of a deterrent in finding another company to provide you with auto insurance coverage.

    If you have a personal car insurance policy, it includes liability coverage and any additional coverage you've opted for, such as comprehensive or collision. That coverage may extend to your rental car, as long as you drive it for personal use. The coverage limits and deductibles on your personal policy also apply to your use of a rental car.

     

    • Liability Coverage helps pay for another person's medical bills or damage to another person's property if you cause an accident in your vehicle (or your rental vehicle).

    • Comprehensive Coverage helps pay to repair your vehicle (or your rental car) if it's damaged by a covered peril, such as theft, wind, fire or natural disasters. Your comprehensive coverage's deductible will apply.

    • Collision Coverage helps pay to repair your vehicle (or your rental car) if it's damaged when you collide with another vehicle or object, such as a fence or a tree. Your collision coverage's deductible will apply.

    Yes, but only when you are not engaged in Periods 1 through 3. Personal auto insurance coverage only applies when you are using your vehicle for personal transportation and aren’t engaged in commercial activities.


    Personal auto policies don’t provide coverage when transporting passengers for hire, which includes Periods 1, 2 and 3 above. In fact, most personal policies specifically exclude this type of activity, which means you probably won’t be covered if you get into an accident.

    Yes. Personal auto insurance policies do not cover commercial driving (i.e., working for hire to transport passengers) nor do TNC companies cover personal driving; leaving a potential gap in insurance for ride-hailing drivers during Period 1 of the paying passenger cycle. This means that if drivers get into an accident during Period 1, they may have to pay to repair any damage to their vehicle.


    Also, the TNC liability coverage, for bodily injury or death, is capped at $50,000 per person and $100,000 per accident during Period 1. For property damage resulting from an accident, the amount of coverage available will be $30,000. These limits may vary by state. If the ride-hailing operator’s personal auto insurance policy includes coverages beyond these limits, those additional amounts will likely not apply.