Here are 5 questions that you should know about your current insurance. If you can’t answer these or if your current agency is having trouble in answering these questions maybe it is time to look for a more responsive agency!!

1) What factors can affect your auto insurance policy?
· Your age and martial status
· Where you live and how you use your vehicle
· Your accident history and safety features on your car
· Your credit based insurance score
· All the above can have an affect on your policy, depending on the type of coverage and the state in which you drive

2) If you have personal auto insurance will it always cover a rental car?
· Yes
· No

3) If you let a friend drive your car and he or she is at fault in an accident, does your personal auto policy coverage damage to this other vehicle?
· Yes, coverage typically extends to the permitted user of the car
· No, my friends insurance covers it

4) What type of insurance provides coverage if a person injured in an accident decides to file a lawsuit?
· Liability coverage associated with auto and homeowners insurance
· An Umbrella Policy
· A personal catastrophe Liability Policy
· All the above

5) A flood has recently left several inches of water in your house. Does your homeowners insurance cover the damages?
· Yes
· No

10.18.2009