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A: The deductible is the amount you pay before the insurance company becomes responsible for payment under your policy. For example, if the covered claim is $1,000 and your deductible applicable to that coverage is $500, you pay $500 and then your insurance company would pay the designated percentage they cover under your policy.
Q: Why do I need to file an insurance claim? My deductible is more than the damage encountered.
A: There may be damages or injuries that are not discovered until a later date, so it is wise to file all claims.
Q: What information do I need to report my insurance claim?
A: Report as much information as you can to speed the claim process:
Date of the occurrence
Type of loss or damage
Location of the occurrence
Injuries encountered
Others involved
The damage to your vehicle, home, or business
Were the police, fire department or ambulance notified?
Q: What is Business Auto Liability Insurance coverage?
This coverage covers company-owned or leased vehicles.
Q: What is Umbrella Liability Insurance coverage?
Umbrella liability insurance covers damages which may not be covered under your primary insurances. This policy begins when the limits of another policy have been exhausted.
Q: What is Cancer Insurance?
Cancer insurance is a supplemental insurance that covers cancer and 20 other specified diseases: Tuberculosis, Osteomyelitis, Scarlet Fever, Tetanus, Rabies, Muscular Dystrophy, Poliomyelitis, Addison's Disease, Hansen's Disease, Rocky Mountain Spotted Fever, Undulant Fever, Diphtheria, Epidemic Cerebrospinal Menigitis, Sickle Cell Anemia, Bubonic Plaque, Typhoid Fever, Tularemia, Multiple Sclerosis, Encephalitis , Smallpox