Ask An Agent
All Questions
Compare auto insurance rates and save up to $670 per year!
What do I do if I am hit by another driver and they refuse to provide me their insurance information?
Regardless of the amount of damage caused in an accident, drivers should still exchange insurance information. Normally if the police are called and a report is written the information of both drivers is documented, including insurance information. You can request a copy of the police report which …
Is it necessary to get umbrella insurance with uninsured / uninsured coverage?
Umbrella insurance provides additional liability coverage above and beyond what you have on your auto and homeowners policies. This protects your assets if you are sued for injury or damage that you may have caused to another party for which you are liable. Umbrella insurance generally does not pro…
How do I handle an accident where the person I hit is claiming more damage than what was actually caused?
If you are filing a claim with your insurance company then the simplest solution is to provide them with pictures of the damage from the accident scene. They will investigate the accident and pay for any damage for which you are liable. Whether or not they cover the damaged tail light will not make…
How do I sell my car to an out-of-state buyer?
You will need to transfer the title of the vehicle to the new buyer. It is important that you fill in all of the appropriate areas required in the title certificate when selling the vehicle to another party. Once the buyer has the title in their name then they will need to title and register the ve…
Will filing a full glass coverage claim to repair my windshield cause my premiums to rise or count as a claim at renewal?
While excessive claims can cause your rate to increase or impact your ability to find coverage with other companies, one single glass claim is unlikely to cause much, if any, impact. Generally, glass claims are the least likely to cause a rate increase or a non-renewal with your current company. If…
What should I do with my insurance if my car is repossessed?
Since you no longer have possession of the vehicle then technically you could cancel your policy. It's important to keep in mind, though, that if you have been continuously insured for 6 months or more you will lose a discount if your policy cancels. If you were not planning on getting another vehi…
Can I file a claim with my insurance company if I've already paid for repairs to my vehicle?
Even if you have paid for the repairs on your vehicle, your insurance company should cover the damage you caused to the other driver if your policy was active at the time of the crash. I would recommend not paying the other party anything until you've contacted your company to start the claims proc…
Can I sell my used car to someone with no insurance?
He can purchase the vehicle from you without insurance, but technically the car has to be insured before can legally drive it on public roads. If not, he could be ticketed for driving uninsured. Once ownership changes hands via the title of the vehicle then you can't be held responsible for anythin…
How does my insurance company handle a claim if I hit a car that was already damaged?
After any sort of collision, it's always recommended that you take pictures at the scene. Pictures should be taken of both vehicles, the location of the crash, and the other driver's info and license plate. When your insurance company investigates the crash and assesses the damage on the car that y…
If I cancel a policy less than 24 hours after starting it, will I get a refund?
The state of Florida requires that insurance companies refund at least 90% of the unearned premium paid by a customer if they receive a request to cancel. There are instances where a company may include the policy's fees within the first month so your refund can vary depending on which company you'…
