General Insurance

What does Rate Lock mean, and can I make adjustments to collision and comprehensive deductibles?

"Rate Lock" is a term defined by the specific company that is offering that type of feature — I believe it's Erie that offers this. This feature will "lock in" your rate, even if you file a claim, until changes are made to your policy (i.e.

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Coverage & Claims

Which portion of insurance policy pays for hit and run?

Your uninsured motorist physical damage coverage would pay for the damages. The insurance company typically will require a police report for the uninsured motorist coverage to pay.

Coverage & Claims

Will my company find out about a car accident if I don't file a claim?

Your companies insurance company can find out about the incident if you file a claim. Most insurance companies report claims to CLUE, which is a database that holds claims and insurance information to be shared amongst insurance companies.

General Insurance

Why does my premium change when I change my address?

Insurance is zip code specific - so moving from one zip code to another can cause your premium to change. Especially if you move into a more crowded urban area (like a downtown area) because there are new factors of risk your insurance company has to compensate for.

General Insurance

What's the difference between an insurance carrier and an insurance agency?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;The word carrier in terms of insurance is just a synonym for company. An insurance carrier is the company that covers your vehicle and is listed on your policy.
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