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How do I keep my insurance company from canceling my policy?
Maintain a clean driving record, and consider investing in special safety and security
features for your car. A defensive driving course is a good consideration if you have
been in a accident.

What happens when I loan my car to someone? Is that person covered by my policy?
Am I still covered?
Yes. Liability and coverage for Physical Damage (i.e. Comprehensive and Collision) always
follow your car. Plus, if the driver of your car is insured, his/her policy will also be available to
cover the cost of damages and injuries.

The same rules apply when you borrow someone else's vehicle; your own insurance follows you
no matter whose car you're driving. But the vehicle owner's policy is the key coverage in the
event of an accident.

Am I covered for natural disasters or “Acts of God”?
Comprehensive insurance, which covers you for fire and theft, generally covers you against
damage by flood, earthquake, hail, and other natural perils, except when your car is overturned (which is technically considered a collision). If you have specific concerns about the safety of your vehicle in natural disasters, contact us for information on catastrophic coverage.

How can I challenge my Insurance Company if they refuse to cover a claim?
Usually, insurers that refuse to cover a claim have a strong legal reason for doing so
— even if you disagree. First, contact us if you feel you're being treated unfairly. Your
agent is your strongest advocate in insurance matters. But if it's a legal problem,
you might have to hire a lawyer.

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