FREQUENTLY ASKED QUESTIONS
IS CAR INSURANCE MANDATORY?
In most states car insurance is required on some level. The minimum amount of coverage can vary from state to state. New Hampshire and Virginia are the only states that currently do not require that drivers buy auto insurance. In the state of Arizona is is mandatory to have car insurance and you will be fined if you are pulled over and cannot provide proof of insurance. Click here for more information about the importance of getting car insurance.
DOES MY INSURANCE COVER RENTAL CARS?
Comprehensive and collision coverage extends to rental cars however liability insurance does not. You should check with your policy before renting a car to understand exactly what is covered and what is not. Many credit cards offer rental car insurance free of charge. You can learn more about rental cars and insurance by reading our blog "How does insurance work with rental cars?".
SHOULD I ATTEND DRIVING SCHOOL IF I WAS ISSUED A SPEEDING TICKET?
Yes, we would highly recommend it! Defensive Driving School is a simple four hour course that can be taken online. Your other two options are to pay the fine or fight the ticket which can be tiresome and expensive. A simple speeding ticket can significantly effect your rates which is why it is important to keep your driving record as clean as possible. Read our blog to learn more about the importance of attending defensive driving school.
WHAT DO I DO IF SOMEONE HIT MY PARKED CAR?
When someone hits a parked car they are responsible for making contact with the vehicle owner. They must either wait for the owner to return to their car or leave a note with their personal contact information, insurance information and a description of the incident. If someone hits a vehicle and does not leave this information it then becomes a hit and run situation. Take pictures of the damage and call the police to file a report. For more information click here.
WHAT IS PET INSURANCE?
Pet insurance is coverage for medical bills on your pet. All dogs and cats 8 weeks and older are eligible for coverage. If you have pet insurance: when you use any veterinarian, specialist or emergency clinics: you can then submit a claim online, by mail, or fax, and receive reimbursement through direct deposit mail. Learn more about pet insurance and how it works.