AUTO
What coverage will cover you in a Rental Car?
Auto Insurance Coverage. You will be covered with the same coverage used for your personal auto insurance.
NOTE: Rental car companies do have the right to charge you for Loss oof Use. If you are at fault for an accident, they can charge you a daily fee until the car is back in service for rent. Check into Collision Damage Waiver (CDW)
If your neighbors tree falls on your home, who is responsible for the damage?
The neighbor is responsible for the damages because of liability if they are cutting trees or any vegetation. Therefore, your insurance will pay for the damages for your home.
What is the amount you will pay before your insurance will cover a claim?
Deductible
What covers personal items stolen out of your car?
Your Homeowners.
Make sure the items stolen are worth filing a claim for, because theft will have a high claim rate and some companies will not write someone with a theft claim
What coverage pays for my family if we have to be moved to another property to live in? Does it include food cost?
Loss of Use will cover the cost. They will also cover food cost, just not your $500 dinners. Also, depending on how long the repairs to your home will take, depends on if they put you in a hotel, or another house.
What provides extra Liability Coverage above your standard policy limits?
Umbrella Policy
If I am hit by someone who does not have insurance or is under insured, what coverage can I use for medical bills and how much coverage do I have if I own 2 autos?
Uninsured Motorist.
In Alabama, yout unisured motorist coverage will stack up to 3 cars. If your coverage is $25,000/$50,000 you will have $50,000/$100,000.
You can also file for pain and suffering and missed wages.
If you have damage from any Peril (wind, water, etc.) what is your obligation?
Try and minimize the damage as much as possible without puttying yourself in harm, and call your agent before you call and make a claim.
How often should you review your Insurance Coverages?
Yearly
If I am driving and hit a pothole, will my auto insurance cover the damage?
Yes, you will have to get an estimate for the damage and file a collision claim.
Remember, collision claims will affect your rates and some companies will go back 5 years.
If a storm comes through and damages your pool or hardscape structures like fireplaces, gazebos, etc., what will cover this damage?
Other Structure Coverage. make sure you have enough coverage for items like this, because you can increase your Other Structure Coverage.
If you are walking in a crosswalk and a car hits you and leaves. What coverages do you have for this incident?
Uninsured motorists in most cases will cover you in this situation. You must be walking in the crosswalk and the car has to be 100% at fault in most situations.