Whose slogan?
'We know a thing or two because we've seen a thing or two!"
FARMERS INSURANCE
What is the insurance that covers damage to your vehicle when it is involved in an accident with another vehicle?
Collision Coverage
My car is broken into, and stereo is taken! Is this covered under my auto policy?
Yes!
An installed stereo would be covered under your auto policy.
When is hurricane season?
June 1st- November
Wind damages my roof & it starts to leak! Do I need to wait until an adjuster arrives?
No!
You have a duty to protect your property from further damage. Take pictures and save receipts.
"15 minutes could save you 15% or more on your car insurance!"
GEICO
Insurance that covers you & your family members if you are involved in an accident with an uninsured or hit-and-run driver.
Uninsured Motorist Protection
A storm blows a tree down in my yard that hits my house, is this covered?
The house would be repaired minus the deductible and tree removal would be covered also.
Can your hurricane deductible be different than your AOP (all other perils) deductible?
Yes!
But the hurricane deductible has to be equal or greater than the AOP.
If water or sewage from the sewer backs up into my house, is it covered under my home owners policy?
No! Not automatically.
You must have the water sump-back up endorsement on your policy.
"You're in good hands"
ALLSTATE
It hails on my car and badly damages it! What type of coverage on my auto policy will be used to repair it?
Comprehensive
This coverage covers "Acts of God"
A visitor at my house trips over my sleeping dog, falls & breaks their wrist. Is this covered by my homeowner’s policy?
No, not unless you have an animal liability insurance endorsement.
Can you still bind a policy during hurricane season?
Yes!
As long as there is no binding suspension currently in place. (usually due to an active named storm)
My 10-year-old tv gets blown out by lightning. My policy says I have "ACV" actual cash valve for items. What will I receive?
The depreciated value of a 10-year-old tv!
Replacement cost will replace a brand new one.
"Like a good neighbor, ____ ____ is there!"
State Farm
Are windshields "free" in South Carolina?
Technically yes.
Windshield repair is covered under comprehensive insurance in SC and does not have a deductible.
I loan my car to a friend. They run a stop sign and hit another vehicle, resulting in damage and injury to others. Whose insurance is going to pay for this?!
Yours.
Auto insurance follows the car, personal injury protection follows the person.
A hurricane causes water from a nearby creek to overflow its banks & flood your home. Your house isn’t in a flood zone & you dont have flood insurance. Your homeowners policy will pay?
Nothing!
As a general rule, if water touches the ground before it comes into your house, it’s not covered by a homeowner’s policy. You need a separate flood policy for that.
I have $10,000 worth of guns and $15,000 worth of jewelry. Is it covered under my homeowner's policy?
No!
It is limited to lower amounts unless you buy additional coverage.
"________ is on your side"
NATIONWIDE
I traded in my white 2020 Volvo for a red 2020 Volvo. Will the color make my insurance increase?
No!
This is a myth, the color of the vehicle does not affect the rate.
You’re deep-frying a turkey for Thanksgiving. Unfortunately, your house is 10 feet from the fryer pot, and your guests get a helping of melted siding with their dinner. Would this be covered under your HOI?
Yes, unless there is speculation that the fire was intentionally set.
Is your home still covered by insurance if you evacuate due to an active Named Storm?
YES!
If you choose or are forced to evacuate, your home is still covered.
Your home gets flattened by an earthquake. Your homeowner’s insurance will pay how much?
NOTHING!
Earthquakes are not covered under standard homeowner’s policies. Coverage is available either in the form of an endorsement or as a separate policy for homeowners.