Fequently Asked Questions
Most insurance companies require mechanical inspections on vehicles 12 yeas of age or older but please contact your broker to confirm. A VIR form is attached for your use.
Can I Lend my Vehicle to my Friend? Will They be Covered?
If you lend your car out, you also lend your insurance. If anything happens, the driver of the vehicle must hold a valid driver’s license and meets the other conditions of your policy in order for the insurance policy to cover a claim.
If your friend is involved in an at-fault accident while driving your car, it can affect your premium.
If you lend your car to someone, remember that your auto insurance coverage may not apply if he or she does not have a valid driver’s license.
What is a deductible?
A deductible is the portion you are responsible for paying in the event of a claim. For example, if your car insurance policy has a $1,000 deductible for collision and there are $5,000 in damages, you will pay the first $1,000 and the insurance company will pay the remaining $4,000.
What is cyber insurance?
Cyber-insurance is an insurance product used to protect businesses and individual users from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities.