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Frequently Asked Questions (FAQ)

Q: Will my rates increase if I turn in a claim?

A:  It will depend on the insurance company, type of policy and the type of claim. 

If you discover your insurance policy covers a certain loss and the cost to repair the damage is greater than your deductible and the impact on your insurance policy premium will be less than the cost of the claim, you should consider turning in the claim. Insurance companies are  generally more concerned with claims frequency than the severity of the claim.  

Your individual health insurance carrier will not raise your rates due to claims.
Your auto insurance carrier may raise your rates if you are at fault in an accident, even if there are no injuries. 
Typically auto insurance policies allow you to turn in auto physical damage claims not caused by you with minimal or no impact to your premium.

Q: Can I drive anyone's car and be covered on my own policy?

A:  Most quality auto insurance policies will extend coverage for you to drive with permission any private passenger vehicle in the US and Canada.  In California, if you drive someone else's vehicle and are involved in an accident the vehicle's policy is primary and your auto policy will be secondary.

Q: My home is located in a high risk fire area.  Can I purchase homeowners insurance?
A: Yes, no matter where your home is located in California, as long as it is habitable, even if it is a rental home or a secondary home, we can find you a policy!
Q:  If I've been cancelled by my insurance company, can I still find new coverage?
A:  Yes, we have access to many different insurance companies.  Please contact us for a quote!  It's best to keep all documentation regarding your cancellation as we may ask to see it.
Q: Do credit scores impact my Homeowners & Personal Auto Insurancee rates?
A: Not in California! 
Q:  What insurance do I need for my small business?
A: You may need one or more of the following, depending on the type of business:
  • Property Insurance
  • General Liability Insurance
  • Business Auto Insurance
  • Workers Compensation Insurance
  • Errors and Omissions Insurance (E&O)/Professional Liability Insurance
  • Employment Practices Liability Insurance (EPLI)
  • Directors and Officers Liability Insurance (D&O)
  • Business Identity Theft Insurance