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Frequently Asked Questions


What should I do if I’m involved in a accident?



What does it mean when a car is “totaled”

After an accident or theft recovery, if the insurance company decides your car is “totaled” it means the estimate of the car exceeds the car’s value. The insurance company will likely send you a check for your car’s value. They will keep your car unless you make arrangements to buy it back “as is”.

What should I do if another driver hits my car?

If you were not at fault in the accident, you will make a third-party claim to the at-fault driver’s insurance company. Because you are the claimant, the insurance company typically will issue the check directly to you. It’s your responsibility to pay the repair shop, and the lender if you have a car loan. If the other driver doesn’t have auto insurance, your uninsured motorist coverage will take effect.

How do I handle a claim if I cause an accident?


What happens if my car is stolen?


If your policy has provision for replacement transportation, you may be required to pay for rental car out of your own pocket and then submit a claim to the insurance company for reimbursement.

What effect does my driving record have on my auto insurance?




Why would I want to buy more insurance than safe law requires?

If you are found to be liable for an amount greater than the coverage limits of your policy, you must pay the difference. If you don’t have enough cash, the injured party can go after your home, finical assets, and even future earnings. It’s wise to consider increasing your liability limits when you own a house or other valuables assets.

Why does a high deductibles cause my premium to go down?

Generally, the more risk you assume, the less risk you assign to be insurance company, which charges according to how much risk it is insuring against. A deductible is the initial dollar amount of a loss that you must assume before the insurance company will pay your claim. Auto insurance deductibles typically range from $250, $500 or $1,000.

Why does my insurance company want to know my age?


Just as a teenager will have to pay more for being young and inexperienced, drivers can expect to pay less as they reach the age range where they are statically the safest on the road, roughly from ages 40 to 55. In some cases, rates may go up as a driver becomes elderly.

Can I Insure my boat?

Yes. Recreational boat insurance is similar to automobile insurance. You can purchase liability coverage and physical damage coverage. Some policies also offer medical payments, uninsured boater coverage, and legal defense coverage. If you borrowed money to buy the boat, your lender will probably require you to carry insurance.

I am retired, but I work part-time s a handyman. Do I need special insurance coverage for my truck, which I use when I’m hired to make repairs?





A non-renewal means only that your company does not want to offer you a policy any longer-possibly because of your driving or claims record over the last three to five years. More than likely, you will find other insures that are willing to provide insurance at a higher price. The insurance company may cancel your policy at any time if you fail to pay your premium, lose your driving privileges, or have not accurately reported the facts relating to your level risk. A cancellation will make it hard to get insurance for a long time to come.

My State requires minimum insurance coverage of 30/60/25. What does that mean?

Minimum liability limits of 30/60/25 refer to $30,000 bodily injury liability per person, $60,000 per accident, and $25,000 for property damage. Insurance requirements vary from State to State.

I plan on driving through several States during my next vacation. I carry the minimum coverage allowed by my State, but will my insurance cover me if I have an accident in another State while I am away?

Clearly, the laws concerning insurance coverage can vary greatly from State to State. It might be comforting to know that if you have the minimum auto liability coverage for you home State, but are involved in an accident in another State, your policy will generally adjust to meet that state’s minimum legal requirements. Contact one of Premiere’s agents to verify if the company you have your insurance with covers this.

  • Bodily Injury Liability- Pay for medical expenses, legal expenses, and judgment against you when you or your car is involved in an accident that causes the injury or death of another person.

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