In most states, if you’ve been accident-free for three to five years, you may qualify for Accident Forgiveness program*. That means we won’t add a surcharge to your premium after your next at-fault accident and you’ll get to keep any of the good driver discounts you’ve earned.
It pays for damage to your car from theft, vandalism, flood, fire or other covered perils. This coverage is subject to the terms, limits and conditions of your policy contract.
• being locked out of your car
• towing not related to an accident
• having a dead battery re-charged
• inflating a flat tire
• filling an empty gas tank.
An automobile insurance option that comes into play when your vehicle is stolen or totaled. Gap insurance covers the “gap” or difference, if any, between your car’s actual cash value and what you still owe on it. You may want to check with your financing company to see if you have gap insurance or if it is available to you.
The liability examiner handles the investigation of the accident. These examiners’ responsibilities can include collision payments, property damage payments, and bodily injury settlements. In some states, these examiners may also handle the medical portion of your claim.
It provides protection from losses resulting from owning and operating motorcycles.
An international non-profit organization dedicated to motorcycle safety training, research and awareness.
Auto and Property Insurance for those living abroad is available from American International Underwriters.
If your car is damaged because of another driver’s negligence and you us to settle the claim for damage to your vehicle, we will seek to recover your deductible and our payments from the other party. This process of payment recovery is also called subrogation.
The Payment Recovery Examiner is responsible for recovering your deductible from the other party’s insurance company.
Primary insurance acts as the first layer of coverage on common types of losses. This usually includes auto, motorcycle and homeowner insurance, but may also include boat insurance, commercial liability or some other policy. Please check your insurance policy documents for more detailed information.
Pays for damage to someone else’s property resulting from an accident for which you are at fault and in most cases provides you with a legal defense. This coverage is subject to the terms, limits and conditions of your policy contract.
Optional coverage that helps pay rental vehicle costs when your insured vehicle is disabled as the result of a covered accident or loss. Available to most policyholders for an additional premium. In Virginia, the term Rental Reimbursement is known as “Transportation Expense.”
Body shops chosen by your insurance agency that are authorized to handle the repair of insured vehicles without the need for an inspection by a staff adjuster. Vehicle owners always have the right to choose the body shop of their choice.
Individual who is employed to handle claims.
If your car is damaged because of another driver’s negligence and you ask us to settle the claim for damage to your car, we will seek payment recovery (including your deductible) from the other party. This process of payment recovery is called subrogation.