FAQ
If I rent a vehicle, will it be covered under my auto policy?
Your policy does extend coverage for rental cars, however, there may be exclusions that apply. Please call our office for additional information prior to renting the vehicle.
Am I covered if I drive into Canada?
Your policy does provide coverage when traveling in Canada. A specialized ID card is not necessary.
Do I need to let my agent know when my teenager gets his license?
Yes.
What is the difference between Comprehensive (other than Collision) and Collision coverage?
Comprehensive covers a loss due to fire, theft, vandalism, falling objects, and damage from an animal. Collision covers a loss caused by collision with another object or overturn.
Why is the coverage on my house so high?
Replacement Cost Coverage is determined by the current cost of building materials to repair or rebuild your home should you have a loss. In some instances, replacement cost could exceed the current market value/assessed value of your home.
Is a flood covered under my Homeowner's policy?
No. A separate flood policy would need to be purchased.
Does my Homeowner's policy provide coverage if water backs up into my basement through my sewers and drains?
No. However, an endorsement can be added to your policy that would provide coverage.
What to do in case of Deer Hits?
- Check for injuries & call 911 if you are hurt
- Call your local police for assistance
- If uninjured, make sure your car is safely off of the road and out of the way
- If uninjured, check your vehicle and make note/take photographs of any damage
- Notify your insurance company
- Leave any blood, fur, etc. on the vehicle, and do not try to wipe it off
- DO NOT go near the animal, even if it appears to be dead. This can be dangerous
Prevention:
- WEAR A SEATBELT AT ALL TIMES
- DRIVE SLOW in inclement weather, and proceed cautiously at night
- Use your high beams when there is no oncoming traffic
- Both hitting a deer and trying to avoid it can cause great injury to you
- Honk your horn if you can, with one long blast
- Try not to hit the deer straight-on, but instead clip it at an angle if you cannot avoid it
- Be aware of the traffic behind you. Slow down/brake hard if there is enough distance between cars
- Remain in the same lane, as you run the risk of head-on or side-lane traffic collisions
Important Facts:
- Deer are most active two hours before dawn, and two hours after dawn
- Seasonably, deer are most active during October through December
- Deer usually travel in packs. Be mindful of multiple deer crossings
- Crashes are just as likely to happen due to hitting another car while avoiding deer
