Why haven’t my physical damages premiums decreased as my vehicle ages?Ī. You may personally receive a lower or higher rate based upon various factors. Probably because the insurer increased its overall rates because it has paid out more losses than expected. Why have my rates gone up when I haven’t had an accident and/or claim?Ī. Check with your agent for any other discounts your insurer may offer.
#Word vs word insurance fax laws driver#
Yes, the College Graduate Discount and Defensive Driver Discount for those insureds 55 and over who have successfully completed a course approved by the Office of Driver Services. Are there any discounts that must be offered?Ī. Collision coverage protects against damage to your automobile when it is involved in an accident. Comprehensive coverage protects against damage to your automobile from acts of nature or other events not associated with operating the automobile. You may also purchase comprehensive and collision coverages. Personal Injury Protection provides you with wage loss, death benefits and medical coverage regardless of fault.Ī. Underinsured motorist coverage gives you additional protection if the other driver is at fault and doesn’t have enough coverage to cover your injuries. Uninsured motorist coverages cover you and your automobile if the other driver is at fault and does not have liability insurance. When you apply for liability coverage, you must be offered an opportunity to purchase coverage for uninsured motorist bodily and property damage, underinsured motorist coverage for bodily injury and personal injury protection coverage. The minimum liability you are required to carry by law is $25,000 per person for bodily injury, $50,000 per accident and $25,000 to cover property damage to other’s property.
Liability coverage pays for any claims when you are at fault in an accident. Every automobile owner must have liability coverage.
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