FAQ
Get Quick Answers to Popular Questions!
Do you offer free consultations to new customers?
We offer free consultations to any line of business. Please don't hesitate to contact us and make an appointment
How is your business different from other agencies?
We are independent agency and we have many carriers by which we can compare and place you with the carrier that offers the best price with the right coverage.
Why do I need to buy insurance?
Without insurance you are at risk of losing your property, business and you might lose everything that you have, including future earnings in order to pay these damages. Insurance make you whole again in the event of an accident. Agree to pay a certain fee today in exchange for a guarantee from the company that will bear the burden of the uncertain loss in the future.
What does auto insurance coverage provide you?
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. Auto insurance provides coverage for: Property – such as damage to or theft of your car. Liability – your legal responsibility to others for bodily injury or property damage.
What are limits in insurance?
An insurance limit is the maximum amount of money an insurance company will pay you for a covered loss. You'll typically find that the higher your coverage limit, the higher your premium may be. Limits often apply to different types of coverage within a policy. For example: Homeowners insurance.
What are car insurance coverage limits?
Common maximum limits are: $250,000 for injuries per person. $500,000 for injuries total, per accident. $100,000 for property damage
Does liability insurance cover my car if someone hits me?
Liability car insurance does not cover any of the following: Physical Damage: Any damage to YOUR car, whether a collision or comprehensive cause of loss, would not be covered. Your only shot at getting repairs paid for are if someone else hits you and they have insurance.
What is covered under comprehensive insurance?
Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision. Comprehensive typically covers damage from fire, vandalism or falling objects (like a tree or hail).
What is collision deductible?
When your vehicle is damaged in an accident, collision insurance is an add-on coverage that pays the cost of repairing or replacing it, minus the amount of your deductible. Collisions can involve another vehicle or an object, like a guardrail or a tree.
How much should car insurance cost a month?
The average cost of car insurance is $1,426 per year, or $713 per six-month policy ($118.63 per month). Auto insurance costs vary widely based on individual rating factors. Please contact us to receive specific cost for your insurance needs.
What is difference between liability and full coverage?
The difference between liability and full coverage is straightforward. Liability insures against the damage you could cause other people or their property while on the road. Full coverage applies to damage to your vehicle. Liability coverage is a legal requirement in almost every state
What does 100k/300k/100k mean?
M & B suggest you have at least 100K/300K/100K split limit coverage. That means $100,000 of coverage per person in an auto accident, $300,000 of coverage altogether for injuries in an auto accident, and $100,000 of coverage for property damage to other people's vehicles.
Still have a question about our insurance services? Contact us now and we’ll get back to you ASAP.