FAQs

It can, and three conditions come first where the driver is unknown. There has to have been physical contact with you or the vehicle you were in. The accident ...

Fire is typically a covered comprehensive peril, but always confirm the specifics of your policy.

Insurers must include it unless you delete it by written agreement in the form the Insurance Code prescribes, so it is required to be offered rather than required to ...

Often, yes, subject to your deductible. Some policies offer separate glass terms.

The state does not require it, but a lender or leasing company usually does.

You pay the deductible first; coverage may then help with the rest of the covered repair, up to your car’s value.

Often, yes. Minimum limits may run out quickly in a serious accident, leaving you responsible for the rest.

No. Liability typically pays for others’ injuries and property, not your own vehicle. Collision and comprehensive handle your car.

If employees drive their own cars for deliveries, sales calls or errands, or the business rents vehicles, yes. The exposure comes from the driving, not from ownership. General liability ...

Yes. For a business with no owned vehicles it is commonly endorsed onto the general liability or businessowners policy, or written on its own. A business that owns or ...