Frequently asked questions (FAQ)Q. What is bodily injury liability insurance?
Ans. This insurance pays in case you cause an auto accident in which others are injured or killed. This insurance covers the damages that you're legally responsible for if suits or claims are brought against you. It also covers you, your family members listed under the coverage, and anyone driving your car with your permission.
Q. What is covered in all homeowner’s policies?
- Riots & Smoke
- Vehicles & Aircraft
- Windstorms or Hail
- Fire & Lightning
- Volcanic Eruptions
- Mischief & Vandalism
Q. Does every homeowner need to have insurance?
Ans. Not every homeowner has to have insurance, but every homeowner should. A homeowner's policy covers damage to the home itself and also provides liability protection if someone is hurt on your properties and sues you.
Q. What is medical payments insurance?
Ans. No matter who caused the accident, this type of insurance pays for doctor, hospital, and funeral expenses. It covers you and any passengers in your car. You and all covered family members are covered as well as pedestrians.
Q. How often will I have to renew my policy?
Ans. It is good to have your policy reviewed annually. Any major purchase, home, car, business liability or having a baby can be the reasons for you to have your policy updated.