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Frequently Asked Questions
Please take a moment to review some of the questions we hear and answer on a regular basis. If you have a
question that is not listed on this page, feel free to Contact Us.
Personal Lines Insurance
 When I am removing a vehicle from my insurance policy, what should be done with the vehicle's license plates? You must turn your plates in to the Department of Motor Vehicles. You will then get a receipt called a FS6T. This you need to give to your insurance agency as proof that
the vehicle is off the road. At this time your coverage can be cancelled.
- May I pay on my premium after the premium due date?
- Yes, you have a grace period of approximately five days depending on the insurance company, however there may be a late fee charged.
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- When renting a vehicle, should I buy the insurance coverage offered by the car rental company?
- If you have automobile insurance protection on your personal vehicles, you do not need to buy extra coverage.
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- If my car is in the shop for mechanical reairs, and I need to rent a temporary vehicle, does my auto policy's rental car reimbunsement coverage cover this?
- Rental Car Reimbursement Coverage, if purchased, is only for vehicles that have been in an accident, not for cars experiencing mechanical failure.
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- When my child gets his/her drivers license must I add him/her to my insurance policy?
- Yes. All licensed drivers living in the household need to be listed on that auto policy unless they have their own auto insurance elsewhere.
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- If a tree falls on my property but does not damage anything, is there coverage to have the tree removed?
- No, not on an unendorsed homeowners insurance policy. There are endorsements available that would include this kind of coverage,
up to a certain limit, depending on the insurance carrier.
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- Is there a discount for having both home and auto insurance coverage with us?
- Yes, if the coverage is with the same carrier. This discount would apply to both policies.
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- If I don't receive my bill, can you tell me how much I owe?
- For most companies we do not get copies of your invoices, however we can usually call the insurance company for the information.
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Commercial Lines Insurance
- What are your hours of operation?
- Monday through Thursday 9:00 AM to 5:00 PM and Friday 9:00 AM to 4:30 PM.
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- When do on the job injuries need to be reported for Workers Compensation cases?
- The employer must file a C-2 First Report of Work Related Accident with both the insurance company and the Workers' Compensation Board within ten (10) days after
the occurrence of the accident if: 1. the employee lost time beyond the regular working day or 2. the employee required more than two (2) medical office visits for treatment.
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- Is there a charge to add an Additional Insured to my policy?
- Depending on the company a charge may be imposed typically between $25.00 and $100.00
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- Regarding property insurance deductibles, what is the premium savings associated with carrying higher deductibles?
- The standard deductible is $250. There are typical savings (off the property premium only) for higher deductibles:
- $500 deductible - 5% savings
- $1000 deductible - 10% savings
- $2500 deductible - 17% savings
- $5000 deductible - 22% savings
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