We're Gold Medalists In Protection
FAQ
What is the difference between collision coverage and comprehensive coverage?
It's easy to remember what collision coverage does, simply by looking at the word "collision." When you have this type of coverage, you're essentially insuring your car against damages it may suffer if your car collides with another vehicle. Comprehensive coverage, on the other hand, deals with loss or damage caused by things other than a collision—such as theft, vandalism, animals or hail.
How do deductibles work?
A deductible is a specific amount of money you pay out of pocket before your insurance company will begin to pay for a covered loss up to the limit. For example, if you have a $500 deductible and your car suffers $2,000 worth of damage, your insurance will pay $1,500 after you pay your $500 share. You can choose your deductible amount. This means that if your car experienced the same $2,000 damage and your deductible was set higher than $2,000, you'd pay the full amount out of pocket.
(The reason many people opt for higher-deductible insurance policies is to lower premiums. While that is always helpful, consider what works best for your situation.)
How Much Life Insurance Do I Need?
Life insurance can help protect your family financially. Life Insurance has no fixed limit that's why it's important to customize your policy based on your needs, your expenses and your assets.
How much should I pay?
For most insurance policy types, you can pay any amount between the "minimum amount due" and the "pay in full", as indicated on your bill. For life insurance policies, you should pay the full amount due as indicated on your bill.
What happens if I'm late or miss a payment?
If you are late, contact your agent or call 1(718) 888-7500 EXT. 1441. Missing or late payments could cause a lapse in coverage, or the cancellation or termination of your policy.
I was in an accident and need to make a claim, what should I do?
We hope you're never involved in an accident, but if you are, our agents are here to help. Your agent can help guide you through the claims process and learn what steps to take. If you need immediate assistance, you can give us a call (718) 888-7500 EXT. 1441. The insurance claim worksheet can also be a helpful resource after an accident.