Frequently Asked Questions
Below you will find answers to common questions regarding insurance terms and coverages.
If you do not find the topic you are looking for you can submit it to be answered. Each new topic will be added when covered. New topics will appear in red. For more detail on any topic or to submit your question / topic please contact one of our agents.
Auto Insurance
- Bodily Injury Liability
- Property Damage
- Uninsured Motorists Coverage
- Underinsured Motorists Coverage
- No-fault Insurance
- Medical Payments Coverage
- Collision Coverage
- Comprehensive Coverage
- Possible Insurance Discounts
- Possible Riders
- Your Driving Record
- About Teenage Drivers
- Book Value of Your Auto
Home Insurance
Other / Optional Coverages
Business Insurance
Life Insurance
- Who Needs Life Insurance
- How Much Life Insurance Do I Need?
- Whole Life or Cash Value Policies
- Term Insurance
- Universal Life Policies
- Variable Life Policies
- Group Coverage
- Participating vs. Nonparticipating Policies
- Endowment Policies
- When to Reevaluate Your Plan
Health Insurance
- Basic Health Insurance
- Individual Health Insurance
- Group Health Insurance
- Major Medical Insurance
- Health Maintenance Organizations
- Pre-existing Conditions
- Medicare
- Medicare Supplemental Policies
- Managed Care
- PPO’s & POS Plans
- Long-term Care Insurance