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  • Knowledge Base
  • 1. Do I need separate rental car insurance? Views: 670 Public
    Properly insuring a rental car can be confusing, frustrating and downright daunting. Unfortunately, many consumers do not even think about car rental insurance until they get to the counter, which can result in costly mistakes—either wasting money by purchasing unnecessary coverage or having dangerous gaps in coverage. Before renting a car, the I.I.I. suggests that you make two phone calls—one to your insurance agent or company representative and another to the credit card company yo  More...
  • 2. How do I file an auto insurance claim? Views: 533 Public
    Please visit our claims page for claims contact information for your insurance policy
  • 3. Do I need to buy the auto insurance coverage that is offered by a car rental company? Views: 416 Public
    The car rental company will offer its own auto insurance coverage. You may not need to buy this additional coverage because you have auto insurance coverage from your own insurance company. In addition to your auto insurance policy, it is very possible that you have auto insurance coverage through your credit card company as well. Because this additional purchase can amount to a great deal of additional out of pocket expense, it is best to check with your auto insurance and credit card companies  More...
  • 4. How do I know how much insurance to buy, how much I need? Views: 336 Public
    The state where you reside will have specific limits regarding the mandatory minimum coverage that is allowable. Buying the minimum coverage requirement will allow you to comply with the law, but to get the maximum protection for your dollar, consider choosing higher limits and deductibles when you buy your insurance. When you select your coverage, get the highest limits that you can afford for Bodily Injury and Property Damage; consider too, Uninsured and Underinsured. Often, the cost is just a  More...
  • 5. Is my American auto insurance coverage valid in Canada? Views: 126 Public
    Typically, yes. But check your auto insurance policy for full details. In addition, be sure that you ask your insurance professional if you will need a Canadian Insurance Card before you travel.
  • 6. What is Bodily Injury Coverage? Views: 103 Public
    Bodily injury coverage protects you if you are held responsible for injuring someone in an automobile accident. This coverage helps pay for the medical expenses and lost wages of the injured party. Bodily injury may also help pay your expenses in a related lawsuit.
  • 7. What is medical payment coverage? Views: 95 Public
    This coverage will pay medical bills if a covered driver and/or passengers are injured while in an insured vehicle regardless of who is at fault in the accident. This coverage may also extend to policyholders and their family members if they are a passenger in another vehicle or are injured while on foot and hit by an automobile. The coverage is limited to the amount of protection that you chose when you purchased your insurance. For example, in the state of PA, medical benefits falls under the   More...
  • 8. Is my auto insurance coverage valid in Mexico? Views: 71 Public
    Although most auto insurance companies do provide auto insurance coverage for driving in Mexico, the Mexican laws regarding liability and auto accidents are quite a bit different than in the US. It is a good idea to purchase auto insurance from a Mexican insurance provider when crossing the U.S. - Mexican border. Your local AAA can provide you with several local numbers for AAA offices located close to the borders.
  • 9. What is comprehensive coverage? Views: 70 Public
    Comprehensive coverage will help pay for the damage or replacement of your automobile from fire, theft or vandalism. Comprehensive coverage will also pay for losses involving the collision with an animal, as well as some natural disasters such as a fallen tree. Just like with collision, you will be asked to select a deductible. This represents the amount of money you will be required to pay out of pocket for repair. You can have comprehensive coverage without collision, but not collision without  More...
  • 10. What is collision coverage, and do I need it? Views: 68 Public
    Collision coverage will help pay for the repair or replacement of your automobile if you are involved in an accident that is either your fault or if your car hits another vehicle or object. You will have to choose a deductible. The higher the deductible you choose, the lower you premium will be, however, that is the amount you will be required to pay out of your own pocket if you have a collision loss.