[toggle Title=”What do I bring when writing a new auto policy?”]
- Full Name and Date of Birth of all residents/drivers in household over the age of 15
- Driver’s License #’s of all drivers listed on policy
- Registration (preferably), VIN numbers or Bill of Sale for all vehicles to be insured
- Void Check (if EFT payment plan)
- Declaration Page (reflecting dates of 6 months prior insurance) (if applicable)
- Proof of Homeownership- Declaration page of insurance, mortgage or utility bill (if applicable)
- Photos of vehicle 10 years old and older (if purchasing comprehensive/collision coverage)
- Copy of Driving Training Certificate (if applicable)
- Copy of most recent grade report (if applicable)
[toggle Title=”I am buying a house or having one built; what do I do to get insurance?”]
We are here to help! Our goal is to make it easy and seamless, while adequately providing a policy tailored to your lifestyle and investment. New construction is our expertise.
1. Call or come into the office so we may gather the general information to provide an accurate quote to fit your lifestyle and investment.
2. We will be able to provide a quote that same day or the next, unless the risk does not qualify for our in house companies.
3. Notify your mortgage company. Give them our Agency name, phone #, fax #, and e-mail. Or better yet, we will call the mortgage company for you. We will send out the necessary paperwork immediately, so as not to hold up your closing date.
4. We will contact you to complete the application and any other paperwork
5. A policy will be sent to you in a few weeks
6. Enjoy the peace of mind that your investment is protected.
[toggle Title=”What kind of payments do we accept?”]
- Check (only at new business)
- Credit/Debit (VISA/Mastercard only)
- ECheck (Electronic Withdrawl from Checking)
[toggle Title=”I need an SR-22. What is it? & What do I do?”]
Not a problem at all. It’s not as complicated as everything seems. It’s simply a form that is attached to either the Broad Form or Regular Auto policy. It is the states way of making sure you are maintaining liability insurance. Regulations vary from state to state, the State of Washington, usually requires an SR-22 for three years.
1. Simply call or come in for a quote.
2. Bring in your old license or ID card
3. Bring registration of the vehicle you’re insuring (if not “insuring you license”/broad form policy)
4. We will write up a policy, give you ID cards and your SR-22 to satisfy the courts and/or DMV.
The insurance company will electronically send the SR-22 to the state and we will fax the SR-22 up to the DMV (where applicable)
Receive your new policy in approximately two weeks. You are done. :0)
[toggle Title=”What is a Broad Form policy aka “insuring your license”?”]
Yes. Broad Form covers the named insured to drive any owned or non owned vehicles (subject to restrictions), for liability insurance. Uninsured Motorists Bodily Injury and Personal Injury Protection (PIP) are also available. Motorhomes and physical damage for the vehicles are not included with this type of policy
[toggle Title=”How does my deductible work?”]
The deductible is a portion of the loss that is your responsibility. When a loss is equal to or less than the deductible amount, no payment is owed. When your loss is more than the deductible, you are responsible for the deductible amount. We then pay the rest of the covered loss up to the limit for that type of property.
[toggle Title=”What is Gap coverage & When do I need it?”]
Gap coverage refers to the ‘gap’ between what you owe on your auto loan and the current market value of your car or motor home. It is designed to pay the outstanding loan amount on a new, financed car or motor home should you be involved in an accident and your new vehicle is determined to be a total loss.
If you owe more than what your vehicle is worth on the market at the time of a total loss, then Gap coverage is what you need. It is usually available only at the time of the purchase of a new, financed car or motorhome, we do have a company that can provide Gap coverage for older vehicles.
An example of how GAP coverage works: A 2006 vehicle is purchased for $40,000
° Loan Balance of a 2006 vehicle or motor home on the date it’s destroyed: $30,000
° Actual Cash Value on date it’s destroyed: $25,000
° Payoff WITHOUT GAP coverage: $25,000 (less any applicable deductible)
° Loan balance after payment: $5,000 (may vary if there was a deductible)
° Payoff WITH GAP coverage: $30,000
° Loan Balance after payment: $0 (may applicable deductible)
Be sure to ask your insurance agent about GAP coverage when shopping for a new car or motor home if you think you may need the additional coverage. For additional details see the policy contract.
Information Provided by the Office of the Insurance Commissioner.