We welcome you to browse our web site and enquire further if you have an interest in any of the products offered or if you just have related questions. An Independent Agency is not bound or contracted to any single Insuring Company or Entity. The advantage of Independence is that it allows a broader range of products from many different Insurers small and large.
This also allows us to place coverage for almost any risk within reason, we rarely have to turn down a client needing insurance. We typically can provide Placement and Servicing through 12 to 18 different programs offered by various carriers at any given time. A disadvantage is that they will not offer some carriers who prefer to operate only though exclusive captured agents.
We never outsource our Customer Service to a foreign land, All our people are located in The USA. We know that we can't possibly know everything. We tell you if we don't have an answer for your specific question and if possible direct you to a resource that can help.
This also allows us to place coverage for almost any risk within reason, we rarely have to turn down a client needing insurance. We typically can provide Placement and Servicing through 12 to 18 different programs offered by various carriers at any given time. A disadvantage is that they will not offer some carriers who prefer to operate only though exclusive captured agents.
We never outsource our Customer Service to a foreign land, All our people are located in The USA. We know that we can't possibly know everything. We tell you if we don't have an answer for your specific question and if possible direct you to a resource that can help.
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You could use the internet as a useful tool in acquiring reliable information and quotes from a wide range of auto insurance companies.
Car insurance comparison websites can help you better compare premium rates and specific discount basis offered to get a significant savings on car insurance.
By shopping online, you could pull in helpful information on how to get higher discounts and what is needed to be able to apply it on your rate.
You could get opinion from friends and families too who may have gotten a better deal on premium rates and/or to avoid insurance policies less practical in terms.
Car insurance comparison websites can help you better compare premium rates and specific discount basis offered to get a significant savings on car insurance.
By shopping online, you could pull in helpful information on how to get higher discounts and what is needed to be able to apply it on your rate.
You could get opinion from friends and families too who may have gotten a better deal on premium rates and/or to avoid insurance policies less practical in terms.
If I am using a car which is insured but I don't have auto insurance policy myself would that be considered a violation?
If yes, what would be my penalty?
The reason why I'm asking this is because I frequently borrow my girlfriend's car which has auto insurance policy on it but I myself don't have one.
In general, if a person borrows an insured car, liability insurance on that vehicle is extended to the person driving or operating the car.
If let's say you are stopped by a law enforcement officer, showing him/her your girlfriend's auto insurance card would be enough.
If yes, what would be my penalty?
The reason why I'm asking this is because I frequently borrow my girlfriend's car which has auto insurance policy on it but I myself don't have one.
In general, if a person borrows an insured car, liability insurance on that vehicle is extended to the person driving or operating the car.
If let's say you are stopped by a law enforcement officer, showing him/her your girlfriend's auto insurance card would be enough.
Thank you for asking Thames.
Non-owners auto insurance is basically additional coverage that will give you liability coverage for you when you are found at fault for an accident and don't own a vehicle personally.
Getting an non-owners auto insurance is subject to limited coverage with the exclusions and definition in that insurance policy.
Those are typically standard to the coverage you have.
For instance, in order to get a non owner insurance policy you would only be required to buy bodily injury and property damage coverage.
Non-owners auto insurance is basically additional coverage that will give you liability coverage for you when you are found at fault for an accident and don't own a vehicle personally.
Getting an non-owners auto insurance is subject to limited coverage with the exclusions and definition in that insurance policy.
Those are typically standard to the coverage you have.
For instance, in order to get a non owner insurance policy you would only be required to buy bodily injury and property damage coverage.
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