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How does a company determine what rates to charge?
Companies generally set rates that will allow them to pay the costs
of expected claims and other business expenses. In most states, a
company's rates must be reviewed and approved by the state's insurance
department before a company can put them into effect.
Am I covered when renting a car?
Coverage when renting a car is provided while in the U.S., its
territories and Canada -- as long as you have comprehensive and collision
on one of your own insured vehicles. If you rent a car and travel
outside of these geographical areas, it is recommended that you purchase
Auto Insurance Coverage.
How does the "Disappearing" Deductible work?
We reward you for having a 5 year clean driving record (including
3 years with us as a new policyholder) by reducing your Collision
deductible by $150. For each additional year you are insured with
us and maintain a clean driving record, we will take another $50
off the deductible. Over time, your deductible may "disappear" altogether.
In some states, we are prohibited from reducing your deductible below
$100.
Why do you provide discounts to people who take driver
safety courses?
Defensive driving courses refresh old skills and teach new ones
to help prevent accidents. The driver's initiative in taking steps
to improve driving skills combined with his or her awareness of defensive
driving tactics leads many companies to offer a discount.
Do I need full coverage (comprehensive and collision) on
my older car?
This is a personal decision, and you will want to consider the
cost of purchasing this coverage, the current value of your vehicle,
and the amount you could afford to pay out-of-pocket if your car
is damaged. If you have an older car with a low book value, this
coverage may only pay a nominal amount in the event of a major accident,
or if your car is totaled.
Why is it important to report an accident that is not my
fault?
Most insurance policies require that you notify the company when
you've been involved in an accident, whether or not you were at fault.
Immediately reporting a claim allows the insurance company to fulfill
its responsibility to the policyholder by conducting a proper investigation
and protecting the policyholder's interests should there be a need
for legal representation.
Why does my spouse have to be listed on my policy?
Most auto insurance policies automatically provide coverage for
a licensed spouse, even if the spouse has separate coverage with
another company. To better protect you, a licensed spouse must be
listed on your policy, even if he/she is not living in your household
or has coverage through another company.
Why do I need auto insurance?
Your car has two unique qualities. First, it is probably one of
the most expensive things you own. Insurance protects your investment
and guarantees you a way of coping with the expense of accidents,
vandalism or theft, as well as securing your financial responsibility
to the bank or other institution lending the money to buy your vehicle.
Second, when you drive, you are operating a powerful machine, weighing
one ton or more and capable of moving at over 100 miles per hour.
You are responsible for the safety of your passengers, your fellow
drivers, other people's property, pedestrians and yourself. Insurance
helps you live up to that responsibility by ensuring your ability
to cover the costs of potential damages or injuries.
You are also required by state laws to be financially responsible.
This requirement is best satisfied through your insurance coverage.
In most states, insurance is a prerequisite to registering your car.
So if you want to drive your own vehicle, you must be insured.
What is Agreed Value?
Agreed Value is a coverage offered by some insurers that allows
you to insure your antique auto for the appraised amount of your
antique.
What is the difference between an Antique and Classic Auto?
Hartford defines an antique auto as being manufactured at least
25 years ago, and driven primarily in parades and exhibitions, and
infrequently for other purposes. Most insurers defines a classic
auto as a motor vehicle of the private passenger type which is 10
or more years old and may be used on a regular basis. Its value is
significantly higher than the average value of other autos of the
same make and model year.
Is this a 6-month or 1-year policy?
Auto insurance is offered in a 6 month policy or a 12 month policy.
What features and benefits are you giving me?
Every policy from The Auto Insurance Program from The Hartford
includes:
- No Drop Promise
- Replacement Cost Coverage for New Cars
- 6-Point Claim Guarantee
- 24/7 Claim Service
You can choose to upgrade your policy with benefits such as:
- Accident Forgiveness
- A Disappearing Deductible
- Waiver of Deductible for a Not At Fault Accident
- and more...
Why do I have to list young drivers on my policy, even
if I don't allow them to drive my vehicles?
Automobile policies are written to automatically cover any licensed
relatives living in your household. Therefore, coverage is afforded
to them, via your policy, regardless of whose vehicle they are operating.
How quickly do you handle claims?
The first step is up to you! The quicker you report a claim via
our 24-hour claim hotline, the quicker we can settle simple claims
right over the phone the same day. Our commitment to you is that
we'll settle your claim as quickly as possible. The exact length
of time depends on the type of claim, extent of damages and other
specific circumstances. Special program features, such as the Customer
Repair Service Program, help move the process along.
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