Insurance

3. reasons for loss or damage other than an accident, such as theft, vandalism, fire, glass breakage, hail, and striking an animal.
5. Required to be listed on the policy as drivers and named insured's, regardless if they have other insurance.
9. A coverage or coverage limit we no longer offer, but are allowing current clients to maintain.
11. Two individuals living together long term who wish to have a policy together.
13. A driver is at least 50% at fault or more for an accident.
14. Applies as long as there are no at-fault accidents in the last 3 or 6 years.
15. This is required to be listed on a policy before someone can register for Service Online.

1. Offered as statistics show drivers with 4+ years post high school education have fewer losses.
2. Need to verify titling, garaging, customization/modifications & damage.
3. alterations or additions that change the look of the vehicle or add an enhancement, but does not alter the performance of the vehicle.
4. 1 time/week or 4 times/month
6. Individuals age 13 and up that live in the household who DO NOT have a driver's license.
7. Clients can easily request to make a payment, obtain a duplicate declaration or duplicate IDC's without registering.
8. Covers the difference between the ACV of the vehicle at the time of the loss and the amount owed on the client's original loan or lease up to 120% of the ACV of the covered auto.
10. Added at new business and as states convert to ME2. Not allowed if the Agency is Costco, Advisor, or Non-Client.
12. Fee charged to our insured by the rental agency if our client is involved in an accident with the rental vehicle, as the vehicle can’t be rented while it is being repaired.