Policy FAQs

What We Believe Photo

Your insurance policy is customized to give you the best value. The more you understand about your policy, the more you'll know about what is covered. That's why we've included some basic policy information here. Need more details? Call 1.800.321.0899 or call your local Agent.

Policy FAQs

What is an Insurance Policy?

There are typically five parts in an auto insurance policy.

Back to Top

Declarations

This section includes all of the details about you, your other covered household members, your insured vehicles, and an overview of your policy (including your coverage, limits and deductibles).
Make sure everything in this section is accurate.

Back to Top

Coverage/Insuring Agreement

More details about your coverage (such as liability, medical options, collision and comprehensive terms, etc.) are included here. Simply put, it describes our promises to you as long as your policy is in effect.

Back to Top

Exclusions

We also want to highlight some situations that are not covered by your policy. This information helps you decide if you want to add additional options now or sometime in the future.

Back to Top

Conditions

This section describes your obligations-and ours. You'll find your payment terms, steps to filing a claim, and information about resolving disagreements.

Back to Top

Definitions

Since insurance policies use very specific, legal language, we have included some important definitions here.

Back to Top

How do I make changes to my policy?

The best way to make changes to your policy is to call 1.800.321.0899 or visit an Agent at a location near you.

Back to Top

How can I make a payment?

You can pay online, call us at 1.800.321.0899, or visit a location in your area.

Back to Top