FAQ - Lavezzari Insurance

Question 1

What kinds of questions should I be expected to answer when I am applying for an insurance policy? Why do insurers need so much information?

Accepted Answer

When you apply for an insurance policy, you will be asked a number of questions. For example, the agent might ask you your name, age, gender, address, etc. In addition, you will be asked a number of other questions which will be used to determine how likely you are to make a claim.When an insurance company is deciding whether or not to offer car insurance to a potential customer, it will want to know about the person’s previous driving record, whether they have any recent accidents or tickets, a

Question 2

What are the advantages to using an agent to purchase insurance?

Accepted Answer

By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.

Question 3

I have an older car whose current market value is very low - do I really need to purchase automobile insurance?

Accepted Answer

Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation when their losses are caused by the actions of another individual who was negligent.It is often the case that the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just “total” the car and give you a check for the car’s market value les

Question 4

What is the difference between collision physical damage coverage and comprehensive physical damage coverage?

Accepted Answer

Collision is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.Comprehensive provides coverage for most other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.

Question 5

What factors can affect the cost of my car insurance?

Accepted Answer

A number of factors can affect the cost of your car insurance, some of which you can control and some that are beyond your control.The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost you.Even your marital status can affect your cost of insurance. Statistics show that married people tend to have fewer and less costly accidents than do single people.

Lavezzari Insurance — Insurance Agency

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