What? My Auto Claim is NOT Covered?

If the names on the title of your car and the named insured’s on your auto policy do not match, you will not have coverage in the event of a claim.

One of the most important things to remember is that the named insured listed on your insurance policy needs to match the names on the  title of the vehicle.   If John and Sally Doe’s son, Donny Doe, buys his first car and the title to the new vehicle has only Donny Doe’s name on it, but he adds this vehicle to mom and dad’s auto policy (John and Sally Doe listed as named insured),  THEY WON’T HAVE COVERAGE!    The names on the title have to match the insurance policy’s named insured for coverage to apply.   You need to communicate this information to your agent.    Don’t get caught thinking you have coverage when your son Donny Doe might not!  

Who can drive your car.

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This question that is asked many, many times through out the year. The answer to that Is, the automobile policy is the broadest policy for insurance. Basically the persons named on the policy, as in named insured, can give permission to anybody else to drive their car and there would coverage. Please check your policy or call us at Davidson Insurance Agency, Inc. for questions and clarifications to make sure you policy complies.

Who has permission to drive your car?

This question is asked many, many times throughout the year. The answer: The automobile policy is the broadest policy for insurance. Basically, the persons named on the policy, as in named insured, can give permission to anybody else to drive their car and there would be coverage. Please check your policy or call us at Davidson Insurance Agency, Inc. for questions and clarifications to make sure your policy complies.

Do you have enough coverage for water, sewer backup and sump pump malfunction?

What would be an amount that one would be comfortable with.  We insure an expert in the water restoration business and he flat out told me BOLDY!  Don’t sell a policy without $25,000 of water sewer backup and sump pump malfunction coverage.  Now this comes from an expert who cleans up these mess as his job!   You might think he does know what he is talking about!