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Frequently Asked Questions

Below are some of our frequently asked questions.  If you have any other questions or concerns, please feel free to contact us via the web, or come and visit us at our office

  1. What is the difference with going through the company directly or having an agent?
  2. What is No Fault?
  3. What is Stacking?
  4. I have Homeowners/Renters Insurance doesn't my Personal Property Coverage cover my Recreational Vehicles?
What is the difference with going through the company directly or having an agent?
The biggest difference is when you choose an agent you have the personalized service of someone that knows you and your policy. We can assist you and in case of a claim if you need to forward something to a claims adjuster we have those abilities. There's really no difference in price. With most of our companies you still have 24/7 care after our regular business hours.

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What is No Fault?
There is a lot of misconception about what No Fault means. No fault means that no matter who is at fault your insurance pays for your Workloss and Medical Payments resulting from an accident first.

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What is Stacking?
Stacking is an option you can purchase extra on your Auto Insurance. If you have two or more vehicles you can elect this option. (for example: Instead of having the basic 20,000 Workloss/ 20,000 Medical Pay you would have 40,000 Workloss/ 40,000 Medical Pay). Stacking does not double the amount of workloss you get a week and it is an extra charge.

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I have Homeowners/Renters Insurance doesn't my Personal Property Coverage cover my Recreational Vehicles?
Unless you specifically insure your Recreational vehicles they will not be covered for theft, fire, etc. Even if you have it in your garage. Motorized self-propelled vehicles need to be specifically insured for this coverage. (for example: Boat, Motor, Trailer, Snowmobile, Atvs, Dirt Bikes, etc.)

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