Automobile | Jones & Associates Insurance

Automobile

Will my automobile policy protect a friend or relative if I loan my vehicle to them?

Your automobile policy protection is extended to anyone you grant permission to drive your car. You do not need to explicitly provide permission, the other person only needs to have a reasonable belief that they are driving with permission.

Will filing a claim make my premium increase or result in my policy being canceled?

Generally the answer is no. One claim is not a cause for concern on the part of of insurance companies. But a pattern of claims may result in a premium increase or cancellation. So if you have a claim that is the third in three years, for example, that […]

What if another driver hits my car?

In most cases the other driver’s insurance policy would respond and reimburse you for damages to your vehicle, property or injuries. In some cases, as when you or your passengers are injured and the other driver has inadequate or no insurance, coverage from your own policy may apply (Uninsured […]

What happens if I cause a car accident?

If you own, lease (long term) or finance your vehicle then you will file a claim with your insurance company. You will have to pay any deductible amount. Payment for your loss will include payment to the finance or leasing company, if any. If you cause damage to other […]

What happens after I file a claim?

The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company:

  1. You will be contacted by an insurance company adjustor to gather detailed information about your claim.
  2. Often, someone from the insurance company will inspect your auto or property […]

How does my automobile policy protect me when I’m driving in other states that may require different limits or types of coverage? What about when I’m driving in another country?

Your policy will normally adjust for differences in other state requirements if you have the required minimum coverage for your state. Personal automobile policy protection is only applicable in the United States, US territories and possessions and the provinces of Canada.