Most insurers apply a short waiting period (often around 21 days) to see if the vehicle is recovered. If it isn’t, you’ll receive a settlement. If it’s found during the waiting period, the insurer will get a repair estimate before deciding how to proceed. For guidance on comprehensive coverage, Request a Quote.
You can increase protection with a scheduled personal property endorsement (adding items to your homeowner’s policy) or a separate policy for high-value items. We’ll help you choose the most cost-effective route—Request a Quote to compare options.
A vehicle is considered “totaled” when the estimated repair costs exceed the car’s value. In that case, the insurer typically issues a payment for your car’s value and keeps the vehicle—unless you choose to buy it back “as is.” To explore replacement and gap coverage options, Request a Quote.
Raising your deductible is the most common way to reduce monthly premiums. It can make sense if you rarely file claims and are comfortable taking on a bit more financial risk in exchange for lower costs. Want help finding the right balance? Request a Quote and we’ll compare options for you.
It depends on your policy. Generally, standard policies don’t cover floods, earthquakes, nuclear accidents, war, intentional damage, or normal wear and tear. Other exclusions may apply. If you’re unsure, Request a Quote and we’ll review coverage gaps and recommend add-ons.
If you’re not at fault, you’ll usually file a third-party claim with the at-fault driver’s insurer. Because you’re the claimant, the insurer often issues payment directly to you—then you pay the repair shop (and your lender if applicable). If the other driver is uninsured, your uninsured motorist coverage may apply. Need help understanding your options? Request a Quote.