Answers Ready Before the Quote

I take ownership of your file within hours of first notice. I set the inspection window, arrange a rental if the coverage is active, and guide you through repair or reimbursement stages without transferring the case to another handler at any point. Status updates arrive by text or email until the claim is closed.

You can keep up to six vehicles on a single household policy file. Each vehicle holds its own independent coverage lines while riding the same renewal cycle and qualifying for a multi-vehicle rate. Adding a vehicle mid-term produces a prorated premium adjustment, not a full rewrite.

Roadside Rescue is a standalone coverage line. You can add it to any existing core plan at a discounted add-on rate or carry it alone if you want dispatch coverage without a full policy. The benefit covers towing up to 100 miles per incident, lockouts, jump starts, tire swaps, and fuel drops at any hour.

The Rideshare Rider line activates from the moment your app goes online through to the completion of each accepted fare. Standard personal auto policies exclude the app-active period before a fare is matched, which is exactly the gap I designed the rider line to close. Coverage reverts to standard personal auto the moment the app goes offline.

I agree and record the insured amount at the point of policy binding, not at depreciated market value if a claim occurs later. That agreed figure holds for the full policy term, which means no negotiation at claim time over what your vehicle was worth on the day of loss. Your vehicle also retains full coverage during exhibition and transport, not only during regular road use.

I close policies same-day on request, with no exit fee attached. Prorated refunds settle within five business days, and cover certificates route to the next carrier the moment I terminate the file. There is no penalty period or waiting window between submitting a cancellation request and the policy going inactive.

I itemise any rate change at renewal by factor (mileage update, risk score movement, coverage adjustment) so no change appears as an unexplained line difference. I send renewal notices with enough lead time for you to review, adjust lines, or switch carriers without a lapse in cover. I never introduce rate drift quietly.

I quote drivers across experience levels. My premium calculation reflects driving history as one of several named factors, meaning prior incidents influence the rate but do not automatically disqualify an application. Each factor is visible in your quote breakdown, so the rate impact of a prior incident is transparent rather than baked into an opaque tier.