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Frequently Asked Questions

How long does it take to get an insurance quote?


Finding auto insurance online takes as little as 10 minutes with Elite Insurance.




Who should I call to report a loss?


After a car accident, home damage, or any kind of loss, it’s important to let your insurance agent know. To get the claims process moving immediately though, call Elite Insurance at: 323 203-1801




Will my auto insurance pay to have my stolen car replaced?


A: This depends entirely on the insurance coverage you have. Comprehensive coverage will protect you in this type of event.




When can an auto insurance company deny your accident claims?


They can deny your claims if they have proven beyond a reasonable doubt that you were driving recklessly or lied about accident damages.




How long does it take to file a claim?


Filing a claim with your insurance agent should only take 20 minutes.




If I’m driving someone else’s car and get in an accident, whose insurance do I use?


You will use their auto insurance. For whatever costs that are left over, you will then use your insurance.




Are there different insurance coverage types?


Yes, there are different insurance coverage types and they are as follows: Bodily Liability, Property Damage Liability, Comprehensive, Collision and Uninsured & Underinsured.




Can I put anyone on my policy?


You can include members of your household on your policy, but you must all live at the same address.




What is an insurance deductible?


An insurance deductible is the amount of money you pay after an accident before your insurance company pays for the remaining amount.




Can I change my coverage whenever I want?


Yes, but you will be charged a cancellation fee. If you wait until the end of your policy, then you won’t be charged.




Will having a parking ticket on my driving history raise my premium?


If you only have one ticket on your driving history, your premium rates will not be affected.




Will my gender affect my premium rates?


Yes, gender does affect premium rates. Using statistical driving data, it has been found that male drivers are generally involved in more accidents. As result, male drivers pay bigger premiums than their female counterparts.




Does my auto policy cover a rental vehicle?


In most cases, yes. If you’re driving a rental car of similar value to the car you own, your auto policy should be enough to cover the rental vehicle. Liability coverage would cover third-party vehicle damages. PIP would cover yours or the other parties’ medical bills, and if you’re worried about your belongings being stolen, well, renters or homeowners insurance should extend to cover that, too. If you don’t have collision or comprehensive coverage on your regular auto policy, then the one rental car add-on worth considering is a loss-damage waiver. This waives your financial responsibility in the event the car is damaged or stolen. It’ll also cover loss-of-use charges while the car’s being repaired. Always double check with your insurer before declining the different rental car coverages if you’re not clear on what coverage your policy provides.




What does "full coverage" mean?


This is an often misinterpreted term, and doesn’t refer to a policy that covers “everything.” Instead, full coverage typically refers to a policy that includes both liability coverage and coverage for damage to your property.





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