The Frequently Asked Questions about Auto Insurance

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

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

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.

A deductible is the amount of money you pay after an accident before your auto insurance company pays for the remaining amount. The most common deductibles are $500 and/or $1000

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

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

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

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

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

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

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

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

In most cases, yes. If you’re driving a rental car of similar value to the car you own, your auto insurance 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.

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.