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FAQS

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AUTO FAQ'S

WHAT IS COLLISION COVERAGE?

Collision pays to repair your auto, classic auto, motorcycle, RV damages caused by an accident. AGA can help you determine the limits you need based on the agreed value of your vehicle.

WHAT IS COMPREHENSIVE COVERAGE?

Comprehensive pays to repair or replace your vehicle if it is stolen, vandalized or damaged in some way other than in a collision. Comprehensive includes loss from fire, cracked windshields, floods, falling objects, and wind.

WHAT IS UNINSURED MOTORIST COVERAGE?

Uninsured Motorist coverage pays for damages associated with bodily injury or death from an accident caused by an uninsured, underinsured or hit-and-run driver, as defined by the law in the jurisdiction where the accident occurred, who is at fault. It also covers you if you are hit as a pedestrian.

GENERAL FAQ'S

WHAT IS A DEDUCTIBLE?

When you get insurance, you agree to pay up to a certain amount out-of-pocket in case of a loss. This amount is called your "deductible." The deductible you choose often affects how much you pay for your premium. For example, a higher deductible usually means a lower premium. In the case of a covered loss, you'll only be required to pay your deductible, and the insurance company usually covers the excess, up to the applicable limit for that loss under your policy.

WHAT IS EXCESS LIABILITY COVERAGE?

Sometimes used interchangeably with "umbrella," "excess liability" refers to extended liability coverage. This coverage is meant to supplement your insurance coverage if the damages exceed your liability coverage. Be sure to talk to your agent about what your excess liability covers

WHAT IS AN INSURANCE SCORE?

A Credit Based Insurance Score (CBIS) is derived from information on your credit report. It is a number that measures likelihood of having an insurance claim—not a measure of credit worthiness. Insurers use CBIS along with a number of other factors, including driving records, claims history, and the type of home or vehicle owned, to evaluate new and renewal auto and homeowner insurance policies.

WHAT IS LIABILITY COVERAGE?

For homeowners, this coverage applies if someone is injured or property is damaged and you are to blame. The coverage applies anywhere in the world. For motorcycles, AGA's companies offers Guest Passenger liability in most states. When choosing liability coverage for your home, auto, boat, personal watercraft, or RV, consider things like how much money you make and what you own. Your liability coverage should be high enough to protect your belongings if you are sued.

WHAT IS AN UMBRELLA POLICY?

Umbrella insurance is the coverage that may kick in when your losses under other insurance policies, such as homeowner’s and auto coverage, have exceeded policy limits.

HOME FAQ'S

WHAT IS PERSONAL PROPERTY COVERAGE?

Your home is filled with furniture, clothes, sports equipment, and other items that mean a lot to you. This coverage helps repair or replace these items if they are lost, stolen or destroyed as a result of an insured event.

WHAT IS SCHEDULED PERSONAL PROPERTY COVERAGE?

If you have special possessions such as jewelry, art, antiques or collectibles, you may want to talk to your agent about this additional coverage.