A little more clarity
From everyday driving to the unexpected. Find answers to common questions about protecting your vehicle.
Your questions, answered
The amount of car insurance coverage you need depends on several factors, including your state’s requirements, the number of drivers on your policy, the vehicle you drive, your deductible, and your personal financial situation. An insurance agent can help you determine the coverage that best fits your needs.
Yes, every U.S. state requires drivers to carry some form of financial responsibility, although the specific requirements vary by state. Most states require minimum liability coverage that helps pay for bodily injury and property damage resulting from an accident.
Because coverage requirements differ from state to state, it’s important to understand the minimum insurance required where you live.
The best way to find affordable car insurance is to compare quotes from multiple insurance providers. When comparing policies, look beyond the premium and consider coverage limits, deductibles, available discounts, and the overall value of the policy.
Be sure to ask about discounts you may qualify for, as these can help lower your insurance premium.
Want to save time? Call one of our Velocity Protection Insurance agents at +1 (833) 469-2195. Our agents can help comparison-shop insurance options on your behalf.
Yes. Many insurance companies offer discounts based on your driving history, personal circumstances, vehicle, and the types of insurance you purchase.
Depending on the provider, discounts may be available for:
Contact one of our agents to find out which discounts may be available to you and explore ways to lower your car insurance premium.
“Full coverage” generally refers to a combination of liability, collision, and comprehensive coverage.
However, the term “full coverage” does not mean that every possible accident, loss, or expense is covered. Your specific protection depends on the coverage types, limits, exclusions, and deductibles included in your policy.
Review your policy carefully and speak with an insurance agent if you have questions or want to make changes to your coverage.
You can generally select the effective date of your auto insurance policy. Depending on the insurer and policy, coverage may begin immediately or on a future date.
Insurance coverage cannot generally be backdated to provide protection for a loss or incident that occurred before the policy became effective.
In general, an insurance policy that has been active for more than 60 days may have additional protections against cancellation by the insurer, although exceptions can apply.
For example, an insurer may be able to cancel a policy because of:
Even if your policy is not canceled after an accident, multiple or significant claims may affect whether the insurer chooses to renew your policy when the policy term ends.
Specific cancellation and non-renewal rules vary by state and insurance company.
Try to remain calm and move your vehicle to a safe location if it is safe and possible to do so.
Check yourself, your passengers, and others involved for injuries. If anyone is seriously injured or needs emergency medical assistance, call 911.
You should also contact the appropriate authorities to report the accident and exchange or collect important information from the other parties involved.
Be sure to document the accident when possible and notify your insurance provider as soon as reasonably possible. Your insurer can explain the next steps for filing and handling your claim.
If your vehicle is stolen and your policy includes coverage for theft, contact the police and file a report as soon as possible. You should then notify your insurance company promptly and provide the requested information.
Your policy may include specific requirements or waiting periods if the vehicle is recovered. If the vehicle is not recovered, the insurer may compensate you based on the applicable terms of your policy, subject to your deductible and other conditions.
If the vehicle is recovered and has been damaged, your comprehensive coverage may help pay for covered repairs, subject to your deductible and policy terms.
In many situations, the insurance coverage on the vehicle applies when you are driving it with the owner's permission. This generally means the vehicle owner's insurance may provide primary coverage if an accident occurs.
If the owner's insurance does not fully cover the damages or the vehicle is uninsured, your own insurance may provide additional or secondary coverage, depending on your policy and the circumstances.
Insurance rules can vary by state and policy, so check your policy or speak with an insurance agent before assuming you are fully covered while driving another person's vehicle.
Yes. The vehicle you drive can have a significant impact on your insurance premium.
Insurance companies may consider factors such as:
Vehicles that are less expensive to repair or replace and have lower claim or theft risks may qualify for lower insurance premiums.
At Velocity Protection Insurance, you can request a free auto insurance quote online, visit one of our local offices, or speak with an agent by calling +1 (833) 469-2195.
Our agents can help you compare available insurance options, understand your coverage choices, and find a policy that fits your needs and budget.
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