When it comes to getting insurance, knowing what you’re paying for is important, especially if you need to make a claim. We have an extensive list of questions and answers about the ins and outs of insurance, so that you can make the right decision in choosing the insurance policies that best meet your needs. Take the time to read the information below to answer any questions you may have about how our insurance coverage policies work. And if you have a question that you don’t see answered here, please feel free to contact us today and we’ll be happy to answer.
What is the difference between Collision and Comprehensive coverage?
Collision – When your car collides with another vehicle, hits a guardrail, hits a tree, hit and run and parking lot damage.
Comprehensive – Damage to the windshield, vandalism, glass breakage, hitting an animal. Theft and fire.
How do you provide such low rates?
Snyder’s Insurance is a full service insurance brokerage organization. We work with several providers to find the best coverage at the lowest price. See the complete list of companies with which we work.
Can my coverage ever be terminated or not renewed?
The State of Pennsylvania allows for insurance companies to cease coverage in the event of non-payment of a policy. They are also legally within their rights to terminate coverage if you are found to be driving under the influence. For more information see the PA state guide on auto insurance.
What is the difference between limited tort and full tort?
These are options in your policy that will determine what if any, damages you can recover after an automobile accident. Limited tort is coverage that waives the right to recover damages such as pain and suffering, unless theses injuries fall within the exceptions of serious injury as outlined in your policy. The advantage is that this keeps premiums lower. Full tort is coverage that does not restrict your right to sue for damages and injuries incurred as a result of the accident.
Do I need Renter’s Insurance?
Renter’s insurance is an excellent way to keep your valuables protected. If your are a renter, the landlord is responsible for insuring the structure or building, but not what is inside. Learn more about Renters Insurance here!
How do I know what to put on a homeowners insurance claim?
Start before a disaster hits. Make an inventory of items in your home that may be lost in the event of a disaster. Update the list regularly. Be as detailed as possible and store this list with other important documents in a fire-safe or safety deposit box. Check out these tips to preparing for a disaster at home.