FAQ

1. How is the cost of my automobile insurance calculated? 

           

The cost of your automobile insurance is determined by a number of factors, including where you live, your driving record, and the type of car you drive.

 

      
2. Who is covered under my automobile insurance policy? 

             

If you knowingly loan your car to a friend or an associate, they will be covered under your automobile insurance policy.

 

 

3. What is the difference between collision coverage and comprehensive coverage?

           

Collision coverage provides coverage for damages and losses you incur when your car collides with another car or object.  Comprehensive coverage provides coverage for most other direct physical damage, such as fire, theft, vandalism. This also includes glass coverage with no deductable.

 

 

4.  What is a deductible?

           

A deductible is an amount that you agree to be responsible for in the event of a loss under the physical damage (collision or comprehensive) coverages of your policy. Deductibles are offered on some coverages to give the customer flexibility in the cost of insurance and the amounts they wish to be responsible for. You may reduce your auto insurance costs by raising the deductibles on physical damage coverages. Here at Durso & Jankowski, we can provide you with information about how much you can save by adjusting your deductibles.

 

 

5. How is the cost of boat insurance calculated?

   

There are many factors that go into determining the premium for your boat.  These include your ownership and operating experience, as well as the amount of coverage you want, your boat's location, size, age, power type, and use.  Contact us for more information on insuring your boat.