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Listed below are frequently asked insurance and Registry of
Motor Vehicles questions at the Herlihy Insurance Group. The
answer is provided directly below each question. To submit
your own question, please click on the link below.
Personal
Homes:
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1. |
Do I have earthquake coverage on my homeowner’s policy?
Answer:
Coverage for earthquake, landslide and mudflow damage is excluded entirely for
your house, other structures, household contents & personal possessions.
Earthquake coverage is available for an additional premium.
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2. |
What does replacement coverage on my home mean?
Answer:
This coverage provides the funds you will need to repair or replace your home at today’s prices for materials
and labor. |
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3. |
Does my son/daughter have coverage on their belongings while away at college?
Answer:
The coverage is 10% of your limit of liability for Coverage C
(Personal Property), or $1000, whichever is greater, on your homeowners policy. If you had $50K for coverage
C then you would have $5,000 coverage for those belongings. |
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4. |
Do I have Flood Coverage on my homeowner’s policy?
Answer:
Flood damage is never covered under a homeowner’s policy. You may purchase a flood
policy at an additional premium. |
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5. |
What Is An Umbrella Policy?
Answer:
An umbrella policy increases the Bodily Injury Liability and
Property Damage Liability insurance over and above your present
Limits (subject to underwriting approval) on your present: |
- Auto Insurance Policy
- Homeowner Policy
- Boat Policy
- Rental Property Policy
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Auto:
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1. |
Am I Eligible For A Low Mileage Discount?
Answer:
If you drive less than 7500 miles a year, you are eligible for
a 5% discount. If you drive less than 5000 miles a year, you
are eligible for a 10% discount. |
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2. |
If My Car Breaks Down Will I Be Covered If I Have Towing On My Policy?
Answer:
This coverage pays up to $50 for towing and labor charges each time
your car breaks down whether or not there is an accident involved.
You may purchase coverage up to $100 per disablement for an additional
cost. |
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3. |
I want To Take My Car Off The Road. How Do I Cancel The Insurance
On It?
Answer:
You need to take the plates off the car and return them to the registry.
We can go to the registry for you if you would like. The registry will
give you two copies of the plate return receipt. If you go to the registry
yourself just return one copy to our office and we will cancel the insurance. |
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4. |
How Soon Should I Call You To Let You Know That My Son/Daughter
Got Their License?
Answer:
You must notify us within 60 days if a household member, who will operate your auto, becomes a licensed operator.
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5. |
When My Son/Daughter Gets Their License Should I Get Them Their
Own Policy?
Answer:
Well, that depends. Give our office a call and we can give you some quotes
based on your particular information.
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6. |
Why Is My 2002 Hyundai Just As Expensive To Insure As My 2004
Jeep Wrangler? I Paid More Money For My Hyundai Than My Jeep.
Answer:
Each vehicle’s premium is determined by many factor’s including
SDIP, drivers, coverage’s, and the vehicle itself. Each vehicle has a
symbol attached to it. This symbol determines what the cost would
be to replace or repair the vehicle. Even though you may have paid
more for a vehicle, the symbol of it may be lower than another
vehicle you paid less money for. |
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7. |
I Was In An Accident And Was Found At Fault But I Don’t Agree That
It Was My Fault. How Do I Go About Appealing The Surcharge?
Answer:
You will receive a surcharge notice in the mail. Follow the instructions
on the back of the notice. The board of Appeal, located at the Division
of Insurance, will hold the hearing and will notify you, the Merit Rating
Board, and your company of its decision. If surcharge points are applied
to your premium for an at fault accident while your appeal is pending,
you must pay the additional premium or your policy will be cancelled.
Should the Board of Appeals find that you were not more than 50% at
fault, the Merit Rating Board will remove the incident from your driving
history record, and you company will adjust your policy accordingly.
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