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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What is the difference between Collision and Comprehensive coverage for my automobile?
  2. What is an endorsement?
  3. Should I buy collision insurance if I have an old car?
  4. What is the difference between bodily injury liability coverage and medical payments coverage?
  5. Is my child who is covered under my policy still covered by my policy while driving someone else's car?
  6. What does a homeowner insurance policy cover?
  7. Do I have adequate amount of dwelling coverage on my policy?
  8. Are any items in my home not covered by my policy?
  9. Am I covered if a windstorm damages trees in my yard?
  10. What's my coverage if someone has an injury on my property?
  11. Should my small business have business income insurance?
  12. Does my business need employment practices liability?
  13. What is hired and non-owned auto liability insurance?
What is the difference between Collision and Comprehensive coverage for my automobile?
Collision insurance laws may vary by state, but generally, this insurance covers a loss to the insured's vehicle caused by its impact with another vehicle or object.
Comprehensive insurance laws may vary by state, but generally, this insurance protects against any loss or damage to an automobile except those caused by collision or by upset; for example, glass replacement, towing and labor coverage, or coverage against fire or theft.

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What is an endorsement?
An endorsement is an amendment to your policy written especially to cover unique items just for you.  It is also a change to your policy that is made during the policy's term.  An endorsement is attached to your policy to modify the terms of the insurance contract.

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Should I buy collision insurance if I have an old car?
Buying collision insurance is a personal decision.  You may want to consider the value of your car or the amount of loss you can personally assume. Our aim is to help you decide what coverages are best for you.

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What is the difference between bodily injury liability coverage and medical payments coverage?
Bodily Injury Liability coverage pays for injuries you or anyone covered under your policy may cause to others.  Medical Payment coverage pays for reasonable medical expenses for you or your passengers, regardless of who caused the accident.  Some states require passengers to first seek reimbursement under their own automobile policy.

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Is my child who is covered under my policy still covered by my policy while driving someone else's car?
If your child is a resident of your household and will have use of your vehicle, he or she should be listed on the policy in order to be covered while driving a vehicle included on the policy.  If your child is driving someone else's car with their permission, the other person's insurance often covers the damage.  If you have any questions about who should be listed as a driver, contact Royal Insurance Agency and we will be glad to review this with you.

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What does a homeowner insurance policy cover?
Homeowner insurance covers damage from incidents such as fire, theft, and vandalism to your house, adjacent structures like a garage or shed, and your personal belongings.  It covers living expenses if your house becomes temporarily unusable, and liability in case you or a member of your household injures someone or damages their property.

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Do I have adequate amount of dwelling coverage on my policy?
You are properly covered if your policy's value is enough for you to rebuild your house if you had a total loss.  Since the replacement cost of your house can vary over time because of inflation, the costs of labor and building materials, and renovations you may make to your home, you should review your coverage every few years.  Plesae call Royal Insurance Agency for a comprehensive review.

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Are any items in my home not covered by my policy?
Most items are covered up to stated limits for covered perils like theft or fire.  However some items including money, securities, water craft, trailers, grave markers, and guns have coverage limits.  If you lose a bracelet or drop a vase, that loss would not be covered unless the item was specifically insured or scheduled.  Damage to your personal belongings that is caused by pets is not covered.

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Am I covered if a windstorm damages trees in my yard?
Coverage is NOT provided to replace the costs of trees in your yard damaged by a windstorm.  However, if a fallen tree damages a covered structure on the property your policy may cover the cost to have the tree removed.  Contact Royal Insurance Agency to have us review your policy and coverage.

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What's my coverage if someone has an injury on my property?
Most policies have no coverage for injuries you or household members sustain on your property.  The liability portion of your policy covers any injury to a neighbor or visitor that you are legally liable for.

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Should my small business have business income insurance?
Business income coverage is not necessary for every business.  However, if you decide not to purchase this coverage, it's important to understand what you will not have coverage for in the case of a loss.

Business income provides reimbursement for lost revenue after a covered insurance loss.  For a company that does not have a physical address that is crucial to its business, such as a contractor, business income is probabaly not necessary.  For store front or main street businesses, like a coffee shop, business income is a must.

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Does my business need employment practices liability?
If your business has employees then you are exposed for a loss related to employee practices.  This isn't just sexual harassment, it also includes unfair hiring or firing practices and unsafe work environment as well as discrimination.

Also note , that a loss from a 3rd Party that enters your business and may have nothing to do with it like the mail delivery person.  You can be sued for the things that this person does to your employees and there is no coverage for that under your general liability insurance.

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What is hired and non-owned auto liability insurance?
Hired and non-owned auto liability insurance is a coverage found most often on a business auto policy or the business owners policies (BOP).  The coverage provides protection for the business in the event an employee gets into an at-fault auto accident while driving their own personal vehicle or any other vehicle not owned or a rented vehicle during the course of their work duty.  For example, you send an employee from HR to get supplies down the road, and they get into an accident on the way there, that is where hired and non-owned auto will kick in.

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