Yes, if there is equity in the car (i.e., a down payment made) or 30% of the insurance policy is paid down.

Purchase price is the price you paid for your vehicle and Insured value is the current market value. If your car is declared a total loss, your insurance company will pay you only the insured value of the auto as of the date of the loss, not the cost to replace it. Your auto's value is determined by the following factors: the retail value for an auto of like kind and quality prior to the accident; the price paid for the auto plus the value of prior improvements to the auto at the time of the accident; the decrease in value of the auto resulting from prior unrelated damage which is detected by the appraiser or for which a claim has been paid; and the actual purchase cost of an available auto of like kind and quality.

Because nothing catches the eye like a hummingbird. They flit about like spirits of the air, free from gravity’s grip. When a sunbeam falls on them, they shine in greens, reds, and golds so brilliant that they seem to have flown straight out of a painting. In ancient American cultures, the hummingbird was considered to be a creature of enchantment, a messenger from another world. We’ve chosen the hummingbird as our symbol because it represents the attributes that we seek to instill in our company. Like the hummingbird, we win through agility and nimbleness rather than through size and force. And like the hummingbird, when we do something, people notice.

Third party car insurance covers only your liability for injury to others (including passengers) and damage to other people’s property. Third party does NOT cover damage to your own person, car, or property. You can however, purchase additional coverage against fire, theft, and windscreen damage that might happen to your car.

Comprehensive insurance covers everything third party does PLUS the damage to your own car caused by any of the following:

• Accident,
• Fire and Theft,
• Hurricane and Flood,
• Windscreen damage

With comprehensive insurance, you have the option of waiving certain coverages. For example, if you want to waive hurricane protection, you can do that and pay a lower premium.

Comprehensive insurance does NOT cover the insured driver's medical bills in the event of a car accident.

No. Comprehensive insurance does not cover the insured driver’s medical bills in the event of an accident.

A deductible is the amount you agree to pay out of pocket for damage resulting from a specific loss or accident. Generally, choosing a higher deductible will lower your premiums.

It’s important that you submit the claim in a timely fashion after the accident. The sooner, the better. There are two steps to submitting a claim:

1. Informing us of the accident. This can be done by calling us at 94SAXON (947-2966) or submitting a claim online.
2. Filling out and signing a claims form. This must be done in the presence of one of our representatives, either at our offices or at another location convenient to you.

After the accident, if circumstances allow, inform us as soon as possible and let us know the time and place of the accident. Don’t admit fault to anyone. If you call us from the accident scene itself, we’ll send a claims representative there to help you fill out the claims form at the scene. The claims form documents the name, address, and contact information of everyone involved in the accident, and the circumstances (time, place, road conditions, damage caused) of the accident.