Frequenty Asked Question - Paul Hall & Associates

Am I covered if I rent a car?

Car rental companies charge daily fees for their own insurance to damages in your rental agreement. However, it is possible that your current auto policy provides rental car coverage. This typically depends on what type of coverage you currently carry on your policy. If you have full coverage on a vehicle, this should carry over. Contact us so we can give you the exact coverage limits that may transfer.

Did you receive an Random Selection Letter from the BMV?

We can help you take care of that! Get us the letter and we will do the rest. To learn more, read our blog about the details on this.

Does My Homeowners Policy Cover Flood Damage Caused?

Flood coverage is provided through the National Flood Insurance Program. If you have a National Flood Insurance Program policy purchased through our agency you can report your loss by contacting us.

How Long Will My Claim Take?

Every claim is unique, and many things can affect how long it takes to resolve a claim. However, we want you to know that our claims teams are made up of experienced professionals who work with claims similar to yours day in and day out. They'll always do their best to get your claim resolved efficiently. You can help your claim process go smoothly by providing us with all the information you can about the incident. Talk with your claims team to make sure you've given them everything they need.

I need a new copy of my auto ID card. How do I get that?

Click HERE and we will email you one or contact our office and we can make arrangements that work for you.

I'm thinking of buying a motorcycle. Can I just add it to my auto policy?

Having the right motorcycle coverage is very important and also very different from your car insurance, so you will need a separate policy. The good news is you could qualify for a multiple-policy discount.

My windshield was damaged by a falling rock. Is that covered?

In most cases, this type of damage is covered under your Comprehensive Coverage.

What does "full coverage" mean?

This is an often a misinterpreted term, and doesn’t refer to a policy that covers “everything.” Instead, full coverage typically refers to a policy that includes both liability coverage and coverage for damage to your property. Your Auto insurance Policy Declaration page lists the coverage you have selected, and one of our agents can help explain the breakdown of your policy coverages.

What is a Deductible?

A deductible is the amount you've agreed to pay out of your pocket before we pay for any covered losses. For example, if the covered claim is $4,500 and you picked a $500 deductible, you pay $500, and we then pay the remaining $4,000.

What is a Good Student Discount?

The good student discount is an auto insurance discount available that rewards young drivers for doing well in school. To qualify, the driver must be between 16 and 24 years old, a full-time student enrolled in high school or college, and must provide documentation that the student has a “B” grade average or better or an average of at least a 3.0 for all subjects combine.