FAQs

How to I get a quote from E-Z-Insurance?

Just click on one the the quote links on any page and you'll be taken to the appropriate form. Just fill out the form and click "Submit" .

Am I covered when I rent a car? 

Yes, if you have full coverage on at least one car and you rent the car in The United States or Canada, However, we recommend that you purchase the insurance (called collision waiver deductible or CWD) from the car rental agency. If you don't purchase CWD you may be responsible for hidden charges such as the cost of the rental car while it is being repaired. Also, your credit card may be charged for car repairs until insurance issues are settled. Some rental contracts have strict limitations on usage such as driving the car off road. Read the contract before you decline the CWD.

What is an SR22?

It is a filing to the Department of Motor Vehicles by the insurance company to show that you have met financial responsibility to get your driver's license reinstated, This filing is requited in situations typically involving serious driving violations such as DWI or when required by the courts. Our agency can help you get SR22 forms quickly.

What determines a total loss?

When the cost to repair is equal to or exceeds the value of the vehicle. Value is determined by the actual cash value (ACV) at the time of the loss by the insurance companies Values are determined in part by a market survey. If there TS a dispute as to the ACV, then an independent arbitrator can be brought in to help with a settlement.

How much insurance is enough?

You should consider having enough liability coverage to equal or exceeding your current assets and future earnings. Remember, you will, be responsible for any amount of loss over your policy limits as awarded by the courts or jury. We strongly recommend adding an umbrella or excess liability policy to help insure against financial ruin. Our umbrella insurance.