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Welch's Insurance Agency Inc
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Welch's Insurance Agency Inc
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Auto Insurance in Donnellson, IA

Is it easy to switch auto insurance carriers or insurance agents?
  1. In short, yes. But, there is a procedure to follow for best results. If your previous carrier is reputable you will get a pro-rated refund fairly quickly. An insurance agent can help you with this process. You want to make sure you have coverage in place with the new carrier before you cancel your policy with the old carrier. This is important as you do not want to be uninsured for even a few hours.
  2. When switching agents but keeping the same carrier, a Broker-of-record (BOR) letter may need to be completed by your new agent (signed by you)
  3. When switching carriers but keeping the same agent – this could be quite simple if the agent has a partnership with the new carrier. If not, your agent can advise you of the procedure, which may involve switching to another agent (which may require some additional paperwork)

What auto insurance coverages follow the driver and what coverages follow the vehicle?
  1. You will need to double check with your agent and/or insurance carrier who will help you understand your policy and its exclusions, but, in general –
    1. Liability insurance follows the driver to any eligible vehicle driven by the insured.
    2. Comprehensive and Collision insurance however are related to the vehicle and follow the covered vehicle. But, many conditions apply, the most common of which is that the ‘loaned’ vehicle must have been driven with explicit permission from the person loaning (the primary insured) the vehicle.
    3. Exceptions apply, get in touch and we will help you understand your policy exceptions and coverages.
  2. To learn more from our experts in the Donnellson, IA and surrounding areas, get in touch with us.

Auto Insurance coverages explained

  1. Bodily-injury liability insurance is mandatory in all states. The exceptions or workarounds are -
    1. New Hampshire (personal responsibility requirement by owner/driver)
    2. Virginia (uninsured motorist fee)
    3. Mississippi (motorists can post bonds)
  2. So, at the very minimum all drivers must have bodily-injury liability insurance or some form of protection for damages to the drivers of the vehicles involved, their passengers and even pedestrians.
  3. Our auto insurance experts have helped many folks in the Donnellson, IA and surrounding areas. Get in touch, we can help you too.

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Welch's Insurance Agency Inc has other insurance programs like Business Insurance in Donnellson, IA.