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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. If I rent a vehicle, will it be covered under my auto policy?
  2. Am I covered if I drive into Canada?
  3. Do I need to let my agent know when my teenager gets his license?
  4. What is the difference between Comprehensive (other than collision) and Collision coverage?
  5. Why is the coverage on my house so high?
  6. Is a flood covered under my Homeowner's policy?
  7. Does my Homeowner's policy provide coverage if water back ups into my basement through my sewers and drains?
  8. What should I do in the case of a deer hit?
  9. What is Fire Legal Coverage?
  10. What is the difference between Replacement Cost (RC) and Actual Cash Value (ACV)?
  11. What does 80% co-insurance mean?
  12. Does my policy cover physical damage to a vehicle I rent?
  13. Can other people drive my business vehicle?
  14. For my business, how does an audit work?
  15. Why do I need certificates of insurance from sub-contractors?
  16. What does Products/Completed Operations mean?
  17. What is Business Interruption/Extra Expense Coverage?
  18. What is the difference between "Named Insured", "First Named Insured", and "Additional Insured"?
If I rent a vehicle, will it be covered under my auto policy?
Your policy does extend coverage for rental cars, however, there may be exclusions that apply.  Please call our office for additional information prior to renting the vehicle.

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Am I covered if I drive into Canada?
Your policy does provide coverage when traveling in Canada.  A specialized ID card is not necessary.

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Do I need to let my agent know when my teenager gets his license?
Yes. 

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What is the difference between Comprehensive (other than collision) and Collision coverage?
Comprehensive covers a loss due to fire, theft, vandalism, falling objects, and damage from an animal.  Collision covers a loss caused by collision with another object or overturn.

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Why is the coverage on my house so high?
Replacement Cost Coverage is determined by the current cost of building materials to repair or rebuild your home should you have a loss.  In some instances, replacement cost could exceed the current market value/assessed value of your home.

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Is a flood covered under my Homeowner's policy?
No.  A separate flood policy would need to be purchased.

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Does my Homeowner's policy provide coverage if water back ups into my basement through my sewers and drains?
No.  However, an endorsement can be added to your policy that would provide coverage.

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What should I do in the case of a deer hit?

  • Check for injuries & call 911 if you are hurt
  • Call your local police for assistance
  • If uninjured, make sure your car is safely off of the road and out of the way
  • If uninjured, check your vehicle and make note/take photographs of any damage
  • Notify your insurance company
  • Leave any blood, fur, etc. on the vehicle, and do not try to wipe it off
  • DO NOT go near the animal, even if it appears to be dead. This can be dangerous

Prevention:

  • WEAR A SEATBELT AT ALL TIMES
  • DRIVE SLOW in inclement weather, and proceed cautiously at night
  • Use your high beams when there is no oncoming traffic
  • Both hitting a deer and trying to avoid it can cause great injury to you
  • Honk your horn if you can, with one long blast
  • Try not to hit the deer straight-on, but instead clip it at an angle if you cannot avoid it
  • Be aware of the traffic behind you.  Slow down/brake hard if there is enough distance between cars
  • Remain in the same lane, as you run the risk of head-on or side-lane traffic collisions

Important Facts:

  • Deer are most active two hours before dawn, and two hours after dawn
  • Seasonably, deer are most active during October through December
  • Deer usually travel in packs.  Be mindful of multiple deer crossings
  • Crashes are just as likely to happen due to hitting another car while avoiding deer



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What is Fire Legal Coverage?
Fire legal coverage provides coverage to you if you rent a business space and are held responsible for fire damages to that rented space.  It does not apply to all business risks.

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What is the difference between Replacement Cost (RC) and Actual Cash Value (ACV)?
Replacement Cost is the current cost to replace property.  Actual Cash Value is the replacement cost less depreciation.

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What does 80% co-insurance mean?
Insurance carriers require that an insured party insure at least 80% of their property's value in order to collect a partial loss in full.  This is the way the insurance companies encourage all insured's to adequately insure their property in relation to other insured's.

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Does my policy cover physical damage to a vehicle I rent?
This damage will be covered only if that type of coverage is purchased.

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Can other people drive my business vehicle?
Other people may drive your vehicle with your permission.  It is important that they be listed on your policy if they are regular drivers of the vehicle.

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For my business, how does an audit work?
At the end of the policy term, the insurance company will review the policy and either charge or credit the policyholder based upon an audit of estimated figures.  Examples of estimated auditable items include sales and payroll.  Audits can be performed onsite by an auditor or via mail or telephone.  A premium is charged for audit estimations (often 25% of your beginning annual premium).

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Why do I need certificates of insurance from sub-contractors?
An audit may require you to show proof that sub-contractors had their own insurance coverage.  The sub-contractors' certificate of insurance will prevent you from being charged for their exposures.

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What does Products/Completed Operations mean?
Products/Completed Operations refers to the liability coverage for damages caused by your operation or products after the point at which you no longer have control of them.

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What is Business Interruption/Extra Expense Coverage?
Business Interruption/Extra Expense coverage provides coverage for income loss and the expense of establishing a temporary site during repairs due to damages related to a fire or compensable loss.

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What is the difference between "Named Insured", "First Named Insured", and "Additional Insured"?

Named Insureds are those listed by name in the relevant block of the policy's declaration page.  Although the named insured is commonly one person, partnership, corporation, or other entity with insurable interests, multiple named insureds may be included.

First Name Insured is the first "named insured" listed on the policy declarations (front page of the policy).  This insured acts as the legal agent for all named insureds in initiating cancellation, requesting policy changes or accepting any return premiums.  The first named insured may also be responsible for payment of the premiums.

Additional Insured is an entity to which a policy's coverage is extended.  An additional insured must be added to the policy prior to a claim being paid.  There must be a tied to relationship between the additional insured and named insured.  Being an additional insured on another's policy does not eliminate the need for someone to have his/her own Commercial General Liability policy.



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Emerling Agency
9092 Main Street
Clarence, NY 14031


Phone: (716) 631-0190
Fax: (716) 631-0198
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