FAQ | AA Lares Insurance

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Frequently Asked Questions

Got questions? We have answers. Here are some of the questions we answer on a daily basis.

If you need more information about your specific policy, give us a call, send us an email, or message us directly,

by clicking on the button on the bottom right of your screen.

Will my auto insurance cover other drivers?

The most popular term in insurance is “it depends”. There is no way to make a blanket statement that will cover ALL insurance policies. To find the most proper answer for this question, you must look to your insurance policy.

Most preferred insurance policies operate under the term “Permissive Use” This means those people, that are not directly excluded from your policy and have your implied permission to use your vehicle are covered on your insurance policy.

Typically, if someone is a licensed driver in the home, or has regular access to the vehicles, it is best to list them on the policy. Check with your insurance agent or review your policy to find out the details of your coverage.

What is med pay? Do I need it?

Bodily Injury liability insurance is coverage against you when you’re at-fault in an auto accident in which there is bodily injury to a 3rd Party most often in another car.

Medical payments is a coverage designed to cover the medical expense of individuals within your car. Another interesting fact about medical payments coverage is you do not have to wait for approval from the adjuster. This coverage is meant to be a deterrent to having to get into a full-blown lawsuit, many claims can be put to rest by simply using this coverage.

Can I cancel my insurance policy before it expires?

You can cancel a personal insurance policy (i.e. Auto, Home, Boat, etc.) at any time without penalty UNLESS your policy has a cancellation fee or a minimum earned premium amount however, most preferred insurance carriers in California do not have cancellation fees. All policies are cancelled pro-rata which mean you only pay for what you use…

Does my auto insurance cover a rental car?

The simple answer is: Yes. Your insurance policy will cover your rental car as long as you have comprehensive and collision (full coverage) on your current policy. Simply put, whatever coverage you have on your current policy, it will transfer to a rental car.

Here is where things get tricky. If you’re renting a car from a rental car agency, and that agency is charging you, or the insurance company a daily rate, then you could be on the hook for that daily rate if the car is in the shop being fixed by your insurance policy.

If you’re in a new place, or if you have the rental car for a longer period of time, it’s our suggestion that you purchase the insurance agreement from the rental car agency. This will make sure that the daily charges are paid for by the rental car insurance policy.

How do I know I'm getting a good deal?

The best way to assure that your rates remain competitive is to work with an independent insurance agency, like AA Lares Insurance Services. However, the rate you pay is not as important as having the RIGHT coverage.

1. Find 3-5 independent insurance agencies near you

2. Call and interview them, ask them questions like “what makes you different than the masses?” and “what services and value to you bring to the table”

3. Once you find someone that you are comfortable with, make an appointment, and ask them to provide you with a need analysis and what policies and coverages you need in place.

Will my auto insurance cover other drivers?

When should I file a claim?

No one looks forward to “filing a claim”. But this is why you have insurance right?

Here is what you should do prior to filing your claim.

1) Make sure you’re in a safe location. If you’re involved in an auto accident, do not look to file a claim from the road. If you’re home is damaged, make sure you’ve stopped the threat of further damage. i.e If you’re pipes have burst, make sure the water is turned off and no further water damage can take place.

2) Evaluate the damage and compare it to your deductible. Ask yourself this question, “Is it better to come out of pocket and self insure this damage, rather than filing a claim on my insurance and risking the rates going up for 3-5 years?” Here is a good example of that, if you’re involved in an at fault auto accident, and the damage to your car is $850 to fix, but your deductible is $500, does it make sense to file a claim, or to pay the $350 extra out of pocket and maintain a clean driving record?

Why do I need uninsured motorist coverage, isn't it a law everyone has to have insurance?

An often-misunderstood auto insurance coverage is uninsured/under-insured motorist coverage. This coverage protects you and the people in your car in the event another driver hits you with inadequate (under-insured) insurance coverage or no auto insurance (uninsured) at all.

Often drivers that carry low auto insurance liability limits do not have many assets to protect. So in the event that you or someone in your car is badly injured by another driver and they have inadequate auto insurance liability limits there is nothing to gain by suing the driver.

In that case you can put a claim in under your own insurance policy for uninsured motorist insurance coverage, uninsured motorist insurance coverage is a relatively inexpensive coverage that is extremely important.An often-misunderstood auto insurance coverage is uninsured/under-insured motorist coverage. This coverage protects you and the people in your car in the event another driver hits you with inadequate (under-insured) insurance coverage or no auto insurance (uninsured) at all.

How do I lower my insurance?

There are five common ways to lower your insurance.

1) Are we bundling all of your policies together? If you only have one line of insurance with us (auto without home or renters, and vice versa) you’re probably paying more than you need to. Putting everything together in one place is a great way to reduce your premium on each policy.

2) If you have any young drivers in the home, they may qualify for a “good student discount” if they have a high school GPA that is 3.0 or better

3) If you’re insuring some of your household vehicles on different policies, you could be paying too much. Having all of your cars together gives you a multicar discount

4) What do you do for a living? Certain occupations like: Police officers, firefighters, teachers and educators, registered nurses, scientists, and those with a four year college degree qualify for certain occupational discounts.

5) Does your home or car have an active alarm? Having one can also reduce the premiums on your policies.