Frequently Asked Questions

How Long Do Tickets Stay On My Record?

All minor traffic convictions and accidents remain on your driving record for three years. All major violations remain on your driving record for seven years. Points for traffic convictions and chargeable accidents are added and removed at the renewal of your policy. There is no change to the policy during your policy period to add or delete points.

What Should I Do If I Have An Accident

First, make sure you, your passengers and others are not injured. If there are injuries call 911 immediately. Second, in most states the police should be notified. Third, you should give your information to the other driver(s). Provide your name, address, and telephone number. Also let them know your auto insurance coverage is through Peninsula General. Then get this same information from the other driver(s). Finally, contact Peninsula General Insurance at your first opportunity. We can process your information with your insurance company to make sure your claim gets handled right away.

Why Should I Buy From An Agent?

As a broker of insurance, Peninsula General represents you-the customer. We shop from our selection of different insurance companies to locate the best combination of price and coverage for you! Then we continue to stand by you, shopping each renewal to make sure that your insurance coverage keeps pace with your changing life.

How Does Peninsula General Have Great Rates For All Types Of Drivers?

When you contact us for an insurance quote, we shop our selection of different auto insurance companies to find the most appropriate coverage at a great price. Some of our insurance carriers specialize in good drivers, while others write mostly high-risk drivers. No matter what your situation, we can place you with an auto insurance company that’s right for you at a very competitive price.

What Is Uninsured Motorist Coverage?

Even though liability coverage is advisable and often required, there are many people who do not buy insurance. If an uninsured motorist causes an accident you may not be able to recover any damages that you sustain. If you purchase Uninsured Motorist Coverage, your auto insurance company will pay you for the property damage and bodily injury caused by an uninsured motorist. It will cover you, any family member, and anyone occupying a covered automobile. The limits for this coverage are usually the same limits that you selected for liability, although you can choose lower limits. There are also times when a person who causes an accident has liability insurance but your damages exceed the limits of that person’s coverage. In some states Underinsured Motorist Coverage is included in your Uninsured Motorist Coverage. In other states, you can purchase underinsured motorist insurance, which covers your excess losses up to the limit set forth in the policy.

How Much Liability Coverage Do I Need?

Most state laws require that you carry a minimum amount of liability insurance, which pays for the injuries or damages you cause to someone else. While some people need only the minimum level of protection, others have assets that they need to protect. If you are unsure about how much liability insurance you need, consult a Peninsula General insurance professional. We can tailor a program to provide the right amount of protection for you and your family.