Frequently Asked Questions

Frequently Asked Questions

Frequently Asked Questions

Great Rates For All Types Of Drivers?

How is this possible you ask?

Simple.

We have specialty insurance programs for all driver types.

This means, we find an insurance company that matches your needs, and not someone else.

This is helpful, since you are an individual, and why you need individualized driver insurance.

When you contact us for an insurance quote, we shop our selection of different auto insurance companies.

We will match you with the perfect fit.

 Driver Programs Offered:

  •  Good Driver Car Insurance
  •  High Risk Driver Insurance
  •  SR-22 Or DUI Coverage
  •  And More!

No matter your situation, we can help!

Let us place you with an auto insurance company, that is your perfect fit!

Great Rates! + Great Service! = Peninsula General Insurance

How Long Do Tickets Stay On My Record?

All minor traffic convictions and accidents remain on your driving record for three years.

However, all major violations remain on your driving record for seven years, and with major DUI cases, up to 10 years.

Each auto insurance company, will charge according to their underwriting guidelines. So, if insured, always refer to your current insurance carrier first.

Points for traffic convictions and chargeable accidents, are added and removed, at the  time of policy renewal. So, this is a good time to review your auto policy, and compare insurance quotes!

This is because, you may have had a ticket or accident removed from your driving record, since your last policy period.

Now with a policy renewal in sight, you could save money on auto insurance.

How? Because, you are no longer being rated with any convictions or accidents, as before.

Having a clean driving record, can definitely help save you money!

Keep in mind, no change to your policy can be made during your policy period. So, any points that will be removed or added, happen at the renewal period and not policy midterm.

How Much Liability Coverage Do I Need?

Most state laws require that you carry a minimum amount of liability insurance.

This basic state minimum liability coverage, will pay for the injuries, or damages you cause to someone else.

While some people may only need the minimum level of protection, others have assets that they need to protect.

Let us tailor an insurance program that matches the right amount of protection for you and your family.

If you are unsure about how much liability insurance you need, or just have a general question, consult an insurance professional, from Peninsula General, today!

What Is Uninsured Motorist Coverage?

Even though liability coverage is advisable and often required, there are many people who do not buy insurance protection.

So, If an uninsured motorist causes an accident, you may not be able to recover any damages that you sustain.

However, If you purchase Uninsured Motorist Coverage, your auto insurance company will pay 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, Under-insured Motorist Coverage is included in your Uninsured Motorist Coverage.

This means, in other states, you can purchase under-insured motorist insurance, which covers your excess losses up to the limit set forth in the policy.

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 the following information:

  •  Your Name,
  •   Address,
  •  And Telephone Number

Also let them know your auto insurance coverage is through Peninsula General.

  • Next, 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?

Easy. Because, Peninsula General represents you-the customer.

We shop and compare only A+ Superior Insurance Companies, like Mercury Insurance for you!

Personalized insurance attention to your policy needs from day one, with service that continues during the entire policy lifespan!

Specialty Insurance Programs and Niche Markets, to serve all your insurance needs, not just auto and home insurance.

Bundle and Save, with all your insurance needs.

Find a local insurance agent!

Our Commitment to Accessibility

Peninsula General Commercial is committed to making our website's content accessible and user friendly to everyone. We comply with all the recommendations in WCAG2.0 the Web Content Accessibility Guidelines Compatibility Standard by the World Wide Web Consortium (W3C). If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call us at (877) 539-2533 or email our team from our Contact page with “Disabled Access” in the subject line. We take your feedback seriously and will consider it as we evaluate ways to accommodate all of our customers and our overall accessibility policies. Additionally, while we do not control our business partners, we strongly encourage all our third-parties to provide digital content that is accessible and user-friendly.

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