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Home > Frequently Asked Questions

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. AUTO: How does full glass coverage work?
  2. AUTO: What is the difference between comp and collision coverage?
  3. AUTO: What is covered by comprehensive physical damage on car insurance?
  4. AUTO: Do I need more than the state minimum coverage?
  5. AUTO: If my garage burns down, will my homeowners insurance cover my car?
  6. AUTO: When do I file an auto insurance claim?
  7. AUTO: What’s the difference between Bodily Injury coverage and Med Pay?
  8. AUTO: Does my auto insurance pay if someone else is driving my car?
  9. AUTO: What is physical damage coverage on a car insurance policy?
AUTO: How does full glass coverage work?

Full glass coverage is an additional physical damage coverage which can be purchased on a personal or business auto insurance policy.

However, full glass coverage often needs to be purchased in conjunction with comp coverage. Full glass coverage adds glass breakage as an additional named peril to the auto insurance policy. This means you have coverage in the event that a rock gets kicked up off the road it breaks your windshield and in most cases there is NO deductible paid by you.

Full glass coverage does not coverage mirrors on most policies.



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AUTO: What is the difference between comp and collision coverage?

Comp (a.k.a Comprehensive or Other Than Collision) and Collision are physical damage insurance coverages on a personal or business auto insurance policy.

Collision coverage provides reimbursement for damage to your vehicle after you’ve been in a car accident in which there is no fault or you are at-fault. Comp provides reimbursement for a set of named perils that include, fire, hit an animal, falling object, car get’s struck by lightning and more.

Comp will often be provided in conjunction with full glass coverage but is technically a separate part of the auto insurance policy.



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AUTO: What is covered by comprehensive physical damage on car insurance?

Comprehensive physical damage coverage (also known as “comp coverage” or “other than collision coverage”) is an added coverage to your auto insurance policy that covers damage to your vehicle.

Comprehensive physical damage coverage covers a loss from risks other than a collision including but not limited to hitting a deer, fall objects, water damage, fire, lightning, wind, vandalism and can also include glass coverage.

Remember that you must add comprehensive physical damage coverage to your auto insurance policy because it is not part of a basic insurance policy.



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AUTO: Do I need more than the state minimum coverage?

The quick and easy answer to this is yes. You should have more insurance coverage than the state mandated minimum auto coverages.

But it all depends on your interpretation of what insurance is for. If you believe that insurance is in place to protect you for your “Worst Day” than the state minimum auto coverage is never going to protect you against that “Worst Day.”

I can’t tell you what level of insurance coverage you should have but I can tell you that the state minimum insurance coverage will not properly protect you in the event something horrible happens.



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AUTO: If my garage burns down, will my homeowners insurance cover my car?

If your car is parked in your garage and there is a fire that causes damage to the car your homeowners insurance policy with NOT cover the loss to your car.

In order for your car to be covered you must carry comprehensive physical damage coverage on your auto insurance policy.



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AUTO: When do I file an auto insurance claim?

The most important thing to remember about filing an auto insurance claim is to make sure you call EMS or 911 first.

That may sound crazy but making sure a situation is safe and the proper authorities have been notified is important.

The insurance company is going to want to see a police report especially if there was another vehicle or someone else’s property involved in the accident.

As far as when you should file. Calling the next day is fine but the sooner the better. Remember you can always call your independent insurance agent ( Nuzum Insurance Agency) to make sure the claims process is handled properly.



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AUTO: What’s the difference between Bodily Injury coverage and Med Pay?

Bodily Injury liability insurance is coverage against You being 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… If you are under the influence of drug or alcohol your No-Fault coverage does not respond.

So the only coverage you will get to cover your own medical expense will be Medical Payments.



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AUTO: Does my auto insurance pay if someone else is driving my car?

Auto insurance follows the car. If you give a friend permission to take your car to the store and he is involved in an accident, coverage will be based on the policy for that vehicle – not the driver.

Insurance companies require that policy holders declare all drivers in a household, and it can cause problems in the event of a claim if a household driver was not disclosed to the insurance company. After the insurance pays the claim, the company may have the right to cancel the insurance on renewal because the policyholder misrepresented himself when applying for coverage.



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AUTO: What is physical damage coverage on a car insurance policy?

Physical Damage coverage on your auto insurance policy is coverage for damage done to your car.

Now if someone else is at-fault then their auto insurance will most likely pay for the damage. But when that is not the case then damage to your auto is covered under physical damage coverage.



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14385 Hereford Road | Woodbridge, VA 22193
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