Catastrophic Insurance
Catastrophic Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
- Add Driver to Existing Auto Policy
- Add Vehicle to Existing Auto Policy
- Remove Driver from Existing Auto Policy
- Remove Vehicle from Existing Auto Policy
- Request Declaration and Coverages Page for Auto Policy
- Request ID Card for Auto Policy
Catastrophic Insurance Information
What is Catastrophic insurance?
Catastrophic insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Catastrophic insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An Catastrophic insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need Catastrophic insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent
Your Independent Agent is an advocate for finding catastrophic insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
| This policy | Insurance on Healthcare.gov |
|---|---|
| Might not cover you due to preexisting health conditions like diabetes, cancer, stroke, arthritis, heart disease, mental health and substance abuse disorders | Can’t deny you coverage due to preexisting health conditions |
| Might not cover things like prescription drugs, preventive screenings, maternity care, emergency services, hospitalization, pediatric care, physical therapy and more | Covers all essential health benefits |
| Might have no limit on what you pay out-of-pocket for care | Protects you with limits on what you pay each year out-of-pocket for essential health benefits |
| You won’t qualify for Federal financial help to pay premiums and out-of-pocket costs | Many people qualify for Federal financial help |
Our catastrophic insurance service information above provides details on how catastrophic insurance protects against financial loss in the event of accidents. It outlines different coverage options including property, liability, and medical coverage, and emphasizes the importance of catastrophic insurance for financial protection. An effective catastrophic insurance policy typically includes six types of coverage. While most states mandate certain coverages, others may be optional. If you're financing a vehicle, your lender may have additional requirements. Auto policies generally last for six months or a year, and your insurer will notify you when it's time to renew and pay your premium.
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