Frequently Asked Questions

• How do I file a claim?
  The best way to file a claim is to first call Brank Insurance to notify us that there has been a loss. We will assist you through all the steps of processing and closing the claim in any way possible.  If it is after hours, a weekend, or holiday, you may call our office and listen for a phone number for your carrier to directly contact your insurance company.  You may also find the number here (claims page)

• What is Uninsured/Underinsured Motorist coverage?
  Uninsured motorist coverage protects a policyholder from uninsured drivers. 
  Underinsured motorist coverage protects the policyholder from other individuals who do not have an appropriate amount of coverage. 

• Do I need to purchase the insurance if I am renting a vehicle?
  If you are renting a vehicle we recommend that you do purchase the insurance offered by the rental company especially if travelling out of the country.

• How do I know what coverage I need, or if I have enough coverage?
  The best way to insure proper coverage is to speak directly with your agent about specific questions or about specific items to be covered.  We always want our clients to be properly covered so at the time of the loss the claim will be paid.

• Who should be covered on my auto policy?
  Anyone who is living in the household over the age of 15 should be covered on the policy.

• If my vehicle is not titled to me who needs to carry the insurance?
  The insurance on a vehicle should always be carried by the title holder.

• If I travel out of state, how is my coverage affected?
  When traveling out of state, minimum limits can differ.  Should you travel to a state with higher limits, your insurance will adjust.

• If I let someone borrow my vehicle are they covered?
  Yes, the insurance follows the car not the individual.  Make sure that anyone driving your car has your permission to do so.

• Will filing a claim cause my premium to increase or cause my insurance to be cancelled?
  It depends on the circumstances.  If there are several losses or one significant loss in one year, a company may choose not to renew the policy or increase the premium; however, insurance is designed to cover you at the time of a loss. Do not hesitate to call our office should you have a loss.

• If I am in an accident do I need to get a police report?
  Yes, any time an accident occurs get a police report.