Frequently Asked Insurance Broker Questions

We work hard to give you the most precise estimate possible so there are no surprises. When anything differs, our estimate tends to come in above the final price — we would rather promise less and deliver more.

If your premium has jumped, One Stop Insurance Group Inc can help you find more affordable options. Our brokers compare today's market to locate the most competitive pricing and build a package that fits both your coverage needs and your budget.

No. Schedule a no-obligation consultation and you will receive free quotes from multiple carriers so you can compare them side by side. We help you find the right quote with no strings attached.

When a vehicle is financed, the lender requires full coverage instead of the minimum coverage your region mandates. That means adding both collision coverage and comprehensive coverage to qualify.

Yes. One Stop Insurance Group Inc offers specialized RV and motorhome insurance. Ask our brokers about customized plans built around your vehicle and travel habits.

Collision coverage handles repair or replacement when your vehicle is damaged in a crash with another vehicle or with an object attached to the ground. Payouts go up to the current cash value of your car.

Comprehensive coverage handles repair or replacement when damage comes from unexpected events such as theft, vandalism, fire, natural disasters, falling or flying objects, or civil unrest. Payouts go up to the current cash value of your car.

An at-fault accident is one where you are deemed responsible for causing it — whether through something you did or something you failed to do.

In most situations, car insurance follows the vehicle rather than the driver. So as long as your friend holds a valid license, your policy should cover damage that occurs.

A lapse happens when you stop paying for or cancel your car insurance. We advise avoiding a lapse because it can lead to expensive consequences. With One Stop Insurance Group Inc, we help you keep payments on schedule and explain the risks involved.

When you file a claim, the deductible is the amount you pay before your insurer covers the remainder. As your dedicated brokers, we aim to connect you with carriers offering the lowest deductibles so you rarely pay out of pocket. That way you shop competitive rates and work with trustworthy lenders that put clients first.

Most accidents and tickets remain on your record for about 3 years, though serious violations can stay for up to 10. For instance, an at-fault accident stays on your driving record for at least 6 years from the date of conviction.

Comprehensive insurance covers hail damage because it falls under acts of nature. It usually involves a deductible, and for severe damage you are covered up to the actual cash value of the vehicle.

Yes — comprehensive coverage also handles flood damage. If you want full protection for non-vehicular incidents, adding this coverage is essential.

If your plan includes collision coverage or all-perils coverage, pothole damage is covered. Hitting a pothole counts as a single-vehicle collision and is therefore a covered loss.

Your premium is the amount you pay regularly to keep coverage active, and depending on the policy type you may pay monthly, quarterly, semiannually, or annually. For home, auto, or life insurance, limits and deductibles are common factors that shape your premium. A limit is the maximum amount covered on a claim — generally, a higher limit means a higher premium. Our agents can help you pinpoint the right coverage limit for your needs while staying on budget. A deductible is what you pay out of pocket for a covered claim, and choosing a higher deductible can often lower your premium. Talk with our professionals to see what suits you best.

With no-fault insurance, your insurer processes your claim and covers the damage regardless of who caused the accident. This speeds up the claims process, and premiums rise for the party at fault.

We recommend reviewing your coverage at least once a year. If you have experienced a major life change, check in with us as soon as possible. Reach us at (754) 544-2772 to schedule an appointment.