{"id":1267,"date":"2024-02-27T23:07:40","date_gmt":"2024-02-27T23:07:40","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/?page_id=1267"},"modified":"2024-04-23T16:21:33","modified_gmt":"2024-04-23T16:21:33","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.acceptanceinsurance.com\/faq\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"<div class=\"c-section\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-section__content\">\n            <div class=\"c-faqs-wrapper\">\n                <div class=\"c-faqs-categories\">\n                    <div class=\"c-faqs-categories__wrapper\"  role=\"navigation\">\n                        <h2 class=\"c-faqs-categories__title\" id=\"faqsCategoriesTitle\">Topic Categories<\/h2>\n                        <ul class=\"o-list-bare c-faqs-categories__list\">\n                                                            <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/auto-insurance-faq\/\" aria-current=\"page\">Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/motorcycle-insurance\/motorcycle-insurance-faq\/\" aria-current=\"page\">Motorcycle Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/life-insurance\/life-insurance-faq\/\" aria-current=\"page\">Life Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/renters-insurance\/renters-insurance-faq\/\" aria-current=\"page\">Renters Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/homeowners-insurance\/homeowners-insurance-faq\/\" aria-current=\"page\">Homeowners Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/hospital-indemnity-protection\/hospital-indemnity-protection-faq\/\" aria-current=\"page\">Hospital Indemnity Protection<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/telemed\/telemed-faq\/\" aria-current=\"page\">Telemedicine<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/pet-insurance\/pet-insurance-faq\/\" aria-current=\"page\">Pet Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/mexican-car-insurance\/mexican-car-insurance-faq\/\" aria-current=\"page\">Mexican Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/boat-insurance\/boat-insurance-faqs\/\" aria-current=\"page\">Boat Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/business-insurance\/business-insurance-faq\/\" aria-current=\"page\">Business Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/motorhome-and-rv-insurance\/rv-and-motorhome-insurance-faq\/\" aria-current=\"page\">RV and Motorhome Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/atv-insurance\/atv-insurance-faq\/\" aria-current=\"page\">ATV Insurance<\/a>\n                                    <\/li>\n                                                        <\/ul>\n                    <\/div>\n                <\/div>\n                <div class=\"c-faqs\" id=\"faq-list-block_2d5a904c044e389dd1a6ba59f17a7466\">\n                    <h2 class=\"c-faqs__title c-section__title c-section__title--left c-section__title--blue c-section__title--with-img\">\n                                                    <img decoding=\"async\" class=\"c-section__title-img\" loading=\"lazy\" alt=\"\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-auto-insurance-1.svg\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\">\n                                                 \n                    <\/h2>\n                    <div class=\"c-faqs__questions\">\n                                                    <div class=\"c-faqs-index\">\n                                <h3 class=\"c-faqs-index__title\">Coverages<\/h3>\n                                <ul class=\"o-list-bare c-faqs-index__list\">\n                                    <li class=\"o-list-bare__item c-faqs-index__item\">\n                                        <a class=\"c-faqs-index__link\" href=\"#question1\">Is Full Coverage Really Full?<\/a>\n                                    <\/li>\n                                    <li class=\"o-list-bare__item c-faqs-index__item\">\n                                        <a class=\"c-faqs-index__link\" href=\"#question2\">How much insurance coverage do I need?<\/a>\n                                    <\/li>\n                                    <li class=\"o-list-bare__item c-faqs-index__item\">\n                                        <a class=\"c-faqs-index__link\" href=\"#question3\">How do I know if I chose the right coverages?<\/a>\n                                    <\/li>\n                                    <li class=\"o-list-bare__item c-faqs-index__item\">\n                                        <a class=\"c-faqs-index__link\" href=\"#question4\">What if I have a question about coverages during my quote?<\/a>\n                                    <\/li>\n                                    <li class=\"o-list-bare__item c-faqs-index__item\">\n                                        <a class=\"c-faqs-index__link\" href=\"#question5\">Can I add or remove coverages in the middle of my policy?<\/a>\n                                    <\/li>\n                                <\/ul>\n                            <\/div>\n                            <div class=\"c-faqs-index\">\n                                <h3 class=\"c-faqs-index__title\">Changing Your Policy<\/h3>\n                                <ul class=\"o-list-bare c-faqs-index__list\">\n                                    <li class=\"o-list-bare__item c-faqs-index__item\">\n                                        <a class=\"c-faqs-index__link\" href=\"#question6\">Is Full Coverage Really Full?<\/a>\n                                    <\/li>\n                                    <li class=\"o-list-bare__item c-faqs-index__item\">\n                                        <a class=\"c-faqs-index__link\" href=\"#question7\">How much insurance coverage do I need?<\/a>\n                                    <\/li>\n                                    <li class=\"o-list-bare__item c-faqs-index__item\">\n                                        <a class=\"c-faqs-index__link\" href=\"#question8\">How do I know if I chose the right coverages?<\/a>\n                                    <\/li>\n                                    <li class=\"o-list-bare__item c-faqs-index__item\">\n                                        <a class=\"c-faqs-index__link\" href=\"#question9\">What if I have a question about coverages during my quote?<\/a>\n                                    <\/li>\n                                    <li class=\"o-list-bare__item c-faqs-index__item\">\n                                        <a class=\"c-faqs-index__link\" href=\"#question10\">Can I add or remove coverages in the middle of my policy?<\/a>\n                                    <\/li>\n                                <\/ul>\n                            <\/div>\n                            <div class=\"c-faqs-answers\">\n                                <div class=\"c-faqs-answers__sub-category\">\n                                    <h3 class=\"c-faqs-answers__title\">Coverages<\/h3>\n                                    <div class=\"c-faqs-answers__answer\">\n                                        <h4 class=\"c-faqs-answers__question\" id=\"question1\">Is Full Coverage Really Full?<\/h4>\n                                        <div class=\"c-faqs-answers__text\">\n                                            <div class=\"s-cms-content\">\n                                                <p>Banks and finance companies require you to maintain full insurance coverage on your vehicle if you finance the purchase of the vehicle. This requirement not only protects the vehicle owner\u2019s interests, but also those of the title holder &#8211; the party that finances the purchase. However, the term \u201cfull coverage\u201d is subject to interpretation and insurance companies often have policies that differ widely when it comes to the extent of coverage provided. It is essential you find out exactly what you are paying for, and what is covered, when accepting a full coverage policy.<\/p>\n                                                <p>To begin with, full coverage does not mean that you do not pay your deductible. Your total deductible is a sum of all the individual insurance coverage options that you have selected. For instance, you may pay $500 for collision insurance and double that amount for theft. However, you still need to pay your deductible if either situation occurs. Remember, your policy does not kick in unless the amount of loss under a particular cover exceeds its deductible.<\/p>\n                                                <p>Secondly, and without actually going into semantics, full coverage does NOT cover everything. For instance, you cannot file a claim for a flat tire. Tires and similar items are regarded as \u2018consumables\u2019, which basically means they are expected to wear out over time and require periodic replacement.<\/p>\n                                                <p>While your car could mean a lot to you, when it comes to a claim, the insurance company applies a strictly business formula. If it is cheaper to get your car repaired than replaced, then a repair is exactly what you will get. It is always the insurance company\u2019s prerogative to decide the nature and extent of a payout.<\/p>\n                                                <p>Insurance liability coverage pays for property damage and injury to others in case of an accident. However, this, like other types of coverage options, comes with an upper limit that YOU decide when buying the policy. Typically, insurance companies spell out the limits you place on each individual policy at the time of signing. The company stops paying when that limit is reached and you could become personally liable for further payouts.<\/p>\n                                                <p>On the whole, you need to look for a policy that balances out your limits and your deductibles to a comfortable range. Because full coverage is not necessarily fool-proof!<\/p>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"c-faqs-answers__answer\">\n                                        <h4 class=\"c-faqs-answers__question\" id=\"question2\">How much insurance coverage do I need?<\/h4>\n                                        <div class=\"c-faqs-answers__text\">\n                                            <div class=\"s-cms-content\">\n                                                <p>Consider your individual needs when chosing the right coverage. Answer these questions: <\/p>\n                                                <ul>\n                                                    <li>\n                                                        <strong>How much can you afford to pay out of pocket? <\/strong>\n                                                    <\/li>\n                                                    <li>\n                                                        <strong>Do you make payments on the car? <\/strong>\n                                                    <\/li>\n                                                    <li>\n                                                        <strong>Are there any drivers in your house that can be excluded from the coverage? <\/strong>\n                                                    <\/li>\n                                                <\/ul>\n                                                <p>The answers should guide your choice of car insurance coverage.<\/p>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"c-faqs-answers__answer\">\n                                        <h4 class=\"c-faqs-answers__question\" id=\"question3\">How do I know if I chose the right coverages?<\/h4>\n                                        <div class=\"c-faqs-answers__text\">\n                                            <div class=\"s-cms-content\">\n                                                <p>While getting your online quote, you will select coverage options. If you\u2019re unsure about what optional coverages to select, call 800-538-3213, to speak directly with a representative who can answer your questions.<\/p>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"c-faqs-answers__answer\">\n                                        <h4 class=\"c-faqs-answers__question\" id=\"question4\">What if I have a question about coverages during my quote?<\/h4>\n                                        <div class=\"c-faqs-answers__text\">\n                                            <div class=\"s-cms-content\">\n                                                <p>If you\u2019re getting an online quote and need assistance, call 866-505-6767<\/p>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"c-faqs-answers__answer\">\n                                        <h4 class=\"c-faqs-answers__question\" id=\"question5\">Can I add or remove coverages in the middle of my policy?<\/h4>\n                                        <div class=\"c-faqs-answers__text\">\n                                            <div class=\"s-cms-content\">\n                                                <p>Yes \u2014 it\u2019s easy to change your policy, too! Call us at 866-505-6767 and a Acceptance insurance representative can help you. Remember some changes can affect the price you pay for insurance, so your premium may change.<\/p>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"c-faqs-answers__sub-category\">\n                                    <h3 class=\"c-faqs-answers__title\">Other Frequent Car Insurance Questions<\/h3>\n                                    <div class=\"c-faqs-answers__answer\">\n                                        <h4 class=\"c-faqs-answers__question\" id=\"question6\">Is Full Coverage Really Full?<\/h4>\n                                        <div class=\"c-faqs-answers__text\">\n                                            <div class=\"s-cms-content\">\n                                                <p>Banks and finance companies require you to maintain full insurance coverage on your vehicle if you finance the purchase of the vehicle. This requirement not only protects the vehicle owner\u2019s interests, but also those of the title holder &#8211; the party that finances the purchase. However, the term \u201cfull coverage\u201d is subject to interpretation and insurance companies often have policies that differ widely when it comes to the extent of coverage provided. It is essential you find out exactly what you are paying for, and what is covered, when accepting a full coverage policy.<\/p>\n                                                <p>To begin with, full coverage does not mean that you do not pay your deductible. Your total deductible is a sum of all the individual insurance coverage options that you have selected. For instance, you may pay $500 for collision insurance and double that amount for theft. However, you still need to pay your deductible if either situation occurs. Remember, your policy does not kick in unless the amount of loss under a particular cover exceeds its deductible.<\/p>\n                                                <p>Secondly, and without actually going into semantics, full coverage does NOT cover everything. For instance, you cannot file a claim for a flat tire. Tires and similar items are regarded as \u2018consumables\u2019, which basically means they are expected to wear out over time and require periodic replacement.<\/p>\n                                                <p>While your car could mean a lot to you, when it comes to a claim, the insurance company applies a strictly business formula. If it is cheaper to get your car repaired than replaced, then a repair is exactly what you will get. It is always the insurance company\u2019s prerogative to decide the nature and extent of a payout.<\/p>\n                                                <p>Insurance liability coverage pays for property damage and injury to others in case of an accident. However, this, like other types of coverage options, comes with an upper limit that YOU decide when buying the policy. Typically, insurance companies spell out the limits you place on each individual policy at the time of signing. The company stops paying when that limit is reached and you could become personally liable for further payouts.<\/p>\n                                                <p>On the whole, you need to look for a policy that balances out your limits and your deductibles to a comfortable range. Because full coverage is not necessarily fool-proof!<\/p>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"c-faqs-answers__answer\">\n                                        <h4 class=\"c-faqs-answers__question\" id=\"question7\">How much insurance coverage do I need?<\/h4>\n                                        <div class=\"c-faqs-answers__text\">\n                                            <div class=\"s-cms-content\">\n                                                <p>Consider your individual needs when chosing the right coverage. Answer these questions: <\/p>\n                                                <ul>\n                                                    <li>How much can you afford to pay out of pocket? <\/li>\n                                                    <li>Do you make payments on the car? <\/li>\n                                                    <li>Are there any drivers in your house that can be excluded from the coverage? <\/li>\n                                                <\/ul>\n                                                <p>The answers should guide your choice of car insurance coverage.<\/p>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"c-faqs-answers__answer\">\n                                        <h4 class=\"c-faqs-answers__question\" id=\"question8\">How do I know if I chose the right coverages?<\/h4>\n                                        <div class=\"c-faqs-answers__text\">\n                                            <div class=\"s-cms-content\">\n                                                <p>While getting your online quote, you will select coverage options. If you\u2019re unsure about what optional coverages to select, call 800-538-3213, to speak directly with a representative who can answer your questions.<\/p>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"c-faqs-answers__answer\">\n                                        <h4 class=\"c-faqs-answers__question\" id=\"question9\">What if I have a question about coverages during my quote?<\/h4>\n                                        <div class=\"c-faqs-answers__text\">\n                                            <div class=\"s-cms-content\">\n                                                <p>If you\u2019re getting an online quote and need assistance, call 866-505-6767<\/p>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"c-faqs-answers__answer\">\n                                        <h4 class=\"c-faqs-answers__question\" id=\"question10\">Can I add or remove coverages in the middle of my policy?<\/h4>\n                                        <div class=\"c-faqs-answers__text\">\n                                            <div class=\"s-cms-content\">\n                                                <p>Yes \u2014 it\u2019s easy to change your policy, too! Call us at 866-505-6767 and a Acceptance insurance representative can help you. Remember some changes can affect the price you pay for insurance, so your premium may change.<\/p>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"c-section\" id=\"general-quote-callout-block_394b4bb53bbc3f5ff540aed3f2682ad3\">\n    <div class=\"o-wrapper o-wrapper--small\">\n                <div class=\"o-component c-quote-callout\" >\n            <picture class=\"c-quote-callout__pic\">\n                                    <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/QuickQuote-Desktop-08.webp 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/QuickQuote-Desktop-08@2x.webp\">\n                                                    <img decoding=\"async\" loading=\"lazy\" class=\"c-quote-callout__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/QuickQuote-Mobile-08.webp\"\n                    alt=\"\" aria-hidden=\"true\"\n                    srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/QuickQuote-Mobile-08@2x.webp 2x\"\n                    width=\"320\" height=\"192\">\n                            <\/picture>\n            <div class=\"c-quote-callout__content\">\n                <h2 class=\"c-quote-callout__title\">Ready to Get a Quick Quote? <\/h2>\n                <form class=\"c-quote-callout-form js-form form ajax-quote-form-new\" method=\"GET\"\n                    action=\"https:\/\/www.acceptanceinsurance.com\/process-rater\/\">\n\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--select\">\n                        <label class=\"c-quote-callout-form__label\"\n                            for=\"typeOfInsurance\">Type of Insurance<\/label>\n\n                        <select class=\"c-quote-callout-form__select\" id=\"typeOfInsurance\" name=\"type_insurance\">\n                                                                                                                <option value=\"A\" >\n                                Auto Insurance<\/option>\n                                                                                    <option value=\"BT\" >\n                                Boat Insurance<\/option>\n                                                                                    <option value=\"HE\" >\n                                Health Insurance<\/option>\n                                                                                    <option value=\"B\" >\n                                Business Insurance<\/option>\n                                                                                    <option value=\"CI\" >\n                                Commercial Auto Insurance<\/option>\n                                                                                    <option value=\"H\" >\n                                Homeowners Insurance<\/option>\n                                                                                    <option value=\"L\" >\n                                Life Insurance<\/option>\n                                                                                    <option value=\"MAI\" >\n                                Mexican Car Insurance<\/option>\n                                                                                    <option value=\"M\" >\n                                Motorcycle Insurance<\/option>\n                                                                                    <option value=\"MRH\" >\n                                Motorhome and RV Insurance<\/option>\n                                                                                    <option value=\"PET\" >\n                                Pet Insurance<\/option>\n                                                                                    <option value=\"R\" >\n                                Renters Insurance<\/option>\n                                                                                    <option value=\"RA\" >\n                                Roadside Assistance<\/option>\n                                                                                    <option value=\"SR\" >\n                                SR-22 Auto Insurance<\/option>\n                                                                                    <option value=\"TM\" >\n                                Telemedicine<\/option>\n                                                                                    <option value=\"HI\" >\n                                Travel Club &#8211; Hospital Indemnity<\/option>\n                                                    <\/select>\n                    <\/div>\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--zipcode\">\n                        <label class=\"c-quote-callout-form__label\" for=\"zip\">Zip Code<\/label>\n                        <input class=\"c-quote-callout-form__input  js-floting-input js-valid-numbers js-valid-zipcode\"\n                            id=\"zip\" type=\"text\" required inputmode=\"numeric\" autocomplete=\"postal-code\" name=\"zipcode\"\n                            maxlength=\"5\" minlength=\"3\">\n                    <\/div>\n                    <div class=\"c-quote-callout-form__controls\">\n                        <button class=\"c-button c-button--orange c-quote-callout-form__submit\"\n                            type=\"submit\">Start My Quote                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/themes\/acceptance\/assets\/images\/components\/inputs\/loading.svg\"\n                                alt=\"Loading\" width=\"30\" height=\"30\">\n                        <\/button>\n                    <\/div>\n                <\/form>\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1267"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/comments?post=1267"}],"version-history":[{"count":6,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1267\/revisions"}],"predecessor-version":[{"id":5612,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1267\/revisions\/5612"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/media?parent=1267"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}