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In gaining a better understanding of insurance and how it works you will have fewer coverage gaps and overlapping coverage’s.  With your permission your question may be published on our site.  

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Auto Coverage

Q: What does "full coverage" mean?

A: The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that "everything" is covered no matter what happens. Your Auto insurance Policy Declaration page lists the coverage you have selected. A Parlin agent can help you select Auto insurance coverage that fits your needs and budget.

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Q: Am I covered if I drive someone else's vehicle?

A:  Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply toward damages first. Your Auto insurance would generally apply in the event the owner of the vehicle had no Auto insurance or did not have enough Auto insurance to pay the damages. For specific information and guidance on your coverage in this situation, contact a Parlin agent.

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Homeowners Coverage

Q: Please explain the difference between Other Than Hurricane deductible and Hurricane deductible.
A: Other than Hurricane deductible is triggered when you turn in a claim for damage caused by a covered peril other than any sudden wind loss during a Hurricane watch or warning in the State of Florida.  Hurricane deductible is a percentage (usually 2%) of the policy dwelling coverage (Coverage A) and is triggered when there is a hurricane watch or warning in the State of Florida and you suffer a sudden and accidental direct physical loss to your insured property caused by a hurricane.  Hurricane deductible is usually higher than the AOP (All Other Peril) deductible except with Condo Unit Owners (HO-6) policy since most insurance companies take the hurricane deductible percentage times the Contents amount.  Hurricane deductibles are calendar year deductibles and AOP or Other than Hurricane deductibles are per occurrence (happening).  If your policy says “Wind/Hail” deductible instead of “Hurricane” deductible your Wind/Hail deductible is triggered when you have a Wind or Hail loss regardless if there is any hurricane watches or warnings.

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