Frequently Asked Questions

Our team makes sure to provide you with the most accurate rate possible so that you know what to expect. If anything, the estimate we give you is higher than the actual price as we rather underpromise and overdeliver.

If your current insurance company has increased your rate, you can be sure to find lower rates with L J Adams Insurance Services LLC. Our insurance Agents are here to find you the most competitive prices on the market today, and we’ll fit you with an insurance package that suits both your needs and your budget.

With us, there isn’t. Book a no-obligation consultation with our team, and you’ll receive free insurance quotes from different carriers so that you can easily compare and contrast. We work with you to find the right insurance quote, no strings attached.

If you’re financing your vehicle, lenders require full coverage rather than the mandatory minimum coverage for your region. To qualify, you’ll have to invest in collision coverage as well as comprehensive coverage.

Yes, at L J Adams Insurance Services LLC, we offer specialized RV and motorhome insurance. Ask our insurance Agents today about our customized insurance plans.

Collision coverage pays for vehicle repair or replacement in the event of a crash with another vehicle or an object connected to the ground. You are covered up to the current cash value of your car.

Comprehensive insurance pays for the repair or replacement of your vehicle in the event of damage caused by an unexpected situation such as theft, vandalism, fire, natural disaster, falling or flying objects, or civil disobedience. You are covered up to the current cash value of your car.

An “at-fault” accident is when you are considered responsible for causing it, either through an act of your own or a failure to take action.

In most cases, car insurance goes with the car rather than the driver. Hence, as long as your friend has a license, your insurance should cover any damage that might occur.

A lapse occurs when you stop paying for or cancel your car insurance. We recommend avoiding an insurance lapse as this can result in costly consequences.

When you choose L J Adams Insurance Services LLC, we make sure you’re making your payments on time and let you know about all the risks involved.

When submitting an insurance claim, a deductible is an amount you’re responsible for before the insurance company covers the rest.

As your dedicated insurance Agents, we do our best to introduce you to carriers with the lowest deductibles so that you barely ever have to pay out of pocket. This way, not only will you shop the most competitive rates, but you’ll also discover trustworthy lenders that prioritize their clients.

Typically, driving accidents and tickets stay on your record for 3 years, but depending on the severity of the violation, they could be there for up to 10 years.

Comprehensive insurance covers hail damage as it falls under the category of “act of nature”. Still, this usually involves a deductible. If severe damage has occurred, you are covered up to the actual cash value of the vehicle.

Again, comprehensive coverage covers flood damage. If you want full insurance coverage for your vehicle, specifically for non-vehicular accidents, opting for this extra coverage is essential.

If you have collision coverage or all-perils coverage in your car insurance plan, you are covered for all pothole damage. Driving through a pothole is considered a single-vehicle collision and is, therefore, a covered loss.

Your premium is how much you pay your insurance company regularly to keep your coverage in place. Depending on the insurance type and specific policies, you can pay your premium monthly, quarterly, biannually, or annually. Whether it’s home, car, or life insurance, limits and deductibles are common factors that affect your premium rates.

An insurance limit is the maximum amount covered when making a claim—usually, the higher your coverage limit, the higher your premium. Our insurance agents can guide you in the right direction when it comes to pinpointing the perfect coverage limit for your needs. And they’ll stay on budget, too!

An insurance deductible is the amount of money you have to pay out of pocket for a covered claim. Generally, you may be able to save money on premiums by selecting policies with higher deductibles. Consult with our insurance professionals to see what’s in your best interest.

No-fault insurance means that your insurer will process your claims and cover the damage, no matter who is at fault for the accident. This insurance type speeds up the coverage process, increasing premiums for the party at fault.

At L J Adams Insurance Services LLC, we believe it’s a good idea to review your insurance protection at least once a year. Still, if you have gone through a significant life change, it’s best to check in with us as soon as possible.