Frequently Asked Questions

What types of insurance coverages are offered?

  • General Liability – Up to $5M.
  • Commercial Auto Liability – Up to $5M.
  • Hired and Non-Owned Auto, Uninsured/Underinsured Motorists, Medica, Payment and Personal Injury Protection
  • Physical Damage Coverage based on stated amount of insurance
  • No radius restriction
  • No punitive damages exclusion
  • Special endorsements and/or filings for airports
  • Deductibles – Optional on liability; physical damage between $500 to $5,000.

What are the benefits of insuring with Next Century Insurance?

  • We feature fast and easy applications and quotes, same day certificates, 24-hour claims response, and has no radius restrictions.
  • Superior claims support – responsive claims staff.
  • Experience – Many years of experience in passenger carrier and transportation insurance.

What damage to my house would not be covered by my homeowner’s policy?

It depends on the type of policy you own. But in general, unless you buy additional coverage, you won’t be compensated for losses due to floods, earthquakes, nuclear accidents, wars, intentional damage, and normal wear and tear. Other exclusions may also apply.

What can I do about expensive possessions, like jewelry and camera equipment, that are far more valuable than the coverage limits of my homeowner’s policy?

You can purchase additional coverage, through an endorsement to your existing policy or with a separate policy, to extend the limits of coverage for specific items.

What does it mean when a car is totaled?

After an accident or theft recovery, if the insurance company decides your car is “totaled,” it means the estimate of repairs exceeds the car’s value. At this point, the insurance company will likely send you a check for your car’s value. It gets to keep your car unless you make arrangements to buy it back “as is”.

What should I do if another driver hits my car?

If you were not at fault in the accident, you will make a third-party claim to the at-fault driver’s insurance company. Because you are the claimant, the insurance company typically will issue the check directly to you. It’s your responsibility to pay the repair shop, and the lender if you have a car loan. If the other driver doesn’t have insurance, your uninsured motorist coverage will take effect.

What happens if my car is stolen?

If your car was stolen, be prepared to wait. Most insurance companies will impose a waiting period to see if the police recover your car. If your car is still missing after the waiting period, usually 21 days, you should receive a settlement soon after. If your car is recovered during the waiting period, the insurance company will want to see a repair estimate before deciding how to proceed.