What is a Deductible?
A deductible is the portion of a claim that you pay first before your insurance coverage applies.
✔ The deductible amount is stated in your policy.
What is Underinsurance?
Underinsurance happens when your vehicle, home, or property is insured for less than its actual value.
This may reduce the amount payable during a claim.
Example:
Property Value = $300,000
Insured Value = $200,000
➡ You may not receive full compensation for a covered loss.
How Can I Avoid Underinsurance?
Review your insured values regularly, especially after:
✔ Renovations
✔ Vehicle Upgrades
✔ Major Purchases
✔ Property Improvements
Keeping values updated helps protect you properly.
How Do I Know What My Policy Covers?
Your coverage depends on your policy details, including:
✔ Terms and Conditions
✔ Coverage Limits
✔ Exclusions
✔ Endorsements
Not sure? Our team can help review your policy with you.
Will My Premium Increase After a Claim?
Not necessarily. Premium changes depend on:
✔ Claim Type
✔ Claim History
✔ Frequency of Claims
✔ Renewal Assessment
What is the age limit for comprehensive coverage?
RF&G offers Comprehensive Coverage for vehicles up to 10 years old subject to review and approval by Management.
Are All Damages Covered?
Not always. Coverage depends on:
✔ Type of damage
✔ Policy wording
✔ Exclusions
✔ Deductibles
✔ Claim circumstances
Always review your policy for full details.
How Are Claim Payments Made?
Once your claim is approved, payment is processed according to:
✔ Policy Terms
✔ Settlement Agreement
✔ Approved Claim Amount
Our team will guide you through the process.
What Documents Do I Need to Submit a Claim?
Common claim documents include:
✔ Completed Claim Form
✔ Valid ID
✔ Photos of Damage
✔ Police Report (if applicable)
✔ Repair Estimates / Invoices
Requirements may vary depending on the claim.
What Happens If My Policy Expires?
If your policy expires, your coverage stops.
⚠ Claims occurring after expiration may not be covered.
Renew on time to avoid coverage gaps.
Can I Update My Policy?
Yes, you can request changes such as:
✔ Updating Contact Information
✔ Adding Coverage
✔ Changing Insured Values
✔ Removing Coverage
Some changes may affect your premium.
What are the requirements to insure a Vehicle Comprehensive?
Requirements include but not limited to :
- Proof of ownership
- Photos of the vehicle ( interior, exterior, and mileage)
- Completed Proposal form
- Mechanic’s Report ( Salvage Titles)
