{"id":862,"date":"2025-09-10T14:01:27","date_gmt":"2025-09-10T14:01:27","guid":{"rendered":"https:\/\/longevitywp1.crosstowstudio.com\/?page_id=862"},"modified":"2025-09-10T15:59:23","modified_gmt":"2025-09-10T15:59:23","slug":"faq","status":"publish","type":"page","link":"https:\/\/longevitywp1.crosstowstudio.com\/index.php\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t
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  • \n\t\t\t\t\t\t\t\t\t\tFrequently Asked Insurance Questions<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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    Here are the most common insurance questions Longevity Capital Insurance, LLC receives.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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    Our insurance agents are always available to answer any questions and address any concerns you may have. Call us at (912) 349-4378 for any further inquiries.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    Ask us Anything<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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    Is the rate given to me accurate? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    Is there a fee for getting an insurance quote? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Book a no-obligation consultation with our team, and you\u2019ll 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What is comprehensive coverage? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What is the difference in insurance if my vehicle is financed? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    If you\u2019re financing your vehicle, lenders require full coverage rather than the mandatory minimum coverage for your region. To qualify, you\u2019ll have to invest in collision coverage as well as comprehensive coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What is collision coverage? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    Is there a fee for getting an insurance quote? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Book a no-obligation consultation with our team, and you\u2019ll 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    Ask us Anything<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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    I have an RV\/motorhome that I want to insure. Do you offer coverage? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Yes, at Longevity Capital Insurance, LLC, we offer specialized RV and motorhome insurance.<\/p>

    Ask our insurance agents today about our customized insurance plans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What is a deductible? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    What is a deductible?<\/h2>

    When submitting an insurance claim, a deductible is an amount you\u2019re responsible for before the insurance company covers the rest.<\/p>

    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\u2019ll also discover trustworthy lenders that prioritize their clients.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    How long do tickets and\/accidents stay on my driving record? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    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. For example, an \u201cat-fault\u201d accident will remain on your driving record for at least 6 years from the date of conviction.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    Is hail damage covered? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Comprehensive insurance\u00a0<\/strong>covers hail damage as it falls under the category of \u201cact of nature\u201d. Still, this usually involves a deductible. If severe damage has occurred, you are covered up to the actual cash value of the vehicle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    Is my car covered for damage caused by a flood? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Again,\u00a0comprehensive coverage\u00a0<\/strong>covers flood damage. If you want full insurance coverage for your vehicle, specifically for non-vehicular accidents, opting for this extra coverage is essential.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    I drove through a pothole and damaged my car. Is the damage covered? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    If you have\u00a0collision coverage<\/strong>\u00a0or\u00a0all-perils coverage\u00a0<\/strong>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..<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What is the difference in insurance if my vehicle is financed? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    If you\u2019re financing your vehicle, lenders require full coverage rather than the mandatory minimum coverage for your region. To qualify, you\u2019ll have to invest in collision coverage as well as comprehensive coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    Ask us Anything<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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    When should I review my insurance protection? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    At Longevity Capital Insurance, LLC, we believe it\u2019s a good idea to review your insurance protection at least once a year. Still, if you have gone through a significant life change, it\u2019s best to check in with us as soon as possible.<\/p>

    Get in touch with us now at (912) 349-4378 to schedule an appointment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    My current insurance company has significantly increased my rate. How can I get a lower rate? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    If your current insurance company has increased your rate, you can be sure to find lower rates with Longevity Capital Insurance, LLC. Our insurance agents are here to find you the most competitive prices on the market today, and we\u2019ll fit you with an insurance package that suits both your needs and your budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What is an \u201cat-fault\u201d accident? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    An \u201cat-fault\u201d accident is when you are considered responsible for causing it, either through an act of your own or a failure to take action. cash value of your car.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What is no-fault insurance? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    My current insurance company has significantly increased my rate. How can I get a lower rate? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    If your current insurance company has increased your rate, you can be sure to find lower rates with Longevity Capital Insurance, LLC. Our insurance agents are here to find you the most competitive prices on the market today, and we\u2019ll fit you with an insurance package that suits both your needs and your budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    If I let my friend drive my car, will he or she be covered <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    Frequently Asked Insurance Questions Here are the most common insurance questions Longevity Capital Insurance, LLC receives. Our insurance agents are always available to answer any questions and address any concerns you may have. Call us at (912) 349-4378 for any further inquiries. Ask us Anything Is the rate given to me accurate? Our team makes […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-862","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/longevitywp1.crosstowstudio.com\/index.php\/wp-json\/wp\/v2\/pages\/862","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/longevitywp1.crosstowstudio.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/longevitywp1.crosstowstudio.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/longevitywp1.crosstowstudio.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/longevitywp1.crosstowstudio.com\/index.php\/wp-json\/wp\/v2\/comments?post=862"}],"version-history":[{"count":135,"href":"https:\/\/longevitywp1.crosstowstudio.com\/index.php\/wp-json\/wp\/v2\/pages\/862\/revisions"}],"predecessor-version":[{"id":1011,"href":"https:\/\/longevitywp1.crosstowstudio.com\/index.php\/wp-json\/wp\/v2\/pages\/862\/revisions\/1011"}],"wp:attachment":[{"href":"https:\/\/longevitywp1.crosstowstudio.com\/index.php\/wp-json\/wp\/v2\/media?parent=862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}