Frequently Asked Questions

Do I need to have auto insurance if my vehicle is paid off?

Yes, state insurance laws require all vehicle owners to carry auto liability insurance, which covers Bodily Injury Liability, as well as Property Damage Liability. The minimum required liability limits vary by state. Coverage for physical damage to your own vehicle is optional if your vehicle is paid off, but if your vehicle is financed or leased, your auto lender or leasing company will require you to carry this coverage.

Categories:

Insurance Companies

Representing the Largest Carriers

We represent many of the largest and most reputable insurance companies.

Policy Service

Request policy changes, add or remove vehicles, submit claims, change lender information, and more.

Policy Service

Insurance FAQ

What is workers’ compensation insurance?2022-06-29T13:54:04-07:00

Workers Compensation insurance is a required in almost every state. It covers the cost for benefits to employees with work-related injuries or illnesses, including medical, wage loss, and death benefits. Workers Comp is priced based on payroll and job classification. Depending on the size of your payroll, the classification of your workers and the state in which you do business, Workers Comp insurance costs can vary widely. Our agents are highly experienced in workers compensation requirements, coverages, and insurance availability. We also offer Experience Modification analysis, and can help with Return To Work programs and Case Management for larger businesses that have more complex Workers Compensation insurance needs.

What if I have a claim?2022-06-29T13:54:04-07:00

Generally, you will file your claim directly with the insurance carrier you purchase a policy through. We can help facilitate that and help along the way with communication between you and the insurance company. We’re in this with you!

What if I already have another insurance agent?2022-06-29T13:54:04-07:00

That’s okay! You can still get insurance quotes from ISU Lovering Insurance Services and leverage our expertise anytime. If we can do a better job, great! If not, at least you know your agent is working hard for you. ISU Lovering Insurance Services is a full service “digital-first” insurance agency, meaning we fully leverage technology to make the insurance experience better. If you want to take advantage of our Automatic Savings Program, and our streamlined self-service technology, we’d be happy to become your agent.

Ready to save time, aggravation, and money?

ISU Lovering Insurance Services is here to provide comprehensive risk management for your family and business.

Sign In

Don’t have an account?