Auto Insurance Questions and Answers

Finding the right insurance can be a confusing process, especially since requirements can change from state to state. We’ve put together a list of the most recently asked questions to help you get started with the best auto insurance service from Jupiter.

Customer Service FAQs

Mail your payment to: P. O. Box 190675 Nashville, TN 37219 You may also make a payment online using a debit or credit card at: www.policymgmt.com. You may also call us and we will gladly take your payment over the phone, call 1-855-280-5642.
Visit www.policymgmt.com to make a payment – You may sign in and manage all aspects of your coverage or make a quick one-time payment at the bottom of the web page.

 

Claims FAQs

Report your claim 24/7 via the Internet by clicking here. Or, use the following claim reporting phone numbers: Arkansas, Oklahoma and Tennessee residents please call: 855-280-5642. Alabama and Georgia residents please call: 800-293-2532.

 

General Auto Insurance FAQs

Jupiter offers specialized service to Alabama, Arkansas, Georgia, Oklahoma, Tennessee and Texas. For more information about our insurance services in each state, visit thes links below:

Yes you need to have auto insurance. Driving without insurance is not legal. It also makes you personally liable for any damage, whether you cause the accident or not.
Most states that we serve use a 25/50/25 minimum. That means $25,000 per person, $50,000 per incident, $25,000 property damage. This is called liability insurance, and only applies to damage you cause in an at fault scenario. Visit the state-specific auto insurance pages for more on requirements in your state.
Put simply, a deductible is an agreement between you and your insurance company, that says you are responsible for a certain amount of damages before your coverage kicks in. Generally speaking, the higher your deductible, the lower your monthly premiums. If you had a deductible of $1,000, you would be personally responsible for paying $1,000 out of pocket in the case of an accident. Increasing your deductible can mean significant savings, but make sure you can pay the lump sum if an accident occurs.
Your premium is based on several factors which may include:

  • Personal attributes, like age and gender. A teenage male will have high premiums due to the high statistical likelihood of an accident occurring.
  • Your driving record. Keep it clean, and you’ll save a lot of money.
  • Your car. Safety features, and statistics about break-ins, theft, vandalism, and accident occurrences can all affect your premiums. This information is usually available from car dealerships and insurance companies.
  • Where you live. Urban areas with higher traffic result in higher premiums, as the chances of accidents and vandalism increase.
  • In some states, even your credit score can influence your auto insurance rates.
Yes, you can be sued. That’s why it’s a good idea to make sure liability coverage is included in your auto insurance policy. If you have liability coverage, your auto insurance carrier pays for legal expenses to defend you according to the terms of your auto insurance coverage.
Unfortunately, you would be financially responsible for any damages. A lawsuit is an option, but can be a long and expensive process. To protect yourself from uninsured drivers, it’s best to get Uninsured Motorist coverage. This will also offer you protection from hit and run incidents.

 

If you have any other questions, please don’t hesitate to contact us. Your best auto insurance ever awaits, so get an auto insurance quote now.