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Welcome to our insurance FAQ Section. Get answers to some of our most commonly asked questions here. If you have additional questions, please feel free to contact our online support.

Auto Insurance Questions

What do I do if I have an auto accident?
When you are in an accident. There are 4 steps to take: First, notify the police. Second, exchange information with the other driver(s) involved in the accident. Third, contact your insurance company as soon as you possibly can. Fourth, do all of the required steps your insurance company asks you to do. For more information about filing a car insurance claim, see our auto quote resource section.

How can I lower my car insurance premium?
There are a number of things you can do to lower your car insurance. They include, shopping around, asking for discounts on your current policy, holding multiple insurance policies with the same carrier, and raising your deductible. If you would like to get competitive quotes on your auto insurance use our auto quote section.

What should I think about when buying car insurance?
Here are some basic things to consider when purchasing car insurance. First, decide what optional coverage's you want and need. Look at your situation and don't be fooled into buying something you don't need. Secondly, analyze the companies who are vying for your business. Make sure they are reputable and price competitive. Third, purchase the amount of liability insurance that is right for you.
Does my personal policy cover me when I rent a car?
For this one, you must call your insurance company OR ask the agent from whom you are buying your new policy. Many states mandate that your insurance company provide coverage when you are renting a vehicle. Some insurance companies will only cover rental cars if you are on vacation, and not for business.

Home Insurance Questions

How do I file a homeowners claim?
It is important to realize that if you don't follow the required steps, it could result in nonpayment by the insurance company. Here are the steps you should take; 1) Notify the police in the case of a robbery; 2) Notify the insurance company as soon as you realize their has been damage or loss of property; 3) Protect your property from further damage; 4) Prepare a detailed list of the things damaged or missing; 5) Be prepared to show the insurance company the damaged goods; 6) Complete a statement, for the insurance company, that details what happened before, during, and after the loss occurred.

How can I lower my home insurance premium?
There are a number of things you can do to lower your homeowners insurance. They include, shopping around, asking for discounts on your current policy, holding multiple insurance policies with the same carrier, and raising your deductible. If you would like to get competitive quotes on your homeowners insurance use our home quote section.
What should I think about when buying home insurance?
First, purchase the amount necessary to replace your home, not your mortgage. Your coverage could be larger than the amount of your mortgage for several reasons including the cost of rebuilding. Second, determine the amount of personal liability and personal property coverage you'll need. Third, see if you'll need additional endorsements like flood insurance, earthquake insurance, or increased coverage for items such as jewelry, guns, and computers. Fourth, pick a reputable insurer.

Is my personal property covered away from home?
With the exception of specifically excluded items, your personal property is covered whenever you are away from home. It is considered your property once you have purchased it, regardless of whether it has ever been in your home or not.
Do I need Flood insurance or Earthquake insurance?
Damages due to several types of natural disasters are not covered under standard insurance policies. If you live somewhere where floods, earthquakes, etc. happen, strongly consider adding an endorsement to your homeowners policy. If you are in a specific area, such as a flood hazard zone, your mortgage company will inform you of any additional coverage that is required.

Life Insurance Questions

How can I lower my life insurance premium?
Life insurance is based on several different factors. Among them are health, age, avocation, and occupation. In some cases you can do nothing about any of them. For example, you're a 50 military fighter pilot with high blood pressure. In other cases, lowering your weight and deciding not to jump out of air planes can lower your life insurance rates.

What should I think about when buying life insurance?
There are several factors to consider when purchasing a life insurance policy. They include; 1) How much do you need?; 2) What type of insurance do you need?; 3) How long do you think you will need the coverage?; 4)What if any 'extras' do you want included in your policy?; 5) If its term insurance, is it convertible?

How much life insurance should I own?
Opinions vary widely on this subject with some experts saying roughly 6-8 times annual earnings and some experts saying 10-14 times annual earnings. It all depends on your particular situation. For more information on how to determine how much life insurance is right for you, see our life resource section.

What is cash value?
Cash value is the interest earning section of a whole, variable, or universal life insurance policy. Part of your annual policy premium goes to the cash value and earns interest. It's actually more complicated than that, but that's a very simple explanation.

Health Insurance Questions

How do I file a claim?
See our health insurance resource section for more information.

How can I lower my health insurance premium?
Shopping around is about the best way we know of lowering your health insurance premium. But be careful. For example, if you or your wife is pregnant, a new company could list it as a preexisting condition and not cover the pregnancy.
What should I think about when buying health insurance?
The best way to answer this question is by referring you to our health insurance section.

What are out-of-pocket expenses?
Out-of-pocket expenses include your annual deductible, coinsurance amounts, and any expense deemed not to be 'reasonable and customary.'

What are preexisting conditions?
Preexisting conditions are conditions that are excluded from coverage under a health insurance policy. Examples are endless but include things like knee injuries, back injuries, heart ailments, etc.

What is coinsurance?
The percentage amount that the insured is required to pay to 'share' in the cost of medical care. In most cases there is a limit or out-of-pocket maximum of between $2,000 and $3,000.

What is CO-payment?
The set amount you are required to pay each time a medical service is performed. The best example is an office visit where you are required to pay a $5-30(the majority are in this range) CO-pay per visit.

General Insurance Questions

How do I know a good insurance company from a bad insurance company?
Generally, third party rating services and you state insurance commission are your best sources when considering insurance. These organizations have financial records as well as claim paying performance statistics that can help you make an informed decision.


Does blackshearcapital.com have secure quote forms?
All of blackshearcapital.com's partners provide you with a secure quote environment. The quote forms at blackshearcapital.com are also secured.

Will I save money by using blackshearcapital.com?
On average, we are finding that our customers save significantly by using blackshearcapital.com. While were are not in the business of luring you with "up to X% off" type offers, our business model is working for our customers. We also offer you resources which give practical ways to save money on your current insurance policies.

 
   

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