Home, Auto, Renters and Health Insurance for the New River Valley

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Joe Rollison is your New River Valley insurance specialist. Contact him for:

Annual Reviews
Local Claims Adjuster and 24 Hour Customer Service
Fast and Fair Claims Adjustment
Multiline Discounts
Auto, Motorcyle and Boat Insurance
Homeowner's Insurance
Renter's Insurance
Commercial Property Insurance
Landlord Protector and Workman's Comp Insurance

Common Insurance Terms Click on any of the topics below to scroll to it. Then click on the button to return to the list. Continuous Liability Coverage Citations or Claims Major Citations Deductible Comprehensive Collision Coverage Limit Liability Property Damage Uninsured Motorist Medical 50 Plus Discount New Home or Renovation Discount Non-smoker Discount Protective Devices Discount Separate Structures Local Fire or Smoke Alarms Local Intrusion Alarms Connected Alarms
Continuous Liability Coverage If you are currently insured, this is the uninterrupted length of time you've been insured on any automobile policy, with at least some liability coverage.
Citations or Claims Citations include moving violations or any kind of traffic ticket. Claims against your auto policy must also be described here.
Major Citations Major citations include DUI, reckless driving, driving under the influence of narcotics and driving with a suspended license.
Deductible If the amount of your insurance claim exceeds the deductible amount, you pay the deductible and the insurance company pays the rest. For $0 deductible, select Actual Cash Value.
Comprehensive Comprehensive insurance pays for damage to your vehicle except when caused by a collision or upset, minus the deductible amount you select. For $0 deductible, select Actual Cash Value.
Collision Collision insurance pays for damage to your vehicle caused by a collision or upset, minus the deductible you select. For $0 deductible, select Actual Cash Value.
Coverage Limit The maximum amount your policy would pay in the event of a large claim. This is often shown as two numbers. The first number is the limit for one vehicle. The second is the limit for all vehicles involved.
Liability This coverage pays for bodily injury to other people if you are liable. Benefits are paid even if your car is driven by a qualified family member or another driver using the vehicle with your permission.
Property Damage This coverage pays for damage to other people's property if you are liable. Benefits are paid even if your car is driven by a non-family member using your vehicle with your permission.
Uninsured Motorist This insurance pays for bodily injury to you, a qualified family member and others occupying your vehicle, when the injury is caused by an uninsured, underinsured or hit-and-run driver.
Medical Medical insurance pays for reasonable medical and funeral expenses arising from an auto accident, regardless of fault. It pays even if you are hit while in someone else's car, or not driving at all.
50 Plus Discount If you are 50 or more years old, you may qualify for our 50 Plus Discount.
New Home or Renovation Discount You may be eligible for a discount if your home was constructed in the last 8 years or renovated in the last 8 years (including the electrical, plumbing, heating and air conditioning systems).
Non-smoker Discount If you and qualified family members have not smoked tobacco products in the last two years, our Non-smoker Discount can save you money.
Protective Devices Discount You may qualify for this discount if your house is equipped with one or more of the following: fire or smoke alarm, fire extinguisher, deadbolt locks, certain types of burglar alarms or automatic sprinklers.
Separate Structures Home and separate structures will be covered for risks of accidental direct physical loss, except for some common exclusions. Separate structures will be covered up to 10% of the amount of coverage on your house.
Local Fire or Smoke Alarms This type of alarm sounds only inside and/or outside your house. Examples include smoke alarms (battery or AC powered), whether connected together or separate.
Local Intrusion Alarms Qualifying alarms have sensors on all doors and windows, and sound inside and/or outside the house, but do not automatically contact Police.
Connected Alarms This type of alarm may sound at the house, but also dials a local Police or Fire station. Monitored alarm systems fall into this category.

Common Insurance Terms