Insurance 101

Pilat Insurance has been protecting individuals, families and businesses for over 65 years. We understand the various types of auto insurance, home insurance and various commercial insurance policies available to individuals and companies. Pilat Insurance will work with you to identify your personal or business insurance needs and help you choose the appropriate policy.

It is important that our clients have a good understanding of their insurance policy. It may include terms you are not familiar with, therefore we have comprised a glossary defining many commonly used insurance terms.

The glossary is alphabetical and divided into the following sections:

ABC / DEF / GHI / JKL / MNO / PQR / STU / VWX / YZ

Here is an example of a term you can find in the glossary:

Collision Coverage: covers the damage to the policyholder's car from a collision

Also, there are common questions clients frequently ask us about insurance. We have posted these questions and their answers in the FAQ section. You may find the answer to your question there and also find good information about other items you may not have thought to ask.

Here is an example of a question and answer you can find in the FAQ:

If I let a friend borrow my car, is he/she covered by my insurance policy?

Yes, generally your car insurance policy would cover someone who borrowed your car with your permission.

However, if the person who used your car lives in the same household as you, he/she needs to be listed on your insurance policy.

If you cannot find an insurance term or an answer to your question fill out the Pose A Question form and a representative will contact you. You can also call us Monday through Friday from 8:30 a.m. to 4:30 p.m. and we will be happy to talk with you.