Frequently Asked Questions(FAQ)

Auto Insurance

Q:I have an older car whose current market value is very low – do I really need to purchase automobile insurance?

It is often the case that the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just “total” the car and give you a check for the car’s market value less the deductible. Many people with older cars decide not to purchase any physical damage coverage.

Q:What factors can affect the cost of my automobile Insurance?
Some of the factors that can have an effect on your automobile Insurance are as follows:
• Type of car you have
• The purpose the car serves
• Your driving record
• Where the car is garaged
• Even your marital status can affect the cost of insurance

Q:If I’m not at fault, does my deductible still apply?
Your insurance company will pay for your damages, minus your deductible. Don’t worry — if the claim is settled and it’s determined you weren’t at fault for the accident, you’ll get your deductible back. The involved insurance companies determine who’s at fault.

Q:Is my optional equipment of motorcycle covered?
You’ll want to know if your custom seat, paint job, or special chroming are covered if they aren’t included as standard by the manufacturer. A good policy will give you a set amount of coverage included with your comprehensive coverage, with the ability to purchase more.

Q:Does my auto insurance policy cover a vehicle I rent?
Yes. If you have at least one vehicle on your auto insurance policy that has liability coverage on it, then those overages will extend to a rental vehicle. Most rental car agreements make the renter responsible for risks that aren’t covered under any auto insurance policies.

Commercial Insurance

Q:Why do I need business insurance?
Business insurance, also called commercial insurance, provides crucial protection for any small business. If there’s an accident at your business, you could face a lawsuit. The high cost of litigation, medical bills, and property damage claims is the primary reason businesses need insurance.

Q:What does business insurance cover?
No single insurance policy covers everything. In general, there are two broad areas of coverage:
• Business liability insurance covers incidents in which someone holds your business responsible for damages, injury, or loss.
• Commercial property insurance pays for the repair or replacement of damaged or stolen business property. It also covers your building if you own it.

Q:What is Workers Compensation Insurance?
Work compensation insurance is a business liability insurance that protects the workers under state laws and provides different facilities including medical care, death,rehabilitation, and disability benefits for employees who are hurt or die while on the job.

Q:Can I pay my insurance bill online?
Yes, you just need to contact our team and they will share the details on how to pay your insurance bill online

Q:How do I know what type of insurance my business needs?
Blake Insurance Group has been helping our clients find commercial insurance that fits their needs. Just call or text at the following, our team will guide you in the best way possible.
520-402-6002 , 480-666-5538, 623-432-3055 or 602-609-8879

Home Owners Insurance

Q:Why Buy Homeowners Insurance?
Owners:
To protect both your house and personal property.
Tenants:
To protect your personal property.
Everyone:
Protection against liability from accidents that injure other people or damage their property.

Q:How much is flood insurance in Arizona?
Flood Insurance costs can vary depending on your residing city. However, you can get really favorable quotes from these areas:
Tucson Arizona, Oro Valley, Phoenix AZ. Chandler Arizona. Mesa AZ, Scottsdale AZ, Peoria Arizona, Yuma AZ

Q:What does Mobile home insurance cover?
Mobile home insurance covers more than just your mobile home. It will cover your own property and shield you from liability claims.
Mobile home insurance repays you for any harm done to your mobile home as a result of fire, smoke, water spills, blasts, vandalism, or natural disasters.

Health Insurance

Q:Why should I buy health insurance?
You should buy health insurance so that you will not lose your lifelong savings while paying for your medical bills during the critical condition.

Q:How will health insurance pay for my emergency medical expenses?
Your health insurance will either pay your hospital bills directly if opted for the cashless facility. It will reimburse any payment made by you towards medical expenses incurred due to an illness or injury.

Q:Will I be allowed to cover my family under my health insurance?
Yes! You can gain coverage for self, spouse, children, dependent parents, and multiple other relationships such as parents-in-law, siblings, and others if your plan allows.

Q:Why should you take a group health insurance scheme for your employees?
A group health insurance will be beneficial in multiple ways. You just need to buy one single group of health insurance to secure a group of employees against any medical expenses.

Q:Who can take a group take health insurance?
Any employer or homogeneous employee group can take a group take health insurance/

Q:What does Dental Insurance cover?
Most carriers offer several types of dental plans. Almost all dental plans at least cover preventative care, such as cleanings, x-rays and checkups.

Q:Does Dental Insurance cover deep cleaning?
Most plans allow 2 cleanings a year but some do not require that you get your cleanings 6 months apart. In this case, the plan will allow you to use your 2nd cleaning as part of the deep cleaning process.

Medicare Insurance

Q:What does Medicare Insurance cover?
Medicare Part A hospital insurance covers inpatient hospital care, skilled nursing facility, hospice, lab tests, surgery, and home health care.

Q:Who qualifies for Medicare Insurance?
Generally, Medicare is available for people age 65 or older, younger people with disabilities and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant).

Renters Insurance

How Does Renters Insurance Work?
Renters insurance can help cover your belongings, your housing costs if you must relocate temporarily, your personal liability including defense costs, medical bills for others and more

Do I need renters insurance?
You’ll only need renters insurance if your landlord or your building requires it. While not required otherwise, anyone renting any type of residence long-term