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​Frequently Asked Questions

Whose insurance covers a car if it gets stolen while someone else is driving and they have insurance?

2/25/2022

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Insurance follows the car, not the driver. So whomever owned the car it is their claim. But, as previously stated, they must have had comprehensive coverage on the car to have a claim. Liability only coverage will do no good in the event of a theft.
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What is no-fault insurance?

2/22/2022

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​No-fault insurance is a type of auto insurance coverage that pays for your and your passengers' medical bills if you're hurt in a car accident - regardless of who’s at-fault. No-fault has nothing to do with who pays for car damages, only for medical insurance.
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Does getting home insurance quotes affect your credit score?

2/22/2022

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No. The homeowner insurance companies get a credit range you’ve been placed in, they do NOT get your credit score at all. No hit is placed on your credit report and is just 1 factor insurance companies use to determine homeowner insurance rates.
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What does collision coverage on a car include?

2/22/2022

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​Collision insurance covers damage to your vehicle when it collides with anything other than an animal, which is covered via comprehensive. If you run off the road and strike a tree, another vehicle, building, etc it is covered, less your deductible. Even a collision with the road (like a pothole) would be a covered claim.
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Does homeowners insurance go up every year?

2/22/2022

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No/Yes. The No - Only if the homeowner insurance company has a rate increase across the board for all policy holders, cannot single out just your homeowner policy. The Yes - if you have an inflation guard on your home at like 4%. For example, this year your home is insured for $100,000 and then 4% inflation, next year would be insured for $104,000. So the price increase would be the extra $4,000 to insure your home.
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How should I deal with an at-fault driver's insurance company?

2/22/2022

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​First, if you can avoid it, you should not deal with the other driver's insurance.  If you have your own collision insurance then report it to your own insurer.  This will no doubt work out better for you, as it will be easier (since your insurance company is looking out for your interests whereas the other drivers is looking out for their insured), it will be faster, and likely you will recover more.  Of course you will need to pay your deductible; however, that will be reimbursed to you when your insurer recovers from the at fault party.
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    Contact us

    (716) 684-3203​
    8665 Sheridan Dr
    Williamsville, NY 14221​
    Click Here to Email Us

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Larsen Insurance Agency​
8665 Sheridan Dr
Williamsville, NY 14221
(716) 684-3203
Click Here to Email Us

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  • Home
  • Quotes
    • Property Quotes >
      • Landlords Insurance Quote
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Renters Insurance Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Hair Salons Quote
      • Restaurant Quotes
      • Business Owners Package (BOP) Insurance Quote
      • Workers Compensation Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Umbrella Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Wedding Insurance Quote
      • Pet Insurance Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Free Consultation
    • Client Login
  • Insurance
    • Property >
      • Landlords Insurance
      • Home Insurance
      • Earthquake Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Life/Financial >
      • Life Insurance
      • Umbrella Insurance
    • Other >
      • Boat Insurance
      • Event Insurance
      • Wedding Insurance
      • Pet Insurance
  • About
    • Client Testimonials
    • Refer a Friend
    • Free Reports
    • Staff Directory
    • Insurance Carriers
    • Careers
    • Agency Photo Gallery
    • Accessibility Statement
    • News
  • Blog
  • Videos
    • Landlords Insurance
    • Comprehensive Coverage
    • Independent Insurance Broker VS an Insurance Agent
    • How to Get Good NY Landlord Insurance Policy
    • Homeowner and Liability Risks
    • Homeowners Garage Insurance
    • Property and Landlord Insurance
    • Underground or Service Line Homeowner Coverage
    • Running The Game with Tom Larsen
  • Contact
    • Privacy Policy
  • FAQs
  • Newsletter
  • Luxury Home Insurance in NY
  • Workers Compensation
    • Florists Workers Compensation in NY
    • Restaurant Workers Compensation in NY
    • Grocery Store Workers Compensation in NY
    • Bakery Workers Compensation in NY
  • Business Insurance
    • Barber Shop Insurance - NY
    • Brew Pub Insurance in New York
    • Coffee House Insurance in New York
    • Business Owners Package (BOP) Insurance
    • Hair Salon Insurance
    • Restaurant Insurance