Frequently Asked Questions

What does “full coverage” mean?

This is an often-misinterpreted term, and doesn’t refer to a policy that covers “everything.” Instead, full coverage typically refers to a policy that includes both liability coverage and coverage for damage to your property.
Your Motor insurance Policy Declaration page lists the coverage you have selected, and can help you select Motor insurance coverage that fits your needs and budget.

What kinds of Auto insurance discounts are available?

Zemen Insurance has a variety of discounts to help you save on your insurance, and reward you for safe behavior. Discounts vary by type, so make sure to check for which discounts you’re eligible.
Underwriting officers you save with discounts for:
Select occupational groups (doctors, RNs, dentists, teachers, police, firefighters, etc.)
Homeowners
Teens with parents who have safe driving records
Drivers who own cars with standard safety features
Drivers who own multiple cars
Age of vehicles
And more!
Contact your local Underwriting officers for more details.

When submitting a claim, what impact will it have on my premium?

This depends on your loss ratio, recent claims, and all claims you have had in the past, as well as the state of the current insurance market. Consult your underwriters ,Brokers and agent.

When do I file an auto insurance claim?

One of the most important steps to take following a motor vehicle accident is to report the incident to the police or the appropriate authorities before initiating the insurance claim process. This helps ensure that the situation is properly documented, that the necessary authorities have been notified, and that all parties involved are protected.
A police report is particularly important when the accident involves another vehicle, third-party property, bodily injury, or any other person’s property. The report serves as an official record of the incident and may be required by the insurance company when assessing and processing the claim.
Regarding the timing of the claim, it is always advisable to notify your insurance provider as soon as possible after the incident. Although reporting the claim on the following day may be acceptable, prompt notification can help facilitate a smoother and more efficient claims process.
For own-damage claims, the incident should be reported within five (5) days, while third-party liability claims should be reported within five (5) Calander days of the occurrence.
If you require assistance or clarification regarding the claims procedure, you may contact our Claims Directorate Customer Support Call Center or visit any branch that issued your insurance policy. Our representatives will be available to guide you through the necessary procedures and documentation.