Frequently Asked Questions

Insurance can be a confusing thing, especially when it comes to all the abbreviations and insurance jargon used to describe the services you are purchasing and need to protect your investments.  Below you will find answers to your insurance questions so you can learn about why you need PIP or what it means to insure your UPP. 

What are the policy limits? (Higher Liability limits may be requested. These are
submitted to the company for approval on an exception basis.)
Third Party Liability Coverage: 100,000 per person/300,000 per accident,
$50,000 or $100,000 Property Damage
Uninsured Motorists Coverage $25,000 per person/$50,000 per accident $25,000
Property Damage (This coverage is included in the Liability Premium)
Comprehensive Coverage = Actual Cash Value - $250.00 Deductible
Collision Coverage = Actual Cash Value - $500.00 Deductible

Is a Rental Car Covered under this policy?
Your Liability Coverage extends to your rental car but you will have to secure
Comprehensive and Collision Coverage from the rental car company by selecting
the Collision Damage Waiver in the agreement.

What coverage is required under the policy?
You can select Liability Only, or Full Coverage (Liability and Comprehensive and Collision)
If your vehicle is over 20 years old – Liability Coverage Only is available
If the value of your vehicle is over $12,000 – Full Coverage Only is required.

Will the policy cover my spouse and eligible children?
All eligible adult drivers in the household may be covered under the policy as
long as they are accident free for the past three years and can provide the
documents required. All underage drivers (16 & 17 year olds) must be submitted for approval. All drivers with less than 2 years driving experience require approval.

How soon can my policy be issued?
Once we have received all of the documents, proof of insurance can be provided
within one business day. Policies are issued upon receipt of payment.

What forms of payment are acceptable?
Checks made payable to The Sunrise Group
Credit Card (American Express, VISA, MasterCard, Discover). Authorization form
can be faxed to (386-734-0903)
Cashier’s check from a local bank or credit union.

What discounts are available?
Multi-Car Discount – when you insure more than one vehicle on your policy.
Claim Free Discount - % is based on the number of years claim free with prior
carrier – Letter is required. (10% to 25%) Companion Policy Discount – available when Auto and Renters Policy are
purchased for the same insured.