If I let my friend borrow my car and she gets into an accident, will my policy cover it? 
 

Yes. Your FHG policy provides coverage in this instance as long as your friend had your permission to drive your car, or could reasonably assume that you would give her permission. 
 

I just bought a new car and on my way home from the dealership, I got rear-ended. I haven't even had a chance to add this car to my policy yet. Is this covered? 
 

Yes. You should let us know as soon as possible if you need to change the vehicle listed on your policy. However, depending on which state you live in and which policy you have, you’re guaranteed at least 14 days to make this change and you will have coverage during this period. 
 

I just added my teenage son to my auto policy. Why did my rates go up so much? My son has never had an accident. 
 

When determining how much premium to charge, insurance companies attempt to predict—as accurately as possible—the amount of future losses that will occur. In order to do this, we look at data from past losses. Unfortunately for your son, past data shows us that teenage boys have a much higher accident rate than other groups of people. As a result, we need to charge accordingly. While your son may be an excellent driver, he fits into a youthful driver rating category which has poor loss experience and, thus, higher rates. 
 

I just received a new ring for my birthday. Is this covered under my homeowner policy? 
 

You will need to refer to your policy or your agent to determine the exact amount of coverage you have for your ring. Generally though, a basic homeowner policy covers loss of jewelry by theft up to $1,000. If you have a more comprehensive policy or have added a special endorsement to your policy, you may have additional coverage beyond $1,000 and for causes of loss besides theft.