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Frequently Asked Questions
Q: We bought a new car; who do we call to add it to our existing
policy?
A: Your PAI Customer Service representative can quickly add a new car
to an existing policy. Call (763) 389-3650 and listen to the phone prompts
for auto changes.
Q: We are new to the area and would like a quote on our
home/auto/health/life insurance.
A: FREE quotes are available online, or from any
of our 8-locations.
Q: Why is insurance so expensive?
A: There are a multitude of reasons that insurance prices go up. With
the faster pace of life, people are eating, talking on the cell phone and
living more in their cars ... meaning the number of accidents per year are
rising. Coupled with the increased cost of repairing damaged vehicles and
the thousands of frivolous law suits filed each year, not to mention the
increased costs of medical services ... they all impact your rate. Look at
your policy; have you added more vehicles, have a youthful driver on a
higher rated vehicle, or traffic tickets. They all can affect your rate.
Ask your agent or customer service representative if there is a way you
could save more on your insurance.
Q: What do each of the coverages on my auto policy cover and how
do I read the 6 numbers?
A: Check out our article on Auto Coverage Basics
Q: I run a small business out of my home. Do I need separate
business insurance?
A: Either separate business insurance or a business endosement on your
homeowners policy is needed. Check with your agent for the best option.
Q: When I rent a car do I need to buy insurance from the rental
company?
A: Depends on the state. If the rental is for personal use (not business),
your personal auto policy usually covers you within the US and Canada.
Q: If my wallet or purse is stolen (with all my personal
information inside), do I have coverage to protect my finance theft?
A: This is a rising question especially among senior citizens (the main
target group). There is coverage available, contact your agent for more
information.
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