Insurance FAQs What important steps should be taken in case of an accident? What is Identity Theft Protection? What is an Insurance Score? How does Electronic Funds Transfer (EFT) work? I sent a check but now I have a cancellation notice. Should I insure my home for its market value? The most frequently asked questions have to do with billing What is Gap Coverage? What is the difference between an independent insurance agent and an agent who sells for only one company? What is Umbrella or Excess Liability insurance? Why is health care so expensive?