Frequently Asked Questions

You Have Questions, We Have Answers!

Please select a question to be taken to its corresponding answer below. Additional insurance information and answers to other common questions can be found on the Insurance Information Institute website at

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Personal Insurance

When purchasing auto insurance, what should I consider?

Does my insurance policy cover a friend if I loan him/her my car?

What is Collision Physical Damage coverage?

What is Comprehensive Physical Damage coverage?

How can I lower my auto insurance rates?

What do I need to know when purchasing homeowners insurance?

What is "actual cash value"?

What is "replacement cost"?

Should I purchase flood coverage?

Commercial Insurance

What is fire legal coverage?

What is "80% co-insurance"?

Can other people drive my business vehicle?

How does an audit work?

Why do I need certificates of insurance from sub-contractors?

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Sundahl & Company Insurance

Mon thru Fri -- 8:00 am to 5:00 pm

4 Convenient Pennsylvania Locations

Toll Free:   800-648-2605

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