|1. Can I make a change to my policy?
or changes to your policy, including address/name change,
vehicle, driver, or coverage changes, can be made by
calling your agent to request a change to your Victoria
|2. When will my policy change take effect?
will take effect as of the date and time requested.
|3. Can I change my payment plan option?
plans can be changed at renewal provided we are notified
45 days in advance of the renewal effective date.
|4. Why did my premium change?
changes may be due to regulatory approved revisions or
policy changes. If you have added or deleted a driver
or vehicle, your premium may change. Premium changes
can also be due to a change in address, coverage, driving
record or reflect an unpaid balance.
|5. What is an MVR?
A MVR or Motor Vehicle Report lists violations and accidents that a
driver has had in the past several years.
|6. Why was my policy issued at a different rate than what my agent quoted?
issued policy reflects information obtained from your
MVR (Motor Vehicle Report) which may cause a change
in your total premium. This information includes violations,
convictions, and accidents which can cause a change
in rate. Discrepancies in vehicle symbols, VIN numbers,
and rating territories used by your agent when quoting
your policy may also cause a change in premium.
|7. Why does my agent need to obtain a credit score? Does this affect my credit?
uses a credit or financial responsibility score in
certain authorized states for insurance underwriting
purposes. This score is based on information contained
in the named insured's credit report. Inquiries for
insurance purposes show up on the credit report. However,
insurance inquiries should not affect the applicant's
credit or his/her ability to obtain credit for such
things as loans, purchases, etc.
If a customer suspects inaccuracies in their credit
information, he/she may request a credit report by
calling the number or writing to the address listed
Trans Union Corporation / Consumer Disclosure Center
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022
Will my premium change on my birthday?
purchasing a new policy, if the driver's birthday falls
within the first 1-30 days of the policy period, depending
on the state, we will automatically advance the driver's
age by one year for rating purposes. Your agent will
inform you of the exact timeframe based on the state
in which you reside. Premium will not change mid-term
because of a change in driver age.
What is an excluded driver?
person who lives in the same household but whom the
named insured does not wish to have covered by the policy.
There is usually no limit to the number of excluded
drivers on a policy. Excluding a driver is state specific,
based on the state regulations.
Do I need to include my roommates on my policy?
or including a driver is state specific. Different rules
apply to each state. In most states, all household members
15 years or older (including roommates) must be identified
on the application. All drivers, including drivers under
suspension, must be rated or excluded in most states.
Your agent will explain what drivers need to be included
or excluded based on the state guidelines.
Can I exclude my spouse on my policy?
spouse may be excluded unless otherwise prohibited by
Will my premium increase if I get a traffic ticket?
premium will not be changed at mid-term because of changes
in driving record. All chargeable offenses that occur
during your present policy term will be reflected in
your next renewal statement.
How far back will I get charged for violations on my
driver is rated on convictions and accidents during
the preceding 35 months. Out-of-state convictions and
accidents are chargeable.
Can I cancel my policy?
requests must be submitted in writing and include the
policy number and your signature. A penalty fee of 10%
of the unearned premium will be charged for cancellation
prior to the expiration date of the policy. Return of
premiums, if applicable, will be sent directly to you.
1. What should I do if I get into an automobile accident?
Please obtain the following information from all individuals
involved in the accident: Names, Addresses, Phone numbers,
Drivers' License numbers, Insurance companies, Policy
numbers, and License plate numbers for each vehicle
involved in the accident.
2. Please obtain names, addresses and phone numbers
of any witnesses. Use the witness cards that are provided
in your Victoria Policy Pack.
3. Please call Victoria immediately at
to report the loss.
4. Please do not leave the scene of the accident.
5. Please do not discuss the accident with anyone, other
than the Police.
6. Do not admit fault or make judgements of fault. A
trained adjuster will determine negligence.
7. Arrange to have someone call the Police, immediately.
8. If your vehicle is deemed inoperable after the accident,
please have it moved to a safe and secure location.
How long does it take to settle a claim?
a claim is reported, a Victoria Claims Professional
will immediately begin processing the claim. While each
situation is unique, most claims are resolved within
How is a total loss determined?
damage to a vehicle cannot be repaired to pre-loss condition
in a cost-effective manner or by using accepted industry
and safety standards, the vehicle is then considered
a total loss. The insurance company will obtain market
research data specific to your locality to determine
the actual cash value of the vehicle.
How do I file a claim with Victoria if I am insured
by another company?
our Claims Department directly at
24 hours a day, seven days a week. Please have any information
regarding the Victoria policyholder available when you
How do I file a claim with the other driver's insurance
the other driver's insurance company or agent to inquire
about reporting procedures. You will be asked to provide
information concerning your claim. If you do not receive
adequate assistance, contact your Victoria Claims Professional.
Will my claim affect my premium?
(at fault) losses may be reflected in an increase in
premium at renewal, in states where permissible.
I just received suit papers from the other party's attorney.
What should I do?
suit papers need to be forwarded to your Victoria Claims
representative in our claims office. Please send lawsuit
papers through Certified or Registered Mail with a Return
Receipt Request. You will be reimbursed for these charges.
For a covered loss or subject to the circumstances of the claim,
your policy provides coverage in the event of a lawsuit,
up to the stated limit amount.
Can I get a rental car while my vehicle is being repaired?
those states where it may apply, if your policy currently
includes rental reimbursement, you will be reimbursed
for rental charges up to a specified daily amount for
the specified length of time set in your policy. You
will be responsible for any rental charges not covered
by your policy or in excess of your coverage amount.
Who should I pay my deductible to?
your vehicle is repairable, the deductible amount is
paid to the repair shop. If your vehicle is deemed a
total loss, the deductible amount is deducted from the
settlement amount. It is your responsibility to make
arrangements with the lienholder, if applicable.