Server: Microsoft-IIS/3.0 Date: Thu, 18 Dec 1997 10:55:28 GMT Content-Type: text/html Accept-Ranges: bytes Last-Modified: Wed, 05 Nov 1997 23:25:39 GMT Content-Length: 19513 FAQs

Frequently Asked Questions

The following are general explanations and are subject to policy terms and conditions.
Please refer to the insurance policy for additional information.

 

What address do I send my payments to?
 
20th Century Insurance Company / 21st Century Casualty Company
P.O. Box 2020
Woodland Hills, CA 91365
 
(Please be sure to include your policy number on your check).

 

Do I have to pay any late fees if I am unable to make my payment on time?
 
We do not charge late fees; however, a late payment may result in a lapse of coverage for you and your auto(s). No claims will be honored if a loss occurs during a lapse in coverage.

 

How long does it take to receive confirmation of my change request?
 
It generally takes 7-10 business days for you to receive confirmation of the change for most requests.

 

Where are my identification cards?
 
The identification cards are attached to your declaration page above the payment stub. The four perforated slips of paper may be detached and carried in your wallet or automobile. Each slip shows one auto. If there are fewer than four autos on the policy, the extra slips will have the word "void" across them. The declaration page which shows all of your coverages may also be used as evidence of insurance.

 

What discounts do you offer?
 
The five discounts that we currently offer are the Good Driver Discount, the Multi-Car Discount, the Mature Driver Discount, the Professional Discount and the LoJack Discount. (Click on one of the discounts to receive detailed information about that discount.)

 

 

Who do I call if I need to have my auto towed?
 
You may contact EXPRESS SERVICE at 1-800-894-6090 and they will bill 20th Century/21st Century directly. You may also contact any towing company of your choice, pay the towing company at the time of service, then submit a copy of the bill to 20th Century/21st Century for reimbursement up to $50.00 per disablement.

 

Where do I send a copy of my towing bill for reimbursement?
 
Write your policy number on the towing bill and mail it (or a copy) to:
   
  20th Century Insurance
  Attn. Towing & Labor Claims
  20750 Ventura Blvd., Suite 100
  Woodland Hills, CA 91364

 

May I let my friend borrow my car?
 
Any driver not currently excluded by endorsement from your policy is afforded coverage from your policy, subject to the policy terms and conditions provided you give that driver permission to drive your covered auto.

 

Am I covered to drive any automobile I rent?
 
If you rent an auto from a rental agency within the United States, its territories or possessions, or Canada as a substitute automobile while your auto is being serviced or repaired, your policy provides coverage for that rental auto up to the same limits as the auto being substituted.

If you rent an auto from a rental agency within the United States, its territories or possessions, or Canada not as a substitute automobile, your policy provides coverage for that rental auto, except for Uninsured Motorist Property Damage and Rental Reimbursement.

You should take a copy of your policy with you to the rental company to provide them with evidence of insurance. If your policy does not include Comprehensive or Collision coverage, you may be required to purchase additional insurance from the rental agency.

If the rental auto has a load capacity of over one ton, no coverage is provided; therefore, most moving trucks are not extended coverage under your 20th Century / 21st Century policy.

 

I’m planning a trip to Canada. What should I take with me to show I’m insured?
 
You may request a Canada Card from 20th Century here or by calling the Policy Service Department at 1-800-443-3100. Your policy must be paid through the dates of your trip prior to the issuance of a Canada Card. The Canada Card is mailed to you and is acceptable evidence of insurance to Canadian officials. If you are leaving soon and are unable to wait for the mail, you may pick up the Canada Card at one of our offices after calling the Policy Service Department to have the card printed.

 

Am I covered if I drive into Mexico?
 

Warning:
Unless you have automobile insurance written by a
Mexican insurance company, you may spend many hours or days in jail, if you have an accident in Mexico. Insurance coverage should be secured from a company licensed under the laws of Mexico to write such insurance in order to avoid complications and some other penalties possible under the law of Mexico, including the possible impoundment of your automobile. 20th Century is not currently licensed to write such a policy; however, your policy does apply in that part of the Republic of Mexico lying not more than 75 miles from the boundary of the United States and the use of any insured automobile within the Republic of Mexico does not exceed 10 consecutive days.

 

If I’m involved in an accident, will my premium increase?
 
If you are found at least 51% responsible for the accident AND there is more than $1,000.00 paid from the Property Damage Liability and/or Collision coverages, OR there is more than $500.00 paid from the Bodily Injury Liability coverage, you will be surcharged for the accident beginning at your next renewal.

 

Will a Comprehensive claim increase my premium?
 
No.

 

Will an Uninsured Motorist Bodily Injury, or Uninsured Motorist Property Damage claim increase my premium?
 
No.

 

How long do tickets and accidents stay on my record?
 
All minor traffic convictions (e.g., speeding, illegal turn) and accidents remain on your driving record for three years. All major violations (e.g., DUI, speed contest) remain on your driving record for seven years. Points for traffic convictions and chargeable accidents are added and removed at the renewal of your policy. There is no change to the policy mid-term to add or delete points.

 

 

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