Client Knowledge Base

Typically 24–48 business hours once we receive your registration. For urgent requests, call us at 301-985-2667.

We can only add a vehicle registered under the first named insured on the policy — unless you are legally married. Call us at 301-985-2667 to review your specific situation.

If a new driver will be regularly using the vehicle, let us know. All regular household drivers should be listed to avoid coverage issues in the event of a claim.

Yes, if you truly cannot obtain a receipt, we can offer a No Tag Return Document for you to sign. The effective date will be today’s date (not backdated). We strongly recommend returning your tags and getting the receipt first.

If you’ve prepaid for coverage, removing a vehicle may result in a premium credit. Your confirmation email will include the updated premium details.

If an unlisted driver has an accident in your vehicle, your claim could be complicated or denied. Adding drivers protects everyone.

It depends on the driver’s age, driving history, and the carrier. An agent will send you an email with the updated premium once the change is done. If you’d like an estimate before committing, call or text us at 301-985-2667.

It depends. If they’re away without a vehicle and only drive yours during visits, call or text us at 301-985-2667 — there may be a student-away discount available that could actually lower your premium.

A licensed agent may be able to discuss a driver exclusion as an alternative. An excluded driver would NOT be covered if they operated your vehicle. A licensed agent will walk you through all implications before proceeding.

Possibly, especially if the driver had violations or a higher-risk profile. You’ll receive a confirmation email with your updated premium.

The other driver was at fault:

• Assuming no bodily injury, it’s usually best to file with their insurance company — this avoids paying your deductible and keeps the claim off your record.
• Call us at 301-985-2667 and we can help you contact their carrier if needed.

You were at fault (or fault is unclear):

• File through your own policy. A claims adjuster will contact you within 24–48 hours.
• For smaller damage, consider getting a repair estimate first — if the cost is close to your deductible, it may be better to pay out of pocket.

Hit-and-run or uninsured driver:

• Document everything immediately — photos, scene, witness information.
• Your uninsured motorist coverage may apply. File a police report.

Windshield or glass damage only:

• Call us at 301-985-2667 before scheduling a repair — we’ll confirm your glass coverage and deductible first.

Minor water damage:

• Stop the source of water first. Take photos before any cleanup. Get a contractor estimate before filing.

Major water damage (burst pipe, flooding):

• Shut off the water immediately. Take photos and video before and during cleanup. Keep all receipts for emergency repairs.

Storm damage (roof, fallen tree, wind):

• Tarp your roof as soon as it’s safe. Get a contractor assessment and document everything with photos before any repairs begin.

Theft or vandalism:

• File a police report immediately — this is required by most carriers. Make a list of all stolen or damaged items with descriptions, estimated values, and purchase dates.

• Phone (fastest): 301-985-2667 during business hours — claims are our highest priority
• Email: info@foresighti.com
• After hours: Contact your carrier’s direct claims line (on your insurance Declarations). Call us the next business day to follow up.

It depends on the type of claim, your carrier, and your history. Call us at 301-985-2667 before filing — we’ll help you weigh the pros and cons.

Call us at 301-985-2667 — we can help you understand the offer, request a re-inspection, or escalate to the carrier on your behalf.

When you call us at 301-985-2667, our team can:

• Look up exactly what you owe and which carrier to pay
• Walk you through the payment process step by step while you’re on the phone
• Assist you in completing the payment through your carrier’s portal or phone payment line
• Confirm in the carrier’s system that your payment posted and your policy is active
• Follow up on your behalf if a payment doesn’t reflect correctly

💡 You never have to figure this out alone. Whether you’re confused about an amount, can’t find the payment link, or just want someone to walk you through it — call us at 301-985-2667 and we’ll take care of it with you.

💡Our recommendation: Set up an online account with your carrier and enable email notifications. Also, please open all mail from your carrier — they send critical billing updates and cancellation notices by postal mail.

Call us the same day — we’ll help you resolve it immediately. Your policy can be kept active if payment is made before the cancellation effective date. After that date, your coverage lapses — and a lapse affects your future rates and can trigger an MVA notice in Maryland for personal and commercial auto insurance policies.

What to do right now:

1. Call us at 301-985-2667 — we’ll look up your account, confirm exactly what you owe, and help you complete the payment while you’re on the phone.
2. If you prefer to pay on your own first, go ahead — then call or email us so we can verify the payment posted and confirm your policy is out of pending cancellation status.
3. If you’ve already paid and received this notice, reply “I already paid” to any email from us — or call 301-985-2667 — and we’ll close it out.

⚠️ Important: Our agency sends only two non-payment reminders before a cancellation effective date. If you receive a notice from us, please act immediately — there may not be another reminder before your policy cancels.

Yes — this is one of the most common things we help clients with. Call us at 301-985-2667 and we’ll pull up your account, confirm the exact amount due, and stay on the phone with you while you complete the payment through your carrier.

Most carriers require the full past-due amount to stop a cancellation — partial payments generally do not prevent it. Call us at 301-985-2667 before making a partial payment.

Not automatically. A payment after a cancellation date does not restore coverage until the carrier formally reinstates the policy. Call us at 301-985-2667 immediately — we’ll verify whether reinstatement was processed and confirm whether there is a coverage gap.

• New mortgage company name — exactly as it should appear on the policy
• New loan number
• New mailing address for the mortgage company’s insurance department
• Whether this is a 1st mortgage, 2nd mortgage, or both

• Email: info@foresighti.com — include all the above details, or forward the notice from your mortgage company
• Phone: 301-985-2667
• Text a photo: 301-985-2667 — text us a photo of the letter and we’ll handle the rest

My mortgage was sold to a new servicer:

• Send us the new company’s name, loan number, and address — we’ll update the policy and send an amended declarations page to the new lender. Same business day processing in most cases.

I refinanced my home loan:

• Contact us as early as possible in the refinance process — ideally 1–2 weeks before closing. Call us at 301-985-2667 if your closing is coming up soon and you need same-day processing.
• We’ll also make sure your coverage limits meet your new lender’s requirements.

I received an “Insufficient Coverage” or “Force-Placed Insurance” notice:

⚠️ Act immediately. If your mortgage company is threatening to purchase insurance on your behalf (lender-placed insurance), it means their records don’t match your current policy. Lender-placed insurance is significantly more expensive and only protects the lender — not you.

• Text us a photo of the notice to 301-985-2667 or email it to info@foresighti.com right away. We’ll contact your mortgage company directly to confirm your coverage is in place.

I paid off my mortgage — should I remove the mortgagee?

• Yes — once your loan is fully paid off, contact us at 301-985-2667 or info@foresighti.com. This is an administrative update — it doesn’t affect your coverage or premium.

No — changing the mortgagee information is a purely administrative update and does not affect your premium or coverage in any way.

Yes — call us at 301-985-2667 as soon as possible and let us know it’s urgent. We’ll prioritize same-day processing.

Call us at 301-985-2667. We’ll review your current coverage, update it to meet the new requirement, and send the updated declarations page to your lender. A coverage increase may result in a small premium adjustment, which we’ll explain before making any changes.

• Certificate holder name — the company or person requiring proof, exactly as they want it listed
• Their mailing address
• Any specific requirements (additional insured, waiver of subrogation, primary and non-contributory, 30-day notice of cancellation, specific wording)
• Preferred delivery method: Email, fax, or mail

💡 Not sure what your certificate holder is asking for? Forward us their email, contract language, or requirements sheet and we’ll prepare the COI to meet their specifications. You don’t need to interpret the insurance language yourself.

Additional Insured (AI):

• Ongoing Operations (CG 2010): Coverage during active work at their location
• Completed Operations (CG 2037): Coverage after your work is finished. Many contracts require both.

Waiver of Subrogation:

Your insurance company gives up its right to sue the certificate holder after a claim. Landlords and property managers typically require this to protect themselves from being sued by your insurer after a claim.

Primary & Non-Contributory:

Your policy pays first — and doesn’t ask the certificate holder’s insurance to contribute anything. Commonly required by landlords and general contractors.

30-Day Notice of Cancellation:

Your insurance company gives the certificate holder 30 days’ advance written notice if your policy is cancelled or not renewed. Makes the notification legally enforceable.

⚠️ Important: We cannot add language to a COI for coverage that doesn’t exist in your policy. If your certificate holder requires something you don’t currently have, we’ll need to add the endorsement to your policy first — which may affect your premium. Call us at 301-985-2667.

Yes — just include their email address or fax number in your request and we’ll send it directly. We’ll copy you on the delivery for your records.

A COI reflects your coverage as of the date it’s issued. Once your policy renews or changes, you may need to request an updated certificate. Let us know if you have recurring COI requirements and we can set up a reminder.

Same business day for standard requests received before 4:00 PM. For truly urgent requests, call us directly at 301-985-2667 and let us know the deadline.

FR-19 (insurance verification for a specific date):

• Required when the MVA or DMV  suspects a coverage lapse or discrepancy on a specific date
• Must be submitted by a licensed agent only
• We submit it electronically through the Maryland eFR-19 system on your behalf

Insurance Verification Request (registration renewal):

• Required during vehicle registration renewals to confirm you have current active coverage
• No specific date needed — just confirms coverage is active today
• Can be processed the same day by any member of our team

1. Text us a photo of the letter to 301-985-2667 or email info@foresighti.com
2. We’ll verify in our system that we were your insurer on the date the MVA is asking about
3. If we covered you on that date, a licensed agent submits the eFR-19 to the MVA electronically
4. We email you confirmation once it’s submitted

⚠️ Important: We can only submit an FR-19 for dates when we were your insurer. If you were with a different carrier on the date in question, you’ll need to contact that carrier directly.

1. Send us the notice (text to 301-985-2667 or email info@foresighti.com)
2. We verify your policy is active and in good standing in our system
3. We submit the verification to the MVA portal using your policy’s NAIC code and policy number
4. We email you a confirmation once it’s processed

Can clients handle this themselves? Yes — you can submit through the Maryland MVA Online Services portal (mva.maryland.gov). You’ll need your vehicle’s title number, tag number, and your insurance policy’s NAIC code (found on your insurance ID card).

Failing to respond can result in registration suspension, fines, or other MVA or DMV penalties. Contact us as quickly as possible at 301-985-2667 so we can submit before any deadline.

Call us at 301-985-2667 as soon as possible. We’ll review your coverage history, help determine whether an FR-19 can be submitted, and advise you on next steps with the MVA or DMV.

Contact us at 301-985-2667 or info@foresighti.com and let us know what you need and who it’s for. We can generate an insurance ID card, evidence of insurance letter, or declarations page — usually same day.

• Your carrier will mail you a renewal notice 30–45 days before your policy renews. Please open all mail from your insurance company — it contains your new premium amount and any important coverage updates.
• You may also receive an automated email from us asking you to verify your policy information. Please respond — it helps us catch changes that could affect your coverage or rate.
• If you’re on autopay or mortgage billing, your policy renews automatically — no action needed unless something has changed.
• If you pay manually, make sure payment is submitted before your renewal date to avoid a lapse in coverage.

Before your renewal, we’ll send you an email asking you to confirm that your policy information is still accurate. For auto + home customers, we’ll ask you to confirm: mortgage company (refinanced recently?), home improvements or renovations, vehicles to add/remove/update, new drivers or household changes, and mailing or garaging address changes.

For home-only customers, we’ll also include a note that bundling your auto with us could save you $300–$600/year (15–25% savings).

To respond: Reply to the email with any changes, or reply “No changes” if everything is current. We’ll take it from there.

• Call or text us right away to review your options 301-985-2667

The options we can review with you when the rate goes up:

1. Review your discounts — make sure you’re getting everything you qualify for
2. Adjust coverage levels — if appropriate and you understand what you’re giving up
3. Shop with other carriers — we work with multiple carriers and can compare
4. Bundle additional policies — adding umbrella or life insurance often provides discounts that offset increases

We log it in your file and close the task — no further action needed from you. Your policy will renew normally.

Absolutely. As an independent agency, we work with multiple top-rated carriers. Call us at 301-985-2667 at least 2–3 weeks before your renewal date.

Because bundling your auto and home with us typically saves clients $300–$600 per year. If you’d like us to run a quick comparison, just reply to the email or call 301-985-2667.

When we receive a cancellation request, we’ll always reach out to you first before processing anything. It’s because we often find solutions clients didn’t know were available:

• Price issue? You may be missing our biggest discount — the multi-policy bundle savings. We can often match or beat the new rate. We also find new policies are lower in cost because coverage has been decreased without you realizing. Insurance is complex. We can help do a side-by-side comparison with no obligation before you switch.
• Bad experience with your carrier? We work with multiple carriers. We can move you to a different company without you having to start over. We have all of your information already.
• Service issue with us? We want to know. If something went wrong, we want to fix it.
• Life change? We can often adjust your coverage to fit your new situation instead of cancelling entirely.

1. Signed cancellation request — this is non-negotiable.

The named insured must sign a cancellation form. No exceptions. If you’d rather not handle the paperwork, we can send you an e-signature form to sign in under a minute.

The cancelation form needs to include the following information:

• Full Name of the Insured
• Address
• Policy type
• Policy number
• Date of cancellation being requested
• Signature of the named insured 
• Date signed

2. Proof of replacement insurance (required for backdating).

If you’ve already started a new policy and want us to backdate your cancellation, we need a copy of your new declarations page (proof of insurance)

3. Additional documentation by reason:

⚠️ Never cancel your current policy until your new policy is active and confirmed. Even a single day without coverage can: affect your future insurance rates, trigger an MVA or DMV notice in Maryland, create complications with your mortgage company (for home policies), and void your ability to backdate the cancellation.

Cancelling because you found a lower rate:

• Before you finalize, call us at 301-985-2667 — we may be able to match or beat the rate.
• If you have only one policy with us, you may be missing a bundle discount that could make a significant difference.
• Send us your new quote and we’ll do a no obligation side-by-side comparison. This avoids losing coverage, not just price. 

Cancelling your home insurance because you sold the property:

• Send us the closing documents showing the closing date — we’ll backdate the cancellation to that date.
• Make sure you have insurance on your new property before we cancel this one.

Cancelling an auto policy because you sold the vehicle:

• If you have other vehicles on the policy, this is a vehicle removal, not a full cancellation. See our Removing a Vehicle article.
• Return your license plates to the MVA or DMV and send us the tag return receipt so we can backdate the cancellation accurately.

In most cases, yes — your policy is prorated and you’ll receive a credit for the unused portion. Some carriers charge a short-rate cancellation fee if you cancel mid-term. We’ll let you know if this applies before we process the cancellation.

A non-renewal means the carrier has decided not to renew your policy at the end of the current term — it is not an immediate cancellation. You’re covered until your expiration date. Call us at 301-985-2667 as soon as you receive this notice in order to review your options.

Call us at 301-985-2667 right away. We’ll process the cancellation backdated to the date your new policy started (if you have proof of the new policy), so you’re not paying for two policies.

• All current policies and coverage levels
• Any coverage gaps that could leave you exposed
• Discounts you may qualify for but aren’t receiving
• Whether your liability limits are appropriate for your situation
• Whether umbrella insurance makes sense for you (starting as low as $10–25/month when bundled)
• Life insurance options if you have dependents
• Any life changes that should affect your coverage

• Call or Text 301-985-2667 — ask for a coverage review
• Email: info@foresighti.com — let us know you’d like to schedule and the best time to reach you

Reviews typically take 15–30 minutes by phone. We’ll work around your schedule.

Absolutely not. Many people have reviews and make no changes at all — they just leave feeling more confident about their coverage. Our goal is to make sure you’re informed, not to generate a sale.

Absolutely — it’s one of the best times. We’ll explain exactly why the rate changed, whether adjustments make sense, and whether we can offset the increase through information update, discounts, coverage modifications, or bundling.

💡 Online Quote Form link: quoteforms.app/foresight-insurance-llc/forms/9e7458b0-ef8d-4531-9782-ca4a67fe1199/respond — submit anytime. A licensed agent follows up the same business day for requests received before 4:00 PM.

You can submit a quote request at any time using our online form — no phone call required to get started.

Here’s what to expect:

Fill out your basic contact information and what type of insurance you need (auto, home, both, commercial)

Answer a few questions about your household, vehicles, and current insurance — the more detail you provide, the faster we can get you accurate numbers

Submit the form — a licensed agent will contact you by phone or email, typically the same business day for submissions received before 4:00 PM

To speed up the process even further, you can securely share your current policy using the Canopy Connect option in the form — this lets us pull your existing coverage so we can compare accurately and make sure you’re not losing anything important when you switch

Link to securely submit your proof of insurance https://app.usecanopy.com/c/foresight-insurance-llc

💡 Tip: If you want to speed up the quote, have photos of your driver’s license and vehicle registration ready to text us at 301-985-2667 right after submitting the form. That way we have everything we need before we call you back.

Personal Insurance

• Auto Insurance — for individuals, families, and all household drivers
• Homeowners Insurance — including standard, high-value, and older homes
• Renters Insurance — for apartments, condos, and rental properties
• Condo Insurance — including interior coverage and loss assessment
• Umbrella Insurance — $1M+ in additional liability protection, often $10–15/month when bundled
• Life Insurance — term and whole life, often quoted alongside other policies
• Flood Insurance — separate from homeowners; required in some flood zones

Business Insurance

• General Liability — the foundation of most commercial policies
• Commercial Auto — for business vehicles and employees driving for work
• Workers’ Compensation — required in Maryland for most businesses with employees
• Commercial Umbrella — additional liability protection above your GL and commercial auto limits
• Business Owners Policy (BOP) — bundles property and liability for small businesses

💡 Own a business? Let us know when you reach out — we can quote both your personal and business coverage together. Many business owners save money and simplify their insurance by having everything coordinated through one agency.

You don’t need everything before calling or submitting the form — we’ll guide you. But having these on hand speeds things up. You can text photos to 301-985-2667 or upload them to the quote form. 

For Auto Insurance

• Driver’s licenses for all household drivers
• Vehicle registrations for each car you want to quote
• Your current declarations page (if switching carriers)

For Home Insurance

• Property address, year built, and when the roof was last updated
• Mortgage company name and loan number (if applicable)
• Your current declarations page (if switching)

For Business Insurance

• Business name and type of business
• Number of employees and approximate annual revenue
• Whether any vehicles are used for business purposes
• Your current commercial policy if you have one

• We introduce ourselves and explain how we work — as an independent agency, we compare options across multiple carriers to find the best fit for you.
• We ask a few questions about your household, driving history, home, and claims — this ensures we quote accurately so there are no surprises later.
• We run your quote across our carrier partners — ERIE Insurance, Liberty Mutual, GEICO, Progressive, Philadelphia Contributionship, Travelers, AIC, Universal P&C, and others — and identify the best options for your situation.
• We walk you through your options live — not just email you a number. We explain what each coverage does, what happens at claim time, and whether your current policy has any gaps worth addressing.
• If you’re ready to proceed, we can often bind coverage the same day — most personal lines policies activate the same day once the application is complete and payment is processed.

Yes — completely free, with no obligation. We quote you, walk you through the options, and you decide what makes sense. No pressure, no fees of any kind.

For a straightforward auto or home quote, typically 15–20 minutes on the phone to gather the information. If you’re bundling multiple policies or have a more complex situation, allow 30–45 minutes for a thorough review.

In most cases, yes. Same-day activation is available for personal lines policies once the application is complete and payment is processed. Let us know upfront if you have an urgent need — a lapse in coverage, a closing date, a new car being picked up — and we’ll prioritize it.

Yes — you can switch at any time, not just at renewal. Your current carrier will typically issue a prorated refund for the unused portion of your premium. We’ll coordinate the timing so there’s no gap in coverage. Never cancel your current policy until your new one is confirmed and active.

Yes. We work with multiple carriers, some of which specialize in higher-risk profiles. We’ll be honest with you about what’s available and what the pricing looks like. Call us at 301-985-2667.

Insurance quotes typically use a “soft pull” of your credit, which does not affect your credit score — this is different from a hard inquiry used for loans or credit cards.

Yes — our team includes bilingual agents. When you call, press 3 for Spanish service. You can also email, text, or fill out the quote form in Spanish and we’ll respond in Spanish.

Monday through Friday, 9:30 AM – 5:00 PM EST. Calls and form submissions received before 4:00 PM are handled the same day. You can leave a message, text, or submit the form outside of business hours and we’ll follow up the next business day.

📞 Ready to get started?

📋 Online form:Fill out our Quote Request Form

📞Call or Text: 301-985-2667 (Extensions: English: 1 | Español: 3)

📧Email: info@foresighti.com

💬Text: 301-985-2667

🌐 Website:www.foresighti.com

• Moving within MD/VA/DC → We can help. Address change processed normally (some policies require a rewrite).
• Moving between MD, VA, and DC → A policy rewrite is required. Secure new coverage in the new state, register your vehicle, then we cancel the old policy.
• Moving outside MD/VA/DC → We are only licensed to write business in MD/VA/DC. We cannot continue your coverage. We’ll guide you through a smooth transition to a new carrier in your destination state — without any gap in coverage.

• Same state: Standard address change endorsement — processed normally.
• Different state within our territory (e.g., MD to VA): Policy rewrite required. Secure new coverage first → register vehicle → we cancel old policy.
• Outside MD/VA/DC: Same sequence, but with a carrier in your new state. Call us at 301-985-2667.

Homeowners policies always require a policy rewrite when the address changes — even within the same state. If you sold your home, we need a copy of your closing disclosure to backdate the cancellation to the closing date. If you’ll be renting at the new address, you’ll need renters insurance instead.

No — a USPS mail forwarding request does not update your insurance policy. You must notify us directly so we can update each policy with the carrier.

For real estate closings, call us at 301-985-2667 as soon as possible. We can process same-day for urgent closing situations.

1. We’ll send you a secure email link with the document to be signed electronically — via Adobe Sign.
2. Click the link. You’ll see the document with any required fields clearly highlighted.
3. Sign using your mouse, touchscreen, or by typing your name.
4. Once signed, you’ll automatically receive a copy by email and we’ll receive confirmation on our end.
5. Processing continues immediately after your signature is received — no need to call us to let us know.

💡 Takes less than 2 minutes. Most e-signature requests can be completed from your phone without downloading anything. If you have any questions about what you’re signing before you sign, call us at 301-985-2667 — never sign something you don’t understand.

• A signed cancellation request (ACORD 35) is non-negotiable. We cannot process a policy cancellation without it — this protects you from unauthorized cancellations.
• If you’ve already moved to a new carrier and your new agent hasn’t provided this form, we can draft it and send it to you via e-signature. It takes under a minute to sign.

Yes — electronic signatures are fully legally binding under the E-SIGN Act (Electronic Signatures in Global and National Commerce Act) and are accepted by all carriers we work with.

In most cases, no. The named insured on the policy must be the one who signs — this is a carrier and legal requirement. If you have a legal power of attorney arrangement, call us at 301-985-2667.

No — a signed cancellation request is required by our agency regardless of what your new agent says. Call us at 301-985-2667 and we’ll send you the form via e-signature so you can sign it in under a minute from your phone.

At the end of each policy period, your insurance carrier reviews your actual business activity — payroll, revenue, or subcontractor payments — to confirm you paid the correct premium for the year. Your starting premium was based on estimated figures. The audit uses your actual numbers to calculate the true cost.

• Your actual figures were lower than estimated → you receive a premium refund
• Your actual figures were higher than estimated → you owe additional premium

• Payroll records (W-2 and 1099 forms for all employees and contractors)
• Quarterly tax filings (Form 941s and state payroll reports)
• Profit & Loss (P&L) statement for the policy period
• Employee job descriptions or class codes
• Sales and receipts journal (for General Liability policies)
• Subcontractor payment records and their Certificates of Insurance

⚠️ Protect yourself before work starts. Always collect a Certificate of Insurance from every subcontractor before they begin work — and make sure the COI lists your business as an Additional Insured. Call us at 301-985-2667 if you need help.

ERIE Insurance:

• Non-compliance penalty (Maryland): A 100% audit charge may apply — can be waived if you comply promptly
• ERIE will send 2 additional reminders before taking action on non-compliance
• ERIE Audit: erieinsurancecommercialaudit@erieinsurance.com | 1-800-458-0811 ext. 4948

The Hartford:

• Typically allows 30 days to respond to an audit request
• Non-compliance penalty: Up to 200% of your estimated premium — rarely waived

Progressive Commercial & Travelers:

• Audits typically handled by mail or online submission — non-compliance can result in estimated premium charges and potential non-renewal

All Other Carriers:

• Standard industry penalty for non-compliance: up to 200% of your estimated premium

Yes. The audit calculates the final earned premium for the period your policy was active — even if the policy has since been cancelled. Ignoring it will still result in penalties or collections action.

Depends — if your actual payroll or revenue was lower than the estimate, the audit will result in a return premium (refund) or credit if your policy is active. This is one of the best reasons to complete the audit promptly.

Call us immediately at 301-985-2667. We can review the audit findings with you and contact your carrier on your behalf to dispute incorrect charges. Don’t pay an amount you believe is incorrect without calling us first.

Collision covers damage to your vehicle when you hit another car or object — regardless of fault. Comprehensive covers damage from everything else: theft, vandalism, weather, fire, and hitting an animal. If a deer runs into your car, that’s comprehensive. If you back into a pole, that’s collision.

Auto liability covers the other party when you are at fault in an accident — their medical bills and property damage. It does not cover your own vehicle or your own injuries. Foresight’s minimum recommended limits are $250,000 per person / $500,000 per accident for bodily injury and $100,000 for property damage.

Yes — and we strongly recommend it. If you’re hit by a driver with no insurance or not enough insurance, your own uninsured motorist coverage steps in. Our recommended minimum is $100,000 per person / $300,000 per accident. Maryland has a high rate of uninsured drivers.

No. Standard homeowners policies do not cover flood damage — this is one of the most common and costly misunderstandings in insurance. Flood insurance is a separate policy entirely. Some carriers may offer endorsement. Call us at 301-985-2667, and we’ll check your property’s flood zone status.

Water backup coverage protects you when a sewer or drain backs up into your home — which is not covered by a standard homeowners policy. Our recommended minimum starts at $10,000 for home policies and $5,000 for condo policies. It’s an inexpensive add-on that covers a very common type of damage.

Actual Cash Value (ACV) pays what your property was worth at the time of loss — after depreciation. Replacement Cost Value (RCV) pays what it actually costs to repair or replace the item with new materials today — no depreciation. Foresight recommends Replacement Cost coverage on both your dwelling and personal property.

A personal umbrella policy adds a large layer of liability protection — typically $1,000,000 or more — on top of your auto and home liability limits. Through ERIE, umbrella coverage typically costs just $10–15/month when bundled with your auto and home.

Renewal Notice / Declarations Page:

A summary of your policy for the upcoming renewal period — coverages, limits, premium, and effective dates. Review it carefully. If your premium changed significantly or anything looks incorrect, call us at 301-985-2667.

Non-Payment / Pending Cancellation Notice:

A warning that your policy is at risk of cancellation due to a missed or overdue payment. Act immediately — make your payment before the cancellation date listed. Call us at 301-985-2667 and we’ll help you handle it.

Non-Renewal Notice:

Your carrier has decided not to renew your policy at the end of the current term. Call us right away at 301-985-2667. We have time to find you coverage with another carrier before your policy ends — but don’t wait.

Underwriting / Inspection Letter or Repair Requirement Notice:

A request from your carrier for information, photos, or proof of repairs. Forward the letter to us immediately — text a photo to 301-985-2667 or email to info@foresighti.com. These letters have deadlines and non-compliance can result in policy cancellation.

Insurance ID Cards:

Proof of insurance cards for your vehicle — required to carry in Maryland. Keep one in each vehicle. Digital ID cards are available through your carrier’s mobile app.

Dividend or Refund Check:

Some carriers (like ERIE Insurance) issue policyholder dividends or refunds after an audit. Deposit or cash the check. Call us at 301-985-2667 if you have questions about why you received it.

Of course — text us a photo to 301-985-2667 or email it to info@foresighti.com and we’ll explain exactly what it means and what action, if any, you need to take.

1. Forward the letter to us immediately — text a photo to 301-985-2667 or email info@foresighti.com
2. We’ll review the specific requirements and deadline with you
3. Get quotes from licensed contractors for the required repairs
4. Complete the repair work before the deadline
5. Take photos of the completed repairs and keep all paid receipts
6. Submit documentation through the carrier’s portal or send to us and we’ll submit it for you

For TPC (Philadelphia Contributionship) repairs: Submit at TheKey.Contributionship.com → Policy File tab → “Proof of Repairs” → upload photos and receipts.

For exterior-only inspections, no. If an interior inspection is required, the carrier will contact you to schedule a time.

Call us at 301-985-2667 right away. We’ll review the carrier’s exact requirements and deadline, help you document completed repairs, and if the timeline is a concern, we’ll communicate with the carrier on your behalf. Ignoring a roof requirement letter can lead to non-renewal — don’t wait.

Call us at 301-985-2667 as soon as you know there’s a timing issue. We can request an extension from the carrier on your behalf — but extensions must be requested formally before the deadline passes.

• New lender/lienholder name — exactly as it should appear
• New loan number
• New lender’s mailing address
• The vehicle this applies to (year, make, model)

• Email: info@foresighti.com — include all the above details
• Phone: 301-985-2667

No — updating lienholder information is an administrative change and does not affect your premium.

Most lenders require both comprehensive and collision coverage on financed or leased vehicles. If you’re not sure whether you have both, call us at 301-985-2667 and we’ll confirm your current coverage.

Yes — once your loan is paid off, you should remove the lienholder from your policy. Call us at 301-985-2667 or submit a request. Removing the lienholder doesn’t affect your coverage but keeps your policy information accurate.

Term Life Insurance:

• Provides coverage for a specific period — 10, 15, 20, or 30 years
• Best for: Income replacement during working years, covering a mortgage, protecting young children
• Most popular term: 20 years — covers the period when most financial obligations are highest

Whole Life Insurance:

• Provides permanent, lifelong coverage that never expires as long as premiums are paid. Builds cash value over time.
• Premium: Higher than term, but stays level for life — never increases with age

Universal Life Insurance:

• A flexible permanent policy that allows you to adjust premiums and death benefits over time. Builds cash value with interest.

These are estimates only. Your actual rate depends on your specific health profile, the carrier, and the coverage amount. Call us for a personalized quote.

• Bundle discounts: Having your auto, home, umbrella, and life insurance coordinated through Foresight often qualifies you for additional discounts
• ERIE Insurance advantage: Through ERIE, we can coordinate all four policies — auto, home, umbrella, and life — as a complete package
• One point of contact: When everything is with Foresight, you call one number for any questions — coverage, claims, or changes

• Full name, date of birth, and address
• Type of coverage desired: Term (and preferred length) or whole life
• Coverage amount desired (we can help you determine the right amount)
• Tobacco use: Do you currently smoke or use tobacco products?
• Basic health information: Diabetes, heart disease, respiratory conditions, cancer history, surgeries in the last 5 years, current medications
• Your goals: Income replacement, mortgage payoff, final expenses, college funding, business protection, estate planning

Most employer-provided life insurance covers only 1–2 times your annual salary — often not enough for a family with a mortgage and dependents. More importantly, employer coverage disappears the moment you leave your job. A personal policy is yours regardless of where you work.

Often, yes. Many health conditions don’t automatically disqualify you — they may affect your rate or the coverage amount available. We’ll have an honest conversation with you about what’s available for your specific situation. Call us at 301-985-2667 — there’s no cost to explore your options.

Business owners often have additional needs: Key person insurance (protects the business if an owner or critical employee dies), buy-sell agreement funding, and business loan protection. Call us at 301-985-2667.

Auto:

• Coverage limit increases or decreases
• Deductible adjustments
• Adding or removing rental reimbursement or roadside assistance
• Changing vehicle use (pleasure to commute, etc.)

Home:

• Updating your replacement cost estimate (RCE)
• Adding or updating scheduled personal property (jewelry, art, electronics, firearms)
• Adding a Personal Articles Floater for high-value items
• Updating coverage for home renovations
• Adding a home business endorsement

General:

• Updating your name or contact information
• Adding umbrella coverage to an existing auto/home account
• Commercial endorsements (additional insured, waiver of subrogation)

High-value personal items can be added as scheduled items (also called a Personal Articles Floater). This provides full replacement value coverage without a deductible, and covers the item anywhere in the world. Call us at 301-985-2667 to get started.

Yes — a major renovation can increase your home’s replacement cost and should be reflected in your policy. Call us at 301-985-2667 before major work begins.

For urgent requests, call us directly at 301-985-2667. Same-day processing is available in many cases when the request is submitted before 4:00 PM.

1. We review your current policy in detail — coverages, limits, deductibles, premium, and any discounts you’re currently receiving.
2. We run your information across our carrier partners — ERIE Insurance, Liberty Mutual, GEICO, Progressive, Philadelphia Contributionship, Travelers, AIC, Universal P&C, and others.
3. We present a side-by-side comparison — apples to apples. We make sure you’re comparing equal coverage, not just a lower price.
4. We coordinate the timing — if you decide to switch, we align your new policy start date exactly with the cancellation of your old policy. No gap in coverage.
5. We handle the paperwork — new application, e-signatures, and carrier submission.

⚠️ Critical rule: Never cancel your current policy until your new policy is confirmed and active. Even a single day without coverage can trigger an MVA notice in Maryland, affect your future rates, and void your ability to backdate the cancellation. We coordinate this timing for you.

Rate increase at renewal:

If your renewal came in significantly higher than last year, we can run a full market comparison. Before we shop, we’ll also review whether there are discounts you’re not receiving, coverage adjustments that make sense, or bundling opportunities (like adding umbrella or life) that could offset the increase.

Non-renewal notice from your carrier:

Call us at 301-985-2667 as soon as you receive the notice. The earlier we start, the more carrier options are available to you. Don’t wait until the last few weeks.

You found a lower quote elsewhere:

Before switching on your own, call us at 301-985-2667 and share the competing quote. We’ll do a side-by-side comparison to make sure you’re comparing equal coverage. Many clients find the lower price comes with a higher deductible, reduced liability limits, or missing endorsements.

If you have an existing policy with a carrier we represent and you want Foresight to become your servicing agent — without changing your policy or carrier — that’s called an Agent of Record (AOR) transfer. Your policy stays exactly the same — same coverage, same carrier, same policy number, same effective dates. Typical processing time is 5–10 business days depending on the carrier.

💡 Already have ERIE Insurance? ERIE transfers require a specific process and our principal’s direct involvement. Call us at 301-985-2667 to discuss — it’s handled professionally and we’ll walk you through the steps.

You can switch at any time — mid-policy or at renewal. If you switch mid-policy, your current carrier will typically issue a prorated refund for the unused portion of your premium. We’ll coordinate the timing either way.

Yes. All carriers check a national database called the CLUE report that shows your prior claims history across all insurers — typically the last 5–7 years. Switching carriers doesn’t reset or hide your claims history.

In most cases, yes. We work with multiple carriers, and some specialize in accounts with prior claims. Call us at 301-985-2667 as soon as you receive the non-renewal notice.

Every carrier has a reinstatement window — typically 10 to 30 days from the cancellation date. After that window closes, reinstatement may not be possible, a new application may be required, and the coverage gap stays on your insurance record and can increase future premiums. In Maryland, a lapse in coverage can also trigger an MVA notice.

1. Contact us immediately — we check whether reinstatement is still available with your carrier.
2. If available, you’ll need to make a payment to bring the account current (past due amount + any reinstatement fees).
3. We’ll assist you in completing the payment through the carrier portal or phone payment line while you’re on the phone with us.
4. Some carriers require a statement of no loss — a confirmation that no claims occurred during the lapse period.
5. Once the carrier confirms reinstatement, your policy is restored and you’ll receive updated documents.

It depends on the carrier and how quickly you reinstate. Some carriers reinstate retroactively back to the cancellation date — others only reinstate going forward. We’ll let you know which applies.

It varies by carrier — typically 10 to 30 days from the cancellation effective date. Call us immediately at 301-985-2667.

Yes — if reinstatement isn’t available, we can write you a new policy. Be aware that a prior cancellation may affect your rates or carrier eligibility. We’ll advise you on the best path forward.

To opt in to text communication from Foresight Insurance: Reply “YES” to any text you receive from us at 301-985-2667, or let us know verbally when you call in that texting is okay.

• Document photos: Registration, driver’s license, tag return receipts, MVA letters, repair receipts, closing disclosures
• Claim photos: Photos of vehicle damage, home damage, or accident scenes
• Quick updates and reminders: Status updates on pending requests, payment reminders

• We never share your phone number with third parties
• To opt out at any time, reply “STOP” to any text from us

1. Contact us immediately — text a photo of the letter to 301-985-2667 or email it to info@foresighti.com.
2. We’ll review the request, explain exactly what’s needed, and help you gather the required documentation.
3. We’ll communicate directly with the carrier on your behalf to respond to the request.
4. We’ll let you know the outcome and whether any policy changes result.

Never sign an exclusion or acknowledgment form without speaking to a licensed agent first. Call us at 301-985-2667, and we’ll explain what you’d be agreeing to.

1. Get quotes from licensed contractors for the required work
2. Complete the repairs before the deadline listed in the letter
3. Take photos of the completed work from multiple angles
4. Keep all paid receipts
5. Submit documentation to the carrier (we’ll help you with this)

⚠️ Repair deadlines are firm. Extensions require formal carrier approval and must be requested before the deadline — not after.

The carrier will ultimately non-renew your policy if the required repairs aren’t made by the deadline. Call us at 301-985-2667 right away. We’ll review the letter with you, help coordinate your response, and if necessary, shop your policy with other carriers.

Contact us immediately at 301-985-2667. ERIE requests information about any driver involved in a claim who isn’t listed on the policy. There is a response deadline — we’ll help you respond accurately and on time.

Call us immediately at 301-985-2667. Depending on the carrier and how recently the deadline passed, there may still be options. The sooner we contact the carrier, the better.

We’ll normally call you within 7 days of your policy effective date. An agent will personally reach out to go over a few important things about your coverage. It’s a quick 5–10 minute call, just making sure you’re set up for success.

If we miss you, we’ll leave a voicemail and send an email and text. Please call us back at 301-985-2667 when you get a chance. Save our number: Add 301-985-2667 to your contacts as “Foresight Insurance.”

1. How is everything going? Any questions about your new policy?
2. Before you file a claim — call us first. We’ll help you understand your options so you can make the best decision. This alone can save you thousands.
3. We’re a team. Anyone at Foresight can help you — you’re not locked to one person. If the agent who wrote your policy is unavailable, someone else will take great care of you.
4. Google review. If you’ve had a great experience, we’d love a Google review.
5. Referrals. If you know anyone who could use our help, we’d really appreciate the introduction.
6. We also do life insurance and business coverage. If either ever comes up, we’re your people.

• Not-at-fault accident? When possible, file with the other driver’s insurance first. Call us before you file anything.
• Small claims: Get a repair estimate first. If the damage is close to your deductible, it may be smarter to pay out of pocket.
• Vehicle or driver changes: Submit at foresighti.com → Service or call or text 301-985-2667. Changes are processed within 24–48 hours.

• Always call us before filing a home claim.
• Emergency damage steps: Stop the damage from spreading first (shut off water, tarp the roof), take photos of everything, get a contractor estimate, then call us.
• Mortgage company changes: If your mortgage is sold or transferred, let us know right away so we can update your policy before a lapse occurs.
• Open all mail from your carrier. Important billing and coverage notices come by postal mail — don’t discard them.

• Phone or Text: 301-985-2667 — Mon–Fri during business hours
• Email: info@foresighti.com — same day response before 4:00 PM
• Text: 301-985-2667 — great for sending photos (registration, license, damage, etc.)
• Online: foresighti.com → Service for policy change requests

If you’ve had a great experience with Foresight Insurance, we’d truly appreciate a Google review. It only takes 2 minutes and makes a huge difference for our team. Search “Foresight Insurance” on Google Maps and click “Write a review” — or ask us for a direct link when you call.

• Phone: 301-985-2667
• Email: info@foresighti.com

We’re sorry to hear that. Please call us at 301-985-2667 or email info@foresighti.com. We take service issues seriously and want to make it right.

We love referrals — they’re the highest compliment you can give us. Ask us about our current referral program when you call at 301-985-2667.

A loss run is an official report generated by your insurance carrier that summarizes your claims history over a specific period — typically the last 3 to 5 years. Each report shows: date of each claim, type of claim, amount paid, amount reserved, status (open or closed), and which policy term the claim fell under. If you’ve had no claims, the report will confirm a loss-free history — which is equally important and often works in your favor.

1. Contact us by phone at 301-985-2667 or email info@foresighti.com
2. Provide your business name, policy number(s), the coverage type (GL, WC, Commercial Auto, BOP, etc.), and how many years you need
3. Let us know if you have a specific deadline — tell us upfront so we can prioritize
4. We contact your carrier directly and request the loss runs on your behalf
5. Once received, we forward them to you and/or directly to whoever requested them

No — loss run requests are a standard service included in your policy. There is no charge to you or to us for requesting them from the carrier.

Yes — most applications still require loss runs even if you’ve had no claims. A loss-free report is actually a positive document that demonstrates a clean history and can result in lower premiums.

Call us at 301-985-2667 right away. We can review the claims history in our system, help you understand each entry, and if there’s an error, contact the carrier directly to investigate.

Call us immediately at 301-985-2667. For ERIE and select other carriers, we can pull loss runs directly through our agency portal same day. For carriers that require a formal request to their service team, we’ll submit it urgently and let you know the realistic timeline.

Monday through Friday, 9:30 AM – 5:00 PM EST. Calls and form submissions received before 4:00 PM are handled the same day. You can leave a message, text, or submit a form outside of business hours and we’ll follow up the next business day.

• Submit vehicle changes, driver changes, and service requests online at foresighti.com → Service
• Make payments and view policy documents through your carrier’s online account
• Download insurance ID cards through your carrier’s app or online portal

Yes — texting photos to 301-985-2667 is actually the fastest way to send us documents. We accept photos of registrations, driver’s licenses, tag return receipts, MVA letters, and more.

Absolutely. Our team includes bilingual agents who can respond in Spanish. Write to us at info@foresighti.com in whichever language is most comfortable for you.