Frequently Asked Questions
Have insurance questions? Our FAQ section provides answers to frequently asked questions about auto, home, health, life, and commercial insurance, as well as tax and accounting services. Whether you’re looking for policy information, coverage details, or general guidance, you’ll find clear and helpful information in one convenient place.Explore common insurance questions, tax preparation questions, and health insurance questions to better understand your options and make informed decisions with confidence.
Auto Insurance
Can I get insurance without a U.S. driver's license?
Yes. We can help you get insurance even if you have an international license, an ITIN, or no license at all. We work with insurance providers that understand the reality of our community.
What is an SR-22 and when do I need one?
An SR-22 is not a type of insurance, but rather a document that proves to the state that you have active insurance coverage. You may need one if you have received serious traffic citations, drove without insurance, or had your driver's license suspended. We can issue it the very same day.
What type of coverage is mandatory in the U.S.?
It depends on the state, but most require at least Liability coverage, which covers damages to third parties. We also offer Full Coverage if you would like more protection for your vehicle.
Can I insure my car if I have tickets or accidents on my record?
Yes. Having a complicated history doesn't prevent you from getting insurance. We work with multiple companies to find the best option for you, without judging your past.
Health Insurance
What are out-of-pocket expenses?
In health insurance, this refers to the total amount of money you must pay for your covered medical costs during a calendar year before your health insurance begins to cover 100% of the expenses.
What Is a Deductible?
A deductible is the amount you pay for covered healthcare services before your insurance plan begins to pay. Some plans have separate deductibles for specific services, such as prescription medications.
What is a Copay?
A copay is a fixed amount—for example, $20—that you must pay for a healthcare service, usually at the time you receive the service. The copay amount may vary depending on the type of service.
Is health insurance mandatory in the U.S.?
While the penalty for the individual mandate has been eliminated at the federal level, some states still require residents to have health insurance.
Commercial Insurance
Can I get insurance without a U.S. driver's license?
Yes. We can help you get insurance even if you have an international license, an ITIN, or no license at all. We work with insurance providers who understand the reality of our community.
What is an SR-22, and when do I need one?
An SR-22 is not a type of insurance, but rather a document that proves to the state that you have active insurance coverage. You may need one if you have incurred serious traffic violations, drove without insurance, or had your driver's license suspended. We can issue it the very same day.
What type of coverage is mandatory in the U.S.?
It depends on the state, but most require at least Liability coverage, which covers damages to third parties. We also offer Full Coverage if you would like more protection for your vehicle.
Can I insure my car if I have tickets or accidents on my record?
Yes. Having a complicated driving history does not prevent you from obtaining insurance. We work with multiple companies to find the best option for you, without judging your past.
Home Insurance
Is home insurance mandatory?
It is not required by law; however, if you have a mortgage, your bank requires it. Even without a mortgage, it is highly recommended to protect your most valuable investment: your home.
What does this type of insurance NOT cover?
Things that are commonly not covered:
- Flood damage (a separate policy is required)
- Earthquakes (additional insurance in some states)
- Damage due to lack of maintenance
- Illegal activities or intentional negligence
We can help you add additional coverage if you need it.
What does homeowners insurance cover?
Homeowners insurance generally covers:
- Damage to the structure of the home, due to fire, storms, vandalism, etc.
- Loss of or damage to personal belongings
- Temporary housing expenses if you cannot live in your home due to damage
- Personal liability if someone is injured on your property
Does home insurance cover flood damage?
No. Flood damage is not included in most standard policies. If you live in a high-risk area, we recommend purchasing additional flood insurance.
Life Insurance
Can I get insurance without a U.S. driver's license?
Yes. We can help you get insurance even if you have an international license, an ITIN, or no license at all. We work with insurance providers that understand the reality of our community.
What is an SR-22, and when do I need one?
An SR-22 is not a type of insurance, but rather a document that proves to the state that you have active insurance coverage. You may need one if you have received serious traffic citations, drove without insurance, or had your driver's license suspended. We can issue it the very same day.
What type of coverage is mandatory in the U.S.?
It depends on the state, but most require at least Liability coverage, which covers damages to third parties. We also offer Full Coverage if you would like more protection for your vehicle.
Can I insure my car if I have tickets or accidents on my record?
Yes. Having a complicated history doesn't prevent you from getting insurance. We work with multiple companies to find the best option for you, without judging your past.
Taxes and Accounting Services
When is the deadline to file my taxes?
The deadline to file taxes in the U.S. is generally April 15th each year, although it may change if it falls on a holiday or weekend. You can also request an extension if you need more time, but any taxes owed must still be paid by the deadline.
What documents do I need to prepare my taxes?
Common documents include W-2 forms, if you are an employee, 1099 forms, if you are a contractor or receive non-salary income, receipts for deductions, information on student loan interest, investment account statements, and any other documents related to income and expenses. Our team can provide a detailed list based on your situation.
How can I know if I qualify for tax credits or deductions?
There are various tax credits and deductions you may qualify for, such as the child tax credit, education credits, or mortgage interest deductions. It will depend on your income, family situation, and other factors. Contact us, and we will help you maximize your tax savings.
General
How can I schedule an appointment with a specialist?
You can schedule an appointment with one of our specialists directly through our website or by calling our contact number. We offer both virtual and in-person consultation options, and we adapt to your needs to provide you with the best possible service.
These responses provide clear and useful information to clients, building trust and making decision-making easier.
