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In determining continuous coverage, employer-imposed waiting periods and HMO affiliation periods do not count as a break in coverage. If your new plan imposes a pre-existing condition exclusion period, you can credit time under your prior coverage toward it. If your employer requires a waiting period, the pre-existing condition exclusion period begins on the first day of the waiting period. HMOs that require an affiliation period cannot exclude coverage for pre-existing conditions.

This booklet is designed to give you some of the basic information you will need to find your way through the auto insurance maze. Since it is intended only as a general guide, it probably will not answer all your questions about auto insurance. If you have additional questions, please call, write, or visit our office. We will try our best to answer your questions or help you with any problems you might have with your claims, your coverages, your agent, or your insurance company.