Annual Policy
Fireman's Fund Insurance Company offers an annual policy term. The annual policy term means less paperwork to worry about and only one renewal per year. Aside from policy revisions that you request, rates cannot change for a full year!

Flexible Billing
You can choose your payment plan. Your options include a two-payment plan, a four-payment plan or you can choose to participate in our AFT program (see below) and have your payment spread out over 12 months. A nine-payment plan is available for policies at renewal only.

Automatic Funds Transfer (AFT)
You have the option to have your insurance premium deducted monthly from your checking account, automatically. There is no cost if you choose this option and you save money by not paying installment fees.

CARCO GROUP Inc.
Founded in 1977, CARCO Group, Inc., a privately-held corporation, began operations with offices located in St. James, New York . The company, first and foremost, is in the business of providing leading-edge fraud detection services . As such, CARCO provides Physical Damage Inspections to Fireman's Fund Insurance Company in compliance with N.J.A.C. 11:3-36. If you need to get your car inspected for insurance purposes, click on
> www.carcogroup.com and go to the site locator section. Or you can call (888) 242-1200 for their automated telephone locator service.

Designation of Third Party Notification for People Age 62 or Older
You can designate a third party, such as a friend or relative, to receive any nonrenewal or cancellation notices you may receive for this policy. Any nonrenewal or cancellation notices would then be sent to both you and the person designated. In order to do this you must:

1. Notify us in writing by certified mail (return receipt requested) that you are designating a third party.
2. This notification must include a written acceptance by the third party designee. Designation as a third party does not constitute acceptance of any liability.
3. The effective date of the third party notification is ten days from the date of receipt by Parkway Insurance Company.
4. If the third party wishes to terminate this designation, he or she must do so in writing to both you and Fireman's Fund Insurance Company.