{"id":1160,"date":"2026-10-04T15:13:27","date_gmt":"2026-10-04T19:13:27","guid":{"rendered":"https:\/\/gogreeninsurance.com\/?page_id=1160"},"modified":"2026-10-04T15:13:27","modified_gmt":"2026-10-04T19:13:27","slug":"faqs","status":"publish","type":"page","link":"https:\/\/gogreeninsurance.com\/es\/faqs\/","title":{"rendered":"Insurance Questions, Answered"},"content":{"rendered":"<style>\r\n#post-1160 .entry-content,\r\n#post-1160 article,\r\n#post-1160 .site-main,\r\n#post-1160 #primary,\r\n#post-1160 .content-area,\r\n#post-1160 .ast-container {\r\n  padding: 0 !important;\r\n  margin: 0 !important;\r\n  max-width: 100% !important;\r\n  width: 100% !important;\r\n}\r\n#post-1160 .entry-content > * {\r\n  max-width: 100% !important;\r\n}\r\nbody.page-id-1160 .gi-ap {\r\n  width: 100% !important;\r\n  max-width: 100% !important;\r\n}\r\n<\/style>\r\n\r\n\r\n<div class=\"gi-ap\">\r\n<div class=\"gi-ap-hero\" style=\"min-height:320px;align-items:center;justify-content:flex-start;padding:60px 80px;\">\r\n<div class=\"gi-ap-hero-l\" style=\"max-width:680px;\">\r\n<div class=\"kick\">Frequently Asked Questions<\/div>\r\n<h1 data-en=\"Insurance Questions, Answered\" data-es=\"Preguntas sobre Seguros, Respondidas\">Insurance Questions, Answered<\/h1>\r\n<a href=\"\/contactenos\/\" class=\"gi-btn gi-btn-primary\" style=\"display:inline-flex;align-items:center;gap:8px;margin-top:20px;padding:16px 32px;font-size:16px;font-weight:700;border-radius:8px;background:#fff;color:#1a6b3a;text-decoration:none;\" data-en=\"Get a Free Quote \u2192\" data-es=\"Obt\u00e9n tu Cotizaci\u00f3n Gratis \u2192\">Get a Free Quote \u2192<\/a>\r\n<\/div>\r\n<\/div>\r\n<div class=\"gi-sec alt\">\r\n<div class=\"gi-faq\">\r\n<details open><summary data-en=\"Is Green Insurance an insurance company?\" data-es=\"\u00bfGreen Insurance es una compa\u00f1\u00eda de seguros?\">Is Green Insurance an insurance company?<\/summary><div class=\"ans\" data-en=\"No. Green Insurance is an independent insurance agency. We are licensed to sell policies from more than ten A+ rated carriers. The carrier issues and pays the policy; we help you choose it and we stay with you afterward.\" data-es=\"No. Green Insurance es una agencia de seguros independiente. Tenemos licencia para vender p\u00f3lizas de m\u00e1s de diez aseguradoras calificadas A+. La aseguradora emite y paga la p\u00f3liza; nosotros te ayudamos a elegirla y seguimos contigo despu\u00e9s.\">No. Green Insurance is an independent insurance agency. We are licensed to sell policies from more than ten A+ rated carriers. The carrier issues and pays the policy; we help you choose it and we stay with you afterward.<\/div><\/details>\r\n<details><summary data-en=\"Does it cost anything to use an agent?\" data-es=\"\u00bfCuesta algo usar un agente?\">Does it cost anything to use an agent?<\/summary><div class=\"ans\" data-en=\"No. You pay the same premium whether you buy through us or directly from the carrier. We are paid by the carrier, not by you.\" data-es=\"No. Pagas la misma prima si compras con nosotros o directamente con la aseguradora. A nosotros nos paga la aseguradora, no t\u00fa.\">No. You pay the same premium whether you buy through us or directly from the carrier. We are paid by the carrier, not by you.<\/div><\/details>\r\n<details><summary data-en=\"What states do you cover?\" data-es=\"\u00bfQu\u00e9 estados cubren?\">What states do you cover?<\/summary><div class=\"ans\" data-en=\"Life, health, dental and commercial insurance: all 50 states. Auto insurance: 18 states \u2014 Florida, Indiana, Maryland, Montana, Texas, Illinois, Pennsylvania, Alabama, New Jersey, Iowa, Michigan, Georgia, South Carolina, Idaho, Nebraska, Oregon, Minnesota and Missouri.\" data-es=\"Seguro de vida, salud, dental y comercial: los 50 estados. Seguro de auto: 18 estados \u2014 Florida, Indiana, Maryland, Montana, Texas, Illinois, Pensilvania, Alabama, Nueva Jersey, Iowa, M\u00edchigan, Georgia, Carolina del Sur, Idaho, Nebraska, Oreg\u00f3n, Minnesota y Misuri.\">Life, health, dental and commercial insurance: all 50 states. Auto insurance: 18 states \u2014 Florida, Indiana, Maryland, Montana, Texas, Illinois, Pennsylvania, Alabama, New Jersey, Iowa, Michigan, Georgia, South Carolina, Idaho, Nebraska, Oregon, Minnesota and Missouri.<\/div><\/details>\r\n<details><summary data-en=\"Do I have to come to an office?\" data-es=\"\u00bfTengo que ir a una oficina?\">Do I have to come to an office?<\/summary><div class=\"ans\"><span data-en=\"No. Everything can be done online or by phone. We have \" data-es=\"No. Todo se puede hacer en l\u00ednea o por tel\u00e9fono. Tenemos \">No. Everything can be done online or by phone. We have <\/span><a href=\"\/locations\/\" style=\"color:#1a6b3a;font-weight:700;text-decoration:none;\" data-en=\"five offices in Georgia\" data-es=\"cinco oficinas en Georgia\">five offices in Georgia<\/a><span data-en=\" if you prefer in person.\" data-es=\" si lo prefieres en persona.\"> if you prefer in person.<\/span><\/div><\/details>\r\n<details><summary data-en=\"Do you have agents who speak Spanish?\" data-es=\"\u00bfTienen agentes hispanohablantes?\">Do you have agents who speak Spanish?<\/summary><div class=\"ans\"><span data-en=\"Yes. Native Spanish-speaking agents handle the entire process \" data-es=\"S\u00ed. Agentes hispanohablantes nativos atienden todo el proceso \">Yes. Native Spanish-speaking agents handle the entire process <\/span><a href=\"\/es\/\" style=\"color:#1a6b3a;font-weight:700;text-decoration:none;\" data-en=\"in Spanish\" data-es=\"en tu idioma\">in Spanish<\/a><span data-en=\", including the policy documents and claims.\" data-es=\", incluidos los documentos de la p\u00f3liza y los reclamos.\">, including the policy documents and claims.<\/span><\/div><\/details>\r\n<details><summary data-en=\"How long does a quote take?\" data-es=\"\u00bfCu\u00e1nto tarda una cotizaci\u00f3n?\">How long does a quote take?<\/summary><div class=\"ans\" data-en=\"Auto and dental are usually same day. Health depends on whether you are in an enrollment period. Life depends on the coverage amount and whether the carrier requires medical underwriting.\" data-es=\"El seguro de auto y el dental suelen cotizarse el mismo d\u00eda. El de salud depende de si est\u00e1s en un per\u00edodo de inscripci\u00f3n. El de vida depende del monto de cobertura y de si la aseguradora exige evaluaci\u00f3n m\u00e9dica.\">Auto and dental are usually same day. Health depends on whether you are in an enrollment period. Life depends on the coverage amount and whether the carrier requires medical underwriting.<\/div><\/details>\r\n<details><summary data-en=\"Can I get health insurance if it is not Open Enrollment?\" data-es=\"\u00bfPuedo obtener seguro de salud fuera de la Inscripci\u00f3n Abierta?\">Can I get health insurance if it is not Open Enrollment?<\/summary><div class=\"ans\"><span data-en=\"Only with a \" data-es=\"Solo con un \">Only with a <\/span><a href=\"\/health-insurance\/\" style=\"color:#1a6b3a;font-weight:700;text-decoration:none;\" data-en=\"Special Enrollment Period\" data-es=\"Per\u00edodo de Inscripci\u00f3n Especial\">Special Enrollment Period<\/a><span data-en=\", triggered by a life event such as losing job-based coverage, marriage, a birth, or a move. You generally have 60 days from the event.\" data-es=\", activado por un evento de vida como perder la cobertura del empleo, un matrimonio, un nacimiento o una mudanza. Generalmente tienes 60 d\u00edas desde el evento.\">, triggered by a life event such as losing job-based coverage, marriage, a birth, or a move. You generally have 60 days from the event.<\/span><\/div><\/details>\r\n<details><summary data-en=\"Can I get life insurance without a medical exam?\" data-es=\"\u00bfPuedo obtener un seguro de vida sin examen m\u00e9dico?\">Can I get life insurance without a medical exam?<\/summary><div class=\"ans\"><span data-en=\"Some carriers offer \" data-es=\"Algunas aseguradoras ofrecen \">Some carriers offer <\/span><a href=\"\/life-insurance\/\" style=\"color:#1a6b3a;font-weight:700;text-decoration:none;\" data-en=\"coverage with no exam\" data-es=\"cobertura sin examen\">coverage with no exam<\/a><span data-en=\", up to certain amounts and age limits. Whether you qualify depends on your age, the amount and your health history. Ask us and we will tell you which carriers will consider you.\" data-es=\", hasta ciertos montos y l\u00edmites de edad. Que califiques depende de tu edad, del monto y de tu historial de salud. Preg\u00fantanos y te diremos qu\u00e9 aseguradoras te considerar\u00edan.\">, up to certain amounts and age limits. Whether you qualify depends on your age, the amount and your health history. Ask us and we will tell you which carriers will consider you.<\/span><\/div><\/details>\r\n<details><summary data-en=\"Can I get insurance without a Social Security number?\" data-es=\"\u00bfPuedo obtener un seguro sin n\u00famero de Seguro Social?\">Can I get insurance without a Social Security number?<\/summary><div class=\"ans\"><span data-en=\"For auto insurance, several of the carriers we represent accept an ITIN or a foreign license. Which ones and under what conditions depends on the state. Ask us before you assume you cannot get covered. For health insurance, eligibility depends on immigration status. Lawful permanent residents and other lawfully present immigrants can\" data-es=\"Para el seguro de auto, varias de las aseguradoras que representamos aceptan un ITIN o una licencia extranjera. Cu\u00e1les y bajo qu\u00e9 condiciones depende del estado. Preg\u00fantanos antes de asumir que no puedes asegurarte. Para el seguro de salud, la elegibilidad depende del estatus migratorio. Los residentes permanentes legales y otros inmigrantes con presencia legal pueden\">For auto insurance, several of the carriers we represent accept an ITIN or a foreign license. Which ones and under what conditions depends on the state. Ask us before you assume you cannot get covered. For health insurance, eligibility depends on immigration status. Lawful permanent residents and other lawfully present immigrants can<\/span> <a href=\"\/es\/seguro-medico-residentes\/\" style=\"color:#1a6b3a;font-weight:700;text-decoration:none;\" data-en=\"enroll in Marketplace coverage\" data-es=\"inscribirse en la cobertura del Mercado de Seguros\">enroll in Marketplace coverage<\/a><span data-en=\".\" data-es=\".\">.<\/span><\/div><\/details>\r\n<details><summary data-en=\"What do I need to get an auto quote?\" data-es=\"\u00bfQu\u00e9 necesito para cotizar un seguro de auto?\">What do I need to get an auto quote?<\/summary><div class=\"ans\" data-en=\"Your driver&#x27;s license or ITIN, the year, make and model of the vehicle, the address where it is parked, and the names of anyone else who drives it.\" data-es=\"Tu licencia de conducir o ITIN, el a\u00f1o, la marca y el modelo del veh\u00edculo, la direcci\u00f3n donde se estaciona y los nombres de cualquier otra persona que lo maneje.\">Your driver&#8217;s license or ITIN, the year, make and model of the vehicle, the address where it is parked, and the names of anyone else who drives it.<\/div><\/details>\r\n<details><summary data-en=\"What is the minimum auto coverage I need?\" data-es=\"\u00bfCu\u00e1l es la cobertura m\u00ednima de auto que necesito?\">What is the minimum auto coverage I need?<\/summary><div class=\"ans\" data-en=\"It depends on the state, and the state minimum is often not enough to protect you. Texas requires 30\/60\/25. Florida requires only $10,000 PIP and $10,000 property damage, and does not require bodily injury coverage at all. We will tell you what your state requires and what we would actually recommend.\" data-es=\"Depende del estado, y el m\u00ednimo estatal muchas veces no basta para protegerte. Texas exige 30\/60\/25. Florida exige solo $10,000 de PIP y $10,000 de da\u00f1os a la propiedad, y no exige cobertura de lesiones corporales. Te diremos qu\u00e9 exige tu estado y qu\u00e9 recomendar\u00edamos realmente.\">It depends on the state, and the state minimum is often not enough to protect you. Texas requires 30\/60\/25. Florida requires only $10,000 PIP and $10,000 property damage, and does not require bodily injury coverage at all. We will tell you what your state requires and what we would actually recommend.<\/div><\/details>\r\n<details><summary data-en=\"Can I bundle policies?\" data-es=\"\u00bfPuedo agrupar mis p\u00f3lizas?\">Can I bundle policies?<\/summary><div class=\"ans\" data-en=\"Yes, and it often lowers the total. Because we are independent, we can also split your policies across different carriers when that is cheaper than bundling \u2014 which is something a captive agent cannot do.\" data-es=\"S\u00ed, y muchas veces baja el total. Como somos independientes, tambi\u00e9n podemos repartir tus p\u00f3lizas entre distintas aseguradoras cuando sale m\u00e1s barato que agruparlas, algo que un agente cautivo no puede hacer.\">Yes, and it often lowers the total. Because we are independent, we can also split your policies across different carriers when that is cheaper than bundling \u2014 which is something a captive agent cannot do.<\/div><\/details>\r\n<details><summary data-en=\"What happens if I have a claim?\" data-es=\"\u00bfQu\u00e9 pasa si tengo un reclamo?\">What happens if I have a claim?<\/summary><div class=\"ans\" data-en=\"Call us. We are the ones who walk you through it. You are not starting over with a call center that has never heard of you.\" data-es=\"Ll\u00e1manos. Nosotros te acompa\u00f1amos en el proceso. No empiezas de cero con un call center que nunca ha o\u00eddo hablar de ti.\">Call us. We are the ones who walk you through it. You are not starting over with a call center that has never heard of you.<\/div><\/details>\r\n<details><summary data-en=\"How do I cancel or change a policy?\" data-es=\"\u00bfC\u00f3mo cancelo o cambio una p\u00f3liza?\">How do I cancel or change a policy?<\/summary><div class=\"ans\" data-en=\"Call your office directly or 1 (833) 224-5168. Do not stop paying to cancel a policy \u2014 a lapse in coverage can raise your rate for years and, for auto, can carry a state penalty.\" data-es=\"Llama directamente a tu oficina o al 1 (833) 224-5168. No dejes de pagar para cancelar una p\u00f3liza: un vencimiento de cobertura puede subir tu tarifa por a\u00f1os y, en auto, puede acarrear una multa estatal.\">Call your office directly or 1 (833) 224-5168. Do not stop paying to cancel a policy \u2014 a lapse in coverage can raise your rate for years and, for auto, can carry a state penalty.<\/div><\/details>\r\n<\/div>\r\n<\/div>\r\n<div class=\"gi-cta\">\r\n<h2 data-en=\"Still have a question?\" data-es=\"\u00bfTodav\u00eda tienes una pregunta?\">Still have a question?<\/h2>\r\n<p><span data-en=\"Call 1 (833) 224-5168 or \" data-es=\"Llama al 1 (833) 224-5168 o \">Call 1 (833) 224-5168 or <\/span><a href=\"\/contact-us\/\" style=\"display:inline;background:none;padding:0;border-radius:0;font-size:inherit;font-family:inherit;color:#fff;font-weight:700;text-decoration:underline;\" data-en=\"send it to us\" data-es=\"env\u00edanos tu pregunta\">send it to us<\/a><span data-en=\" and a licensed agent answers.\" data-es=\" y un agente con licencia te responde.\"> and a licensed agent answers.<\/span><\/p>\r\n<a href=\"\/contactenos\/\" data-en=\"Get a Free Quote \u2192\" data-es=\"Obt\u00e9n tu Cotizaci\u00f3n Gratis \u2192\">Get a Free Quote \u2192<\/a>\r\n<\/div>\r\n<\/div>\r\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"@id\": \"https:\/\/gogreeninsurance.com\/faqs\/#faq\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Is Green Insurance an insurance company?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No. Green Insurance is an independent insurance agency. 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