After 2 decades in the insurance profession, I’ve heard almost every question you can imagine. I get it, insurance can be very confusing and there are some questions that do seem to come up more than others. In no particular order, here they are:
Why are we going through my auto insurance when it's no fault of mine?
When it comes to navigating the complexities of auto insurance, the concept of "no fault" can be confusing. No-fault insurance, in essence, means that regardless of who's at fault in an accident, each party's own insurance covers their expenses. This system is designed to expedite claims processing and reduce litigation.
While it may seem frustrating when you're not at fault, your insurance company still plays a vital role in ensuring your claims are processed efficiently.
This arrangement ultimately helps all parties involved get back on the road quicker and lessens the burden on the legal system. So, even when it's not your fault, your auto insurance is there to provide the support and protection you need during challenging times.
Can I bundle my auto and homeowner's insurance together for deeper discounts?
Absolutely, and to the tune of a 38% savings! You’ll not only save money, but it also simplifies your insurance management, as you'll have a single point of contact for both your home and auto coverage.
Furthermore, bundling can enhance your overall coverage, providing added protection against various risks. It's a win-win situation for your finances and peace of mind.
Why shouldn't I work with an 800 number and pay less for my premium?
While 800-number insurance companies may offer lower premiums (and I would argue that isn’t always the case!), there are some important reasons to consider working with a local agent.
Local agents provide personalized, face-to-face service, understanding your unique needs and tailoring coverage accordingly. They can offer expert advice and guide you through the complexities of insurance, ensuring you have the right protection.
In case of a claim, a local agent can be a valuable advocate, whereas large companies may prioritize cost-cutting. Additionally, at the time of a claim do you want to speak and restate your claim 14 different times to 26 different people, or do you want to pick up the phone and say, "Hey Carmela it's me" and KNOW she knows who YOU are.
The 800 number is not reviewing your insurance annually to make sure you are maximizing discounts. And the 800 number is not making a difference in the local community like our team.
As you can tell, I’m adamant about this one!
I enjoy answering questions and educating people about how they can best protect themselves and their family. No question is “stupid” and it’s important to feel confident about the coverage you have.
Reach out if I can assist in any way.