Why buy auto insurance from our agency?  We always see commercials trying to convince you that they can save you this or that.  Or other commercials offering great discounts.  The bottom line when it comes to your auto insurance policy is protection.  What do you want to protect?  Are you just wanting the state minimum so you can drive legally, or do you want coverage to protect your assets in the case that you are liable in an accident?


Years ago I had a client that I had talked with a few times about increasing their liability coverage.  They had assets and made good money.  I couldn't talk them into purchasing a higher liability limit.  Unfortunately their daughter was at fault in an accident.  There were two others that were critically injured in the accident and there was one that was killed.  I received the call from the client and of course he was very shaken by the situation.  He asked what was going to happen.  I explained the claims process and that he was going to receive a letter from the insurance company that would tell him to get legal representation because they were going to pay the limits on the policy and he would be responsible for the rest. 


As your insurance agent we are going to talk about protecting your assets and future income.  We want you protected so you don't have to worry when you have a claim. 


I've been an insurance agent in Surprise, AZ since 2001.  Serving the insurance needs of the Surprise area and northwest valley.  Please give us a call for your insurance needs.  623-876-1793

Comments

Post a Comment

Popular posts from this blog

Why UM/UIM Insurance Coverage Is Important

Image
One of the most overlooked, but probably the most important coverage on your auto insurance is the UM/UIM coverage.   Why is it important?   UM/UIM coverage goes to cover your medical bills, rehabilitation, and loss of work if someone injures you in an auto accident and they don’t have insurance or enough liability insurance to cover your bills.     In AZ it is estimated that 12% of the people driving on the streets don’t have auto insurance according to an  insurancejournal.com report.   That is about the same as the national average.   On top of that there are a lot of people driving around with state minimum coverage or one step above state minimum.   If there is a major accident this coverage isn’t going to cover everything.         Just to give an example this story from azfamily.com is about a teacher whose son was hit in an auto accident.   He has had to stay in the hospital for a while and the medical bills, rehabilitation, and loss of work is going to get very expe
Read more

Have You Committed Insurance Fraud?

Image
I’m an honest person so there’s no way that I would commit insurance fraud!!!!  That’s how most of us feel.  I know most people are honest and they wouldn’t think of doing something like insurance fraud.  Insurance fraud cost consumers about $40 billion a year according to FBI statistics .  That cost to every family in the U.S. $400 - $700 a year.  There are two types of fraud.  One is called hard insurance fraud and the other is soft insurance fraud.  Hard insurance fraud is committed by people that scheme against the insurance company for profit.  Some examples of this would be. 1.       Someone that files a theft claim and declare items stolen that weren’t. 2.       Setting fire to a vehicle to get the full payout.  3.       Someone that fakes an injury to be able to not work and get paid. 4.       Agent takes money for a policy but never issues the policy. 5.       Stage an accident to collect medical payments. Soft fraud is more common and people do it wit
Read more
Image
Congratulations to the High School Graduates!!!!!   It’s that time of year that every high school is having their graduation ceremonies.   It’s an exciting time that the end of the year and primary schooling is done.   For some it is the beginning of their college years.   Not all kids and parents can afford to pay for the college up front.   Some have to take out student loans to fund their child’s college education.   Below are some thoughts as students prepare themselves this summer to attend college.          Life Insurance   Students for the most part are not in a position of having someone dependent on them.  But it’s a good idea to have some sort of life insurance for the following reasons.  1.       Any student loan that the parent co-signs could be a debt that would have to be paid in case of the death of the student. 2.       Having money for burial expenses in case of the death of the student.  3.       This will
Read more