What Makes a Great Insurance Agent?

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What Makes a Great Insurance Agent?

When you are shopping for any type of insurance, you are going to want the help and advice of someone who understands the insurance business and who is truly interested in helping you protect yourself rather than making the most money. Unfortunately some insurance agents are in the business for their own benefit and will not tell you when you are paying too much or are buying insurance that you simply don't need. I am a former insurance agent, and I have seen the best and worst. This blog is about noticing red flags when it comes to sneaky insurance sales people and about finding the signs of a truly good agent.


Auto Insurance Questions And Answers You May Need To Learn

Whenever you drive a car, you will be put at risk of experiencing an accident. An automobile insurance policy will offer protection against many of the financial costs that can follow one of these accidents. Yet, auto insurance is a frequently misunderstood topic, and this can leave individuals exposed to a higher risk of being underinsured.

Why Should You Buy More Than Liability Only Auto Insurance Coverage?

Each state will have its own rules when it comes to the amount of auto insurance that a driver is legally obligated to carry. Unfortunately, individuals will often assume that the legally required amount of insurance coverage is all that they need. Yet, an auto accident can quickly surpass policy limits if the damage is extensive or individuals require medical care. This can be particularly true for those with serious injuries as a single surgery may cost more than your policy coverage. If you choose to carry comprehensive insurance that has personal injury coverage, you will be far better protected against the potential liabilities that can follow a serious accident.

How Does An Auto Insurance Gap Addendum Work?

In the event that your car suffers major damage, it is possible for the insurance company to declare the vehicle a total loss rather than pay for repairs. When this happens, you will be given a settlement for the value of the car. However, this may not always be enough to pay off the remaining balance on the car loan. To avoid finding yourself in this difficult situation, you can add gap coverage to your policy. This type of coverage will pay the difference in the event that the settlement does not cover your outstanding loan balance.

Will You Need One Policy For All Of Your Vehicles?

It is common for individuals to own multiple vehicles, and this can be particularly common for those that will need both a work and personal vehicle. In these situations, some people will assume that they will only need a single insurance policy for all of their vehicles. However, this is far from reality as each insurance policy is tied to the vehicle. As a result, you will need to have a separate policy for each vehicle you own. Also, you may need to have a separate commercial auto insurance policy if you use your vehicle for work. If it is discovered that you are using a personal vehicle for commercial purpose, your standard auto insurance may not cover these accidents, but investing in an additional commercial policy will ensure you are protected whether you are using your vehicle for work or personal reasons.

For more information, contact a business like Angel Auto Insurance.