These are just some of the questions every Independent Agent must ask when entering into business with a carrier. The most important asset your agency has is the ownership of its book of business.
Trust Accounts in Arizona. Talk about a close call.
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Here's one from the Arizona files of close calls. One of our members, lets call him Mr.
What is Business Car Insurance? | Business Insurance | Keith Michaels Insurance
Lucky, had a large personal lines client with a teenage son. As fate would have it, the son accumulated a driving record that was absolutely horrible. The parents had significant wealth, and carried very high liability limits to protect that wealth. Due to the son's age, driving record, and type of vehicle the auto liability premiums were very high.
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Due to a suggestion of a family friend, the Dad re-titled the vehicle in the son's name, deleted coverage from the family's auto insurance, and had the son secure his own policy from a specialty auto insurance carrier who provided only minimum financial responsibility limits. The Dad felt that the son had no assets to protect, so it was not important to have limits in excess of the financial responsibility requirement.
To prevent the family's insurance carrier from charging a higher premium for the son's driving record, the Dad agreed to and did in fact sign a Driver Exclusion" on the family's auto policy. It is important to understand that the son still lived in the same household, and frequently used his own car to run errands for the family. The family not only provided the vehicle to the son, but the family maintained the vehicle for the son's use to attend a local university.
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The most common errand was taking his siblings to and from school, and occasionally doing shopping for the family's groceries. When on a mission for the family the son had an at-fault accident, and injured another driver. There are different laws to comply with and different types of coverages to choose. With Liability limits, Uninsured Motorists, Rental Reimbursement, Towing and Labor, Comprehensive, Collision, and Medical coverages to choose from it may be easy to make simple mistakes that can hurt you financially if you do not have the right coverage.
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Or, Retrieve a Quote! Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below. For peace of mind…buy from your local insurance agent! And while securing affordable auto insurance is the goal—getting Superior Auto Insurance is the dream come true. In addition to wading through the many laws you must comply with, your agent can help you consider the different types of coverage you can select to help safeguard your financial future.
From Liability limits, Uninsured Motorists, Rental Reimbursement, Towing and Labor, Comprehensive, Collision, and Medical coverage, you have many angles, risks and costs to consider—and just one wrong decision can affect your finances for years to come.