Frequently Asked Questions
Below are some of our frequently asked questions. If you have any other
questions or concerns, please feel free to contact us.
- How do I obtain a quote?
- How can I make a payment?
- How do I submit a claim?
- I always hear about minimum coverage on T.V. What is that all about?
- What is a deductible?
- How do I make a change to my policy?
- Can I review my policy?
- Is my credit checked for insurance rates? And, what is an insurance score?
- What are some common special items I need to ask about being insured on my package policy?
How do I obtain a quote?
Call or e-mail our office and one of our friendly staff will obtain the information required to complete your quote. We will contact with your quote information as soon as possible. We quote with numerous companies to find the best coverage, at the lowest cost.Back to TopHow can I make a payment?There are several convenient ways to make a payment.
You can mail the payment to the company in the envelope provided with your bill.
Some companies have a pay-by- phone option for checks or credit cards. Or you
can stop by our office during office hours to make your payment.Back to TopHow do I submit a claim?Progressive requires the policyholder
to contact them personally regarding any claim. You can contact Progressive
directly at (800) 274-4499. For any other company, please contact us by phone (740) 775-1143 to report
a claim. You can also go to our company page for a direct link to the
policyholder claim line offered by some companies. If possible, take measures to
minimize additional damage until further instruction from the company adjuster.
If you do not hear from the company in a timely manner, please follow-up by
contacting our office.Back to TopI always hear about minimum coverage on T.V. What is that all about?The State of Ohio requires car owners to
carry at least 12,5/ 25/ 7,5 coverage limits on each vehicle: $12,500 bodily
injury coverage per person- per accident/ $25,000 total bodily injury coverage
per accident/ $7,500 property damage per accident. Can you imagine hitting
another vehicle valued at $20,000 and only having $7,500 of coverage? Also, with
the rising cost of medical services, the limit amounts on your policy may
quickly be surpassed. You may be responsible for any remaining cost over your
coverage limits, putting your savings, home equity or personal assets at risk.
For your protection, we recommend carrying higher liability limits than the
state requires. If you carry a loan on a vehicle, the bank usually requires you
also carry comprehensive and collision coverage.Back to TopWhat is a deductible?The deductible is the amount you agree to pay out
of pocket for damage resulting from an accident or a specific loss claim.
Choosing a higher deductible will lower your premium. Be sure to choose an
amount you can afford to pay in the event of a claim.Back to TopHow do I make a change to my policy?Please stop by or contact our office (740)
775-1143 during business hours to report any changes you wish to make to any
policy. Please remember, some changes may affect the amount of premium charged
for that policy.
examples of these changes are listed below:
Back to TopCan I review my policy?It is important to review your policies and
coverage annually or when you have circumstances that may change your insurance
needs, i.e. marriages, divorces, driver status, teen drivers, title or deed
changes, additional purchases or sales such as jewelry or art, installing a
security system, job loss, etc. Reviewing your policies ensure your information
is current and adjustments can be made accordingly.Back to TopIs my credit checked for insurance rates? And, what is an insurance score?
- Changing coverage/ deductible limits
- Changing, adding or removing a vehicle
- Adding or removing drivers in the household
- Purchase or sale of homeowners rider items
An insurance score is a
rating computed and used by insurance companies. This scoring represents the
probability of a client filing an insurance claim during the coverage period.
The score is based on the client’s credit rating and will impact the coverage
premium cost. A higher score will result in lower premiums and a lower score
will result in higher premiums. We do not see your credit rating, only your
Back to TopWhat are some common special items I need to ask about being insured on my package policy?There are some types of coverage that may
not apply under a standard policy. Some examples of coverage include: rental
car, towing, gap, road- side assistance, sewer/ drain back- up, tree removal,
detached structures, off premise power surges, flood insurance coverage, and
valuable jewelry, art, guns or collections. Operating an at- home business,
covering non- family members personal property while residing in your home, and
coverage for your children’s personal property while at college are also special
circumstances that require special coverage.Back to Top