car insurance - DeKok Insurance Group, Inc.

Clients often ask, “How will this auto insurance claim impact my insurance premium?” Your concern is a valid one, and I want you to know that as an independent insurance agent, you have options.

There are many types of auto insurance claims. They range from small ones like “Roadside Assistance” all the way to “Bodily Injury Liability”. Most insurance companies increase your premium if you have a chargeable claim (where you are are considered “at-fault), and the damage goes above their threshold. Some companies will forgive this surcharge if you have been insured with them 3 to 6 years.

One of the popular endorsements that many insurance companies now offer is designed to give you peace of mind concerning turning in an auto insurance claim.

This coverage has different names depending on your company. It is accident forgiveness and minor violation forgiveness coverage. This endorsement protects you from an increase in your auto insurance due to a chargeable accident and/or a minor violation. Typically this is based on a three-year term.

Check your coverage to see if you have this coverage, or feel free to call me at 507-226-8121 or email me at [email protected] for a review.

Sincerely,

Jon DeKok

DeKok Insurance Group, Inc.

DeKok Insurance Group, Inc. Referral Program: When you tell your family and friends about your positive experience with my agency, and they call for a quote, I’ll send YOU a $20 gift card.

[tweetthis]Claims & premiums #AccidentForgiveness #AutoInsurance #IndependentAgent[/tweetthis]

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First to answer this question we need to know, better coverage than what? What I mean is better coverage than you now have.

On auto insurance, it might be the right thing to look at what limits of coverage you have if you are at fault in an accident and someone sues you. This coverage is Bodily Injury and Property Damage liability. If you currently have a $100,000 limit and your total assets are worth more than that, better coverage (like higher limits), could save you a lot of heartaches later.

On your homeowners insurance, it may be making sure your dwelling limit is protected by having increased replacement cost coverage. It could also be having special form (all risk) coverage on your personal property as well as your dwelling. Do you have coverage if the sewer or drain backs up? If so, what limit have you chosen? Are your firearms covered at a high enough limit? Most companies limit coverage for firearms without an endorsement. Safeco Insurance does not limit coverage for your firearms (other than the total personal property limit).

Please call, email me, or stop in. I will be happy to go over the coverage you now have and suggest area’s where it may be important to have better coverage.

Jon

Email: [email protected]

Phone 507-226-8121

Better coverage. Better prices .

Jon DeKok has been serving insurance clients for over 30 years. He specializes in home, auto, umbrella, recreational vehicle, business, and life insurance. He is licensed in the state of Minnesota.

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Fear of Turning in an Auto Insurance Claim

Is It Important to Have Better Coverage?