The Daily Star, Oneonta, NY - otsego county news, delaware county news, oneonta news, oneonta sports

Breaking News

Columns

March 16, 2013

A flesh-and-blood expert won't hoodwink you

The commercials are funny and all, but if you really stop and think about it, insurance is anything but a laughing matter. Fifteen minutes could save you a few dollars but have you ever thought about what that same 15 minutes could cost you?

The trouble is; it’s too late once the time of loss comes. Many of us consider insurance to be more of a tax. We must have it to drive down the road or qualify for a mortgage to buy a home. It seems the purpose of having insurance has been left at the curb along with milk delivery, party lines and shoulder pads.

To make you whole again — that is the purpose of insurance. To replace what was lost. In those same 15 minutes you can do a lot of things. You can make a batch of cookies, pay a bill, read the newspaper or check your email.

Do you think really think you’ll have purchased the coverage you will need? Do you think 15 minutes is all the time you should commit to covering your property and liability exposures? What happens when you’ve had an accident and there is no one but a stranger three states away to assist you? Are they familiar with your situation or do you have to explain yourself each time you call in for assistance?

What happens if you aren’t happy with the settlement they offer you at the time of loss? What if you feel they’ve under-valued your vehicle? With direct carriers, you’re literally at the mercy of a 1-800 number. Will there be anyone you can talk to in person? Those fifteen minutes cost you a very important person who was included on that “older, more expensive” policy — an advocate.

That’s right — your insurance agent is your advocate. Anyone who has ever worked with a professional agent can appreciate the value that they bring to the table. There is a physical person to help you from start to finish. It starts with quotes, but we’re here to assist you through the claims process, help with billing questions and looking out for you.

Text Only
Big Chuck D'Imperio
Cary Brunswick

Chuck Pinkey
Guest Column

Lisa Miller

Mark Simonson

Rick Brockway

Sam Pollak
William Masters
  • Schreibman tops Chris Gibson on women's issues

    As the time to vote draws near, we need to remember how money can run politics more than we can. Raising funds is a prominent (if not the dominant) task of getting elected. Raising issues is also crucial, but those efforts are subject to distortion and fear-mongering.

    September 18, 2012

  • Republicans feelentitled to allthey can garner

    An entitlement is a legal benefit available from the government to individuals who are within a defined category of recipients, such as needing insurance for unemployment or health services.

    September 4, 2012

  • Romney focuses on self; Obama emphasizes unity

    Mitt Romney criticizes President Obama for saying a person's success is rooted in his community, and is not all his alone. Romney belittles this with his belief in individual initiative. He is better at the put-down than the push-up.

    August 21, 2012

  • Romney shows little regard for common man

    The Republicans in Congress have voted over and over, 33 times, redundantly and uselessly, to rescind what they call Obamacare.

    August 7, 2012

  • Scouts' gay ban creates problem where none exists

    The Boy Scouts of America's "emphatic reaffirmation" of its vow to exclude any and all homosexuals from its hallowed ranks is ill-considered and pathetic, especially in view of its having reviewed the matter for two years.

    July 24, 2012

Additional Content
Join the Debate
Helium
Additional Resources
CNHI News Service
Poll

Is Israel justified to conduct its military campaign against the Hamas in Gaza?

Yes
No
Undecided/no opinion
     View Results