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Guest Column

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.

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