The auto insurance marketplace is confusing and counterintuitive. You need a brokerage that can help you to clarify the difference between policies and guide you to the best deal.
The auto insurance TV ads would lead you to believe there are many choices and polices that could work for you. But once you understand what is really going on, you will see that is not the case.
Our clients are surprised to learn that some auto policies generously specify the value of your vehicle in advance so, if your car is “totaled,” the insurance company will pay it off to you in full. Meanwhile, other policies will only pay you a disappointingly depreciated low “blue book” value when your car is “totaled.”
Some auto policies guarantee your car will be repaired with original manufacturer parts while others allow use of cheaper aftermarket parts. Some auto policies have the right to force a body shop to repair a damaged body part rather than replace it with a new part.
These are just a few of many examples of how auto policies that may look similar on the surface are really very different. You deserve a broker who can explain the important details of what your policy covers so you don’t have an unpleasant surprise if you should have a claim.
Auto insurance customers can be divided into two basic categories: those who seek a minimum coverage policy to comply with the law and those who seek to properly protect their automobiles, passengers and legal liability exposures. If you fit the 2nd description, we are a great brokerage for you.
PNL Insurance Services will make sure you are covered correctly and explain the coverage terms in your policy in a way that will make it understandable. When you need support for a claim, you will have a real professional advocating for you. Our brokerage writes policies with top rated carriers such as Safeco, Liberty Mutual, Chubb, AIG, Travelers, and The Hartford. Please call or e-mail us if you would like to discuss your insurance needs.