Our clients are surprised to learn that some car insurance policies generously specify the value of your vehicle in advance. 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-low, depreciated “blue book” value when your car is totaled.
Some automobile insurance policies guarantee your car will be repaired using original manufacturer parts, while others allow use of cheaper aftermarket parts. Some car insurance policies include the right to force a body shop to repair a damaged body part rather than replace it with a new one.
These are just a few of many examples of how auto insurance policies that may look similar on the surface are really very different underneath. Working with a broker who can explain the important details of your policy coverage helps you avoid an unpleasant surprise if you make 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 adequate protection for their automobiles, passengers and liability exposures. If you fit the second description, PNL Insurance Services is a wise choice.
PNL Insurance Services will ensure you are covered correctly and will explain the coverage terms of your policy in a way that makes it understandable. When you need support for a car insurance claim, you will have real professionals advocating for you. Our brokerage writes policies with top-rated auto insurance carriers like Safeco, Liberty Mutual, Chubb, AIG, Travelers, and The Hartford. Please contact us if you would like to discuss your insurance needs.