Financial Protection:

Unisured and Under-Insured Motorists are everywhere. Coverage for uninsured and underinsured motorists (UM/UIM) is a good idea. Despite Ohio's FR law, there remain thousands of unisured drivers. As many as 20 percent of Ohios drivers break the FR law. No matter how much insurance a driver has, there could be accidents where it is just not enough. As such, you can purchase UM/UIM coverage to financially protect yourself if this happens to you.

 

Claim Responsibilites:

What Are My Claims Responsibilities?

Never file phony, padded or fraudulent claims that ask the company to pay for losses that did not occur. Filing fraudulent claims is a crime and could land you in jail! It is your responsibility to promptly report any accidents or other losses to your insurance agent or company by following the procedures in your policy. You must provide all information requested by the company, agent or adjuster. Be aware of your rights under the policy and negotiate with the adjuster when you believe the settlement offer is below what the policy requires. Conversely, you may be required to pay for any losses that exceed the limits of your policy. It is also your responsibility to immediately inform the company of any claims or lawsuits that could require payment by your company.Claims are handled differently by various insurance companies.  Some claims adjusters do not want to pay for our level of service and accurate restoration.  They will probably tell you they can’t guarantee our work and that we are hard to deal with.  If standing up for our customers and demanding to be paid fairly means that we are hard to deal with, so be it.  Our customers trust us and we honor that trust.  Don’t be steered away from a top quality repair.