NLIC.org

Irma Said:

If you are not happy with an Auto Insurance agency can you transfer to the same company to another agent?

We Answered:

Yes, I've done this. You keep the same everything. You call the new agency, they'll give you a broker of record letter, and as of the policy renewal date, it will renew with the new agent.

Virginia Said:

What does without prejudice mean when it comes to an auto insurance agency.?

We Answered:

This is why I have a replacement transportation rider on my policy. On the 3rd day after reporting theft, I am entitled to a rental even if the matter is still being investigated. I also am entitled to a rental immediately after an accident provided I have made a report to the company (day-time) or the police (after hours).
There is no argument, no pleading, no problem, unless, of course, police investigation does implicate me in a fraud. Needless to say, I have no worries.

Insurance companies are always obligated to investigate accidents, thefts, etc, especially in this day of hundreds of millions of dollars of attempted insurance fraud.

Dana Said:

What is the cheapest auto insurance agency/policy in Phoenix?

We Answered:

There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!

Scott Said:

What do you have to have to start a No-Fault Auto Insurance Agency in Michigan?

We Answered:

A driver's liscence