If you drive a car, you have to have auto insurance. You only have minimum insurance requirements to meet, but no matter how extensive or limited your policy may be, you will want to deal with a good company. There are several clues you might notice that let you know it is time to change to a different auto insurance carrier.
1. The company does not pay claims for covered incidents. There will always be times when your claims will not qualify for payment. However, if there is no good reason to deny your claim, you should expect it to be paid. When an auto insurance company leaves you out in the cold, it is time to return the favor.
2. Claims are paid, but not in a timely manner. There is no excuse for a company that drags its heels in paying you the settlement you need to repair you car or take car of medical bills. With the advent of computer and Internet technology, claims should be quick and easy.
3. You discover that your payments are not being recorded quickly. This can be a serious situation for you. If your premium payments are not entered into their system as soon as they are made, you might get stuck with a huge repair bill or even a liability lawsuit for which you have no coverage. Some companies have even been known to "lose" checks that they have not entered if an accident happens soon after payment day.
4. The premiums are just too high. You might be able to search around and find another auto insurance company that will give you a better price. It does not hurt to look, and if you let your insurance company know you are considering changing they may try harder to help you.
5. You get an uncalled-for premium increase. If your risk has not increased and nothing else has changed, you have every right to demand an answer as to why the company raised your rates. If they do not give you a satisfactory answer, go elsewhere.
6. The agent will not help you. Agents generally get very little compensation for renewal policies. This leads many short-sighted agents to ignore their loyal clients. If your agent refuses to take the time to adequately service your account, or is just plain rude to you, move on to someone who will treat you better.
When your auto insurance carrier treats you right and offers you all the benefits you are paying for, you can stay with that company happily. However, if you are having problems getting the respect and service you need, it is time to make a change.
If you are looking for quality auto insurance in La Habra, the La Habra Insurance Agency is one company that you can call on with confidence. In addition to their reliable service, they offers several kinds of insurance so that can meet your home, life and recreation vehicle needs along with your car in one place. Visit http://lahabrainsurance.com for more information on their service. Billings Farnsworth is a freelance writer. |
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