Major Accidents: You should never neglect the worst-case scenario when selecting insurance. What if your car is totaled and needs to be replaced? If the accident is not your fault, the other driver's insurance (or your uninsured motorist coverage) will pay for the vehicle. But there are other situations and natural calamities that can also destroy your vehicle, and in those cases, you'll only be able to rely on your own insurance. In case such a situation arises, it is better to have enough coverage to fully repair or replace your vehicle.
The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles. 
Brokers are often able to get better rates on insurance policies for their clients than individuals buying insurance directly from the company. That is because insurance companies know that brokers have the experience to guide their clients to the right policies with the proper level of coverage. Policyholders who used brokers are less likely to make unnecessary claims or to be under insured, which ultimately saves the insurance companies money. The companies usually offer special broker pricing as a result — so that broker clients have lower cost options available to them. While agents may also get special pricing, they are working for the insurance company — not for you. A broker can offer a range of quotes from different insurers to give clients options that fit their needs and their budgets. This ability to shop for the best prices from a number of carriers typically saves clients who use brokers money.

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In 1886, Fredrick Fox, Sr., founded a Philadelphia Real Estate Brokerage. Realizing his buyers needed a convenient way to purchase insurance he added an Agency in 1906. From these humble beginnings, Trident Insurance Agency has grown to become one of the largest independently owned agencies in the U.S., and we continue to embrace our founder's dedication to professionalism and integrity.
Contingent commissions are controversial. For one thing, brokers represent insurance buyers. Some people contend that brokers shouldn't accept contingent commissions. Moreover, some brokers have collected contingent commissions without the knowledge of their clients. Another problem is that contingent commissions may give brokers (and agents) an incentive to steer insurance buyers into policies that are particularly lucrative for the broker. If agents and brokers accept contingent commissions, they should disclose this fact to policyholders.

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As an independent agency representing many companies, we can match your coverage requirements with just the right policy to fit your one of a kind situation and budget. When you have a claim, our experienced staff will be there for you with the personal attention you deserve. Our highly trained team of professionals will provide a level of service we believe is without equal in our area.

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Those on the hunt for corporate insurance will quickly discover that not only do countless plans exist, but so do a variety of different distribution channels in the market. There are insurance companies that you can buy from directly, agents who will sell plans on the insurers’ behalf, and brokers that search and compare coverage for you. When it comes to understanding why you might choose one option over the other, Pacific Prime has the information you’ll need to find out which fits best with your business’ needs. Read on to learn more about insurance brokers vs agents today.

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Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.

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The broker is supposed to represent his clients' best interests. Part of the broker's duty is to understand the situation, needs and requirements of the clients to find them the best insurance policy within their budget. Choosing the right insurance plan is quite complicated, and studies show that many people end up choosing a less than optimal plan when they solely rely on their own judgment.

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As one of the leading agencies in Northwest Ohio, we view ourselves as strongly committed to our clients, our company partners and our communities. Our agency offers a broad range of insurance products and services, including auto, home, business, farm, health and life. We are aware that every individual, farm or business has unique insurance coverage needs.

All insurance brokerages in Australia must hold an Australian Financial Services (AFS) licence or be appointed as an authorised representative of an AFS licensee. Insurance brokers must comply with certain requirements under the Corporations Act 2001 (Cth), the Insurance Contracts Act 1984 (Cth), and the Insurance Brokers Code of Practice. The Australian Securities and Investments Commission ASIC) is the industry regulator that regulates the conduct of Australian Financial Services (AFS) licensees.

In their Medical Malpractice column, Thomas A. Moore and Matthew Gaier discuss several appellate decisions from the past year addressing the scope of discovery that may have significance for all litigants in personal injury and medical malpractice actions. While these decisions address a broad range of issues, there is an overriding theme involving the impact of advances in technology on discovery.

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LoanSolo.com is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. LoanSolo.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.
Because brokers work with a variety of insurance companies, they tend to have a broader understanding of companies’ offerings and key benefits. They are commission-based, which is a double-edged sword: they may be more motivated to earn your business year after year by getting you the best deal possible; or they may try to sell you a policy with unnecessary bells and whistles since that would pay them a higher commission. Regarding the double-edged sword: the best way to nail down the best deal possible is the annual review and re-shopping of coverage. The best way to avoid unnecessary “bells and whistles” is to remember that your needs guide what you purchase. If you don’t need “bells and whistles”, don’t purchase them. Approaching insurance this way is always the best way forward. Consider this: having options placed in front of you and explained in detail allows you the opportunity to hear about the newest “bells and whistles,” some of which may be just what you need or were looking for, but simply never asked about. Policies change, and new options are added by carriers all the time.
Because brokers work with a variety of insurance companies, they tend to have a broader understanding of companies’ offerings and key benefits. They are commission-based, which is a double-edged sword: they may be more motivated to earn your business year after year by getting you the best deal possible; or they may try to sell you a policy with unnecessary bells and whistles since that would pay them a higher commission. Regarding the double-edged sword: the best way to nail down the best deal possible is the annual review and re-shopping of coverage. The best way to avoid unnecessary “bells and whistles” is to remember that your needs guide what you purchase. If you don’t need “bells and whistles”, don’t purchase them. Approaching insurance this way is always the best way forward. Consider this: having options placed in front of you and explained in detail allows you the opportunity to hear about the newest “bells and whistles,” some of which may be just what you need or were looking for, but simply never asked about. Policies change, and new options are added by carriers all the time.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
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4 If your rental car were damaged in a covered loss, this coverage would provide additional protection under your policy’s Physical Damage Coverage (subject to deductible). We would pay the expenses to the rental agency for: loss of use (the rental agency’s loss of rental income); reasonable fees and charges (e.g., storage fees incurred by the rental agency); and loss of market value of the damaged rental.   Not available in NC.

Businesses face many risks in the form of liability and property damage among many other exposures depending on the industry. With our experience helping business owners all over the country, we can craft a custom insurance and risk management program to help your business navigate the uncertainties and challenges that could put you out of business. Whether you own a side business to keep you busy or are the risk manager for a Fortune 500 company, we have the tools and expertise to insure the continuation of your business.


There are a number of major trade organizations that support the interests and needs of the independent insurance agent, including Agents For Change,[3] The National Organization of Life and Health Agents (NOLHA),[4] the Independent Insurance Agents & Brokers of America (The Big "I"),[5] and the National Association of Professional Insurance Agents (PIA).[6]
You have likely come across brokerage firms when shopping for insurance. Many buyers prefer working with these firms as most have established track records with staff that offer the experiences and resources you need to make an informed decision. With a brokerage firm available to guide you and answer all of your questions, you can gain a solid understanding of what terms and rates are being offered by various insurers. Of course, not all insurance brokers offer the same level of quality. Just like shopping for insurance, it is important to shop around to find an insurance broker who you can trust.
Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender's policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

Erie is the cheapest insurance company, and arguably the most reliable insurance company as well. They score points by allowing customers to start their quote online, which we personally found to be a streamlined and fast process. Erie also scored the highest marks from the number of policies they offer. Erie offers pet coverage, free accident forgiveness, free vanishing deductibles, roadside assistance, and many more, essentially giving its customers a degree of flexibility not even found amongst the largest insurers. Customers of Erie may also be eligible for its Rate Lock program. This is a unique program where customers won't see their rates increase except for three reasons: you move to a different area, add or remove someone from your policy, or add or subtract a car. Lastly, despite its smaller size, Erie offers the same types of discounts larger national insurers provide such as bundling, anti-lock brakes, anti-theft, young driver and senior driver among others.


The broker is supposed to represent his clients' best interests. Part of the broker's duty is to understand the situation, needs and requirements of the clients to find them the best insurance policy within their budget. Choosing the right insurance plan is quite complicated, and studies show that many people end up choosing a less than optimal plan when they solely rely on their own judgment.

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Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.

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An agent or broker is a person or business who can help you apply for help paying for coverage and enroll in a Qualified Health Plan (QHP) through the Marketplace. They can make specific recommendations about which plan you should enroll in. They’re also licensed and regulated by states and typically get payments, or commissions, from health insurers for enrolling a consumer into an issuer's plans. Some brokers may only be able to sell plans from specific health insurers.
There are a number of major trade organizations that support the interests and needs of the independent insurance agent, including Agents For Change,[3] The National Organization of Life and Health Agents (NOLHA),[4] the Independent Insurance Agents & Brokers of America (The Big "I"),[5] and the National Association of Professional Insurance Agents (PIA).[6]
Uninsured Drivers: According to an Insurance Research Council (IRC) study, if someone is injured in an auto accident, the chances are about one-in-seven that the at-fault driver is uninsured. Don't trust other drivers and don't take for granted that they will have as good coverage as you do. Though it can be hard to digest that you must pay a premium and the deductible for someone else's mistake, it's better than forgoing this coverage and risking losing your vehicle.
Langlois Insurance Agency is a second-generation family business founded by Darrell L. Langlois in 1983. Matt Langlois joined forces with his father in 2000 and has been able to grow the agency by adding additional carriers and increasing agency staff, all in an effort to serve you better. Although we are growing, at our heart we are still a locally-owned and operated family business dedicated to providing friendly and professional service.

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With a wide range of personal and business coverage options and our friendly, licensed staff as guides, Abernathy Insurance makes choosing the right plan easier for you. We provide insurance throughout California and in other states. For value, ease and peace of mind, let Abernathy Insurance Agency be your “one stop” for comprehensive insurance solutions.
Once licensed, an insurance broker generally must take continuing education courses when their licenses reach a renewal date. For example, the state of California requires license renewals every 2 years, which is accomplished by completing continuing education courses. Most states have reciprocity agreements whereby brokers from one state can become easily licensed in another state. As a result of the federal Gramm-Leach-Bliley Act, most states have adopted uniform licensing laws, with 47 states being deemed reciprocal by the National Association of Insurance Commissioners. A state may revoke, suspend, or refuse to renew an insurance broker's license if at any time the state determines (typically after notice and a hearing) that the broker has engaged in any activity that makes him untrustworthy or incompetent.

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Many companies advertise free auto insurance quotes. Any car insurance quote you receive is and should be completely free. Insurance companies want to incentivize you to purchase a car insurance policy from them, so they’re not going to charge you for an upfront assessment (the quote). When shopping around for insurance, remember you can find free car insurance quotes from a variety of sources.

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