When you make a claim in Albertville, Minnesota on an auto insurance policy, you may decide at a later date that it was unnecessary. The problem is that you will need to withdraw your claim if you determine that the minor accident wasn’t worth making the claim or you are concerned about your monthly rate increasing.

Early Withdrawal

If you withdraw a claim on your policy before a check is issued by the company, then you will not usually have any problems making the change. Call the company and ask to withdraw your claim. It may take a few days to process the request, but it will usually stop the check from being issued in the first place.

Problems After Receiving a Check

After receiving the check from your insurer, the problem becomes more complicated. In some cases, you may discover that your insurer will not agree. Other insurers may allow you to withdraw your claim, but only after you return the funds that were issued.

Variation in Companies

Since the cover you obtain on an auto policy differs between companies and specific plans, each insurance provider will differ. The process and ability to withdraw a claim will vary due to the different standards each company sets up. In some cases, it may be a simple matter of calling the company while other situations are more complicated and will not give the same level of flexibility.

It is usually possible to ask an insurer to put a stop to any claim you make on the policy, but the number of complications and possible issues that arise will vary. In general, making a request early will simplify the process. To learn more about dealing with an insurance provider, contact us to talk to an independent agent.

When you make a claim on your auto insurance policy in Albertville, Minnesota, you may not always get the amount that you expect. Depending on the situation, your claim and your current policy, you may be able to negotiate with your insurer.

Read the Policy Carefully

Before you try to negotiate with your insurer, read through all of the documents regarding the amount of cover the insurer is expected to provide. Find out if you have full coverage for that specific situation or if an exception is causing the dissatisfaction. If your current plan does not provide protection against a specific situation you are facing due to a clause or exception, then you might not be able to negotiate further.

Obtain Proof

In some cases, the reason you are dissatisfied with the amount provided by the insurance company is actually related to the proof that you’ve given. Provide an estimate of damages from your mechanic for any damage to the vehicle or give a copy of the police report to prove that you did not cause the accident. By providing more proof of responsibility, costs and other factors, you will have the necessary documentation to prove that the insurer is not following up on their side of the contract.

Talk to the Insurer

When you have proof, start the negotiation process. Do not rush through the process and point out every detail about the situation that you can. Use your policy to point out the mistakes.

Negotiating with an insurance company is possible, but it requires the proper steps and the appropriate proof to show that you’ve been given too little according to your policy. To learn more about negotiating with your insurer, contact us to talk to an independent agent.

Obtaining a discount on your auto insurance policy from your occupation may sound unlikely, but some insurers may allow a business owner or employee of a business with an occupational discount to apply the discount in cover to a personal account in Wayzata, Minnesota.

When Discounts Apply

Discounts do not apply to every situation, particularly when it is an occupational discount that is used for business reasons. In some cases, insurers may allow that discount to carry over to a personal policy, but it usually requires the same carrier for both business and personal use and may require individuals to use a personal vehicle for business reasons.

Variation Between Companies

Although discounts may apply in certain situations, it is rare and most companies will have strict divisions between personal and business vehicles, even when it relates to discounted coverage.

While the companies will have different rules and policies related to the situation, it may be possible to find companies that allow occupational discounts to carry over into personal coverage plans.

Finding the Right Plan

Even if an insurer does not apply a discount related to a specific occupation to a personal vehicle, you may be eligible for discounts that you’ve overlooked when searching for coverage. Different companies offer a wide range of solutions to help bring down the prices, so it is important to ask about any current promotions or possible reductions that may apply to a specific account.

Getting the right plan and policy is not always easy, but it is possible when you are willing to compare options. Since private insurers are different from business insurers, in most cases your occupational discount will not apply to the personal account. To learn more about getting better rates, contact us to talk to an independent agent.

Shopping for auto insurance coverage in Wayzata may seem frustrating, but it doesn’t have to be. All it takes is knowing exactly what to look for when it comes to finding a solid insurance policy for your cars.

Below are some of the most important features that any auto insurance policy you purchase should have:

• Personal Injury Protection (PIP) – This coverage takes care of your medical, hospital and funeral expenses. Minnesota requires all licensed drivers to carry at least $40,000 of PIP coverage per person.
• Bodily Injury Liability – This coverage pays for other people’s injuries or deaths, plus it covers legal fees if the other party decides to sue for further damages. Minnesota requires drivers to carry at least $30,000 of coverage for one person and $60,000 for two or more people.
• Property Damage Liability – This covers physical damage done to the other person’s vehicle and damage to other property. Once more, the state mandates that drivers must carry at least $10,000 of property damage liability coverage.
• Uninsured and Underinsured Coverage – This covers damages caused by motorists without insurance as well as those with paltry insurance coverage. The state requires at least $25,000 of underinsured coverage and $25,000 of uninsured coverage.
• Collision Coverage – With this coverage, your insurance company will cover the replacement or repair of your vehicle in the event of an accident. This coverage is ideal for those who own relatively new vehicles.
• Comprehensive Coverage – Comprehensive insurance covers loss from theft, fire, flood and other non-accident events that may not be covered by your collision coverage.

You’ll also want to learn about all of the discounts that your insurance provider offers and ways you can qualify for them. Get in touch with us to speak to your independent agent about finding an insurance plan that fits your needs.

Disclaimer: The content of these blogs do not represent any type of specific coverage’s offered by the agency.

It’s not uncommon for a Wayzata household to own more than one vehicle. Whether it’s a truck for hauling furniture, junk and other loads, a minivan for driving the kids around or a sporty ride for weekend jaunts through winding roads, having a second, third or even fourth car offers its own set of benefits. The costs of insuring multiple cars, however, can be quite expensive without a decent discount or two to offset those costs.

Loyalty is one quality that the average auto insurance company wants out of its customers, for obvious reasons. As a result, many insurance companies do offer sizable discounts to policyholders who own multiple cars and have those cars listed on the same policy. Multiple car discounts are just one of the many ways that customers can save on their auto insurance premiums and it’s also a great way for companies to retain loyal customers.

Multiple car discounts can easily offer anywhere from 5 percent to 20 percent in annual savings on your premiums. Combined with other discounts, it represents a definite savings of up to hundreds of dollars per year. When you have more than one car to ensure, you’ll definitely appreciate any discount that allows you to keep more money in your pocket. The fine details of multiple car discounts tend to vary among insurers, so it pays to ask before you add additional cars to your current policy.

If you want to know more about multiple car insurance discounts in Minnesota, you’ll want to speak to one of our agents. As your independent agent, we can give you more information that can help you make smart decisions when it comes to getting the most out of your car insurance policy.

Getting the right auto insurance policy for your needs can be a challenge if you are attempting to complete the process on your own. You have to figure out what the top auto insurance companies in Minnesota are, gather quotes from each of these providers, and then compare the costs to decide what policy to purchase. Rather than going through all of this work, get in touch with us to see exactly how an independent agent can make your job of finding auto insurance easier.

One of the major benefits of an independent agent is that this agent can see all of the policies available to you through one system. This means that you don’t have to enter details about your car, address, and the policy coverage you want with each of the different carriers. Instead, you provide your information once and the independent agent can get you quotes from all of the companies that insure vehicles in Albertville, Minnesota.

You’ll also reap other benefits from working with an independent agent. You’ll be able to get specific recommendations on appropriate auto insurance coverage based on your needs. The agent will make sure you’re getting every discount you qualify for to reduce your premiums as much as possible. And of course, your independent agent can also help you renew your auto insurance policy when it’s time. You may want to change your coverage, review whether you’re still using the company with the lowest rates, or add another driver to your policy.

Don’t waste any more time trying to find auto insurance on your own. Instead, contact a local agent in Albertville, Minnesota to get help finding a car insurance policy that will meet your needs. We, at Pizano insurance can make your insurance finding path much easier, please talk to us to get on to the right path.