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River Valley Insurance Agency Inc Blog

The whole truth.

4/11/2017

0 Comments

 
I've been thinking about the truth lately.  For some reason people lie to me a lot.  They may not do so intentially or becuase they dont like me....I am an insurance agent.  

"I don't need to tell my agent that I have a 16 year old driver, my rates will go up"  This is probably the most common lie, or ommission,  that I encounter.  Yes, your rates will go up but let me tell you why you must disclosure this driver (or any driver of your auto).  Our auto product is the state of Michigan is based on a multitude of factors.  The most basic being the type of car you drive, your age and your driving record.  Each of these factors are plugged into a formula to give you a rate.  But when those factors are missing, that rate is not accurate.  That rate cannot support the claims we encounter.  That rate is just numbers.  So what happens with a claim?  If that driver is not disclosed your claim can be denied.  No, this isn't a scare tactic, I've seen it happen.  Claims are denied for "ommissions" every day.  Do you want to pay that rate to NOT get coverage?

What about on your home?  The same ommissions can happen here too.  The most common I see is that the home is not insured for the actual use.  In other words; you have a homeowners policy when in actuallity you rent it out.  That needs to have a different policy.  You are literally throwing your money away.  

So I urge you;  talk to a professional about your exposures.  Even if that may cost you more money.  We pay for insurance to have coverage, right?  So why jeopardize that with an "ommission". ​
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    O-11282 Tallmadge Woods Dr NW
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Grand Rapids Office

River Valley Insurance Agency Inc
O-11282 Tallmadge Woods Dr NW
Grand Rapids, MI 49534
(616) 301-9500
Click Here to Email Us

Coopersville Office

River Valley Insurance Agency Inc
905 O'Malley Dr.
Coopersville, MI 49404

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  • Home
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Boat Insurance Quote
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Renters Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Annuity Quotes
      • Final Expense Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • File a Claim
    • Customer Portal
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Free Consultation
    • Online Documents
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Property >
      • Home Insurance
      • Renters Insurance
      • Flood Insurance
      • Landlords Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Insurance Bonds
      • Workers Compensation
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Final Expense Insurance
      • Umbrella Insurance
  • About
    • Meet Our Team
    • Refer a Friend
    • Local Links
    • Insurance Carriers
    • Agency Photo Gallery
    • News
    • Blog
  • Contact