Is your Ohio driver’s license suspended or do you know someone who needs an SR 22 in Cincinnati Ohio? Contact 513-662-7000 to get your driver’s license reinstated today. If you need an SR 22 in any other state other than Ohio or Indiana, click here to receive an online SR 22 insurance quote in the state in which you live.

The Dayton Daily News reported a story that 39% of the 9.9 million Ohio license suspensions between 2006 – 2009 were due to drivers who had no car insurance. In 2009 2.6 million Ohio license suspensions were issued among 7 million licensed drivers in Ohio. That’s quite a heavy workload for the court system.

If you get caught driving without insurance in Ohio, your Ohio driver’s license will be suspended and you will be required to carry an SR 22 filing.

If you are looking for insurance in Cincinnati and you need an SR 22 filing keep these points in mind:

If you need an SR 22 in Ohio call 513-662-7000

If you do not live in Ohio we offer online SR 22 insurance quotes, click here.

Are you looking for business insurance in Cincinnati?  We provide business insurance for nearly any type of company. An independent insurance agent in Cincinnati is the best place to find business insurance.  Call our office at 513-662-7000 for business insurance in Ohio, Kentucky, or Indiana.  If your business is outside of these three states click here to receive an online business insurance quote in 47 states.

What is Business Insurance?

It’s a specific type of insurance to protect a variety of different exposures that a business may face.  For instance let’s assume that you are a contractor and you use your personal vehicle to transport tools and equipment and supplies to your individual jobsites.  You likely will need to purchase commercial automobile insurance.  A personal automobile insurance policy may exclude certain business type activities in the event you are legally responsible for an accident.

Additionally you could be held responsible for property damage or injuries that occur due to your work activity and therefore you would need General liability insurance. 

Do I Need Business Insurance?

If you own a business and you want to protect your personal assets simply incorporating your business may not provide you complete protection.  Commercial insurance in Cincinnati can provide you the protection that you need in the event you were held liable for a claim.

What Can Happen to My Business without Business Insurance?

Claim scenario -An employee working for a construction supply business drives his commercial truck through a red light and hits a minivan killing the driver of the vehicle instantly. The family of the driver files a civil lawsuit against the company and a judgment of $1 million was assessed.  The owner of the construction supply business did not have commercial auto insurance and he was forced to sell his business to cover the $1 million judgment.

Contact Our Independent Insurance Agency for Business Insurance Quotes

If your business is located outside of Ohio, Kentucky, or Indiana, click here to receive an online business insurance quotes.

Are you a contractor looking for contractors insurance in Cincinnati?  Contact our independent insurance agency in Cincinnati by calling 513-662-7000 if your business is in Ohio, Kentucky, or Indiana.  If you live outside of these three states click here to receive an online contractor’s insurance quote.

What is contractors insurance in Cincinnati?

Contractors insurance is a commercial lines insurance policy that includes general liability insurance and it protects the contractor against claims or lawsuits for property damage or bodily injury claims.

Do I need contractors insurance in Cincinnati?

If you are a contractor you should invest in a contractor’s insurance policy because it will provide you the coverage you need to protect your personal financial assets in the event you were held liable for a claim.

This is what can happen without contractors insurance in Cincinnati:

A roofing contractor offers a bid that is accepted by a local business owner who owns an apartment complex.  As the roofing contractor is working on the roof the contractor inadvertently causes damage to another part of the apartment building in the amount of $17,230.  The owner of the apartment complex files a civil lawsuit against the contractor and the contractor is required to pay $17,230 out of pocket because he did not have general liability insurance.  The cost of a basic general liability policy would’ve been less than $750 per year for this contractor.

Contact Pathway Insurance for your contractor insurance needs.

Are you looking around for car, home or business insurance in Cincinnati?  Call our Cincinnati insurance agency located in Blue Ash Ohio.  Please call 513-662-7000 or click here to receive insurance quotes in all 50 states.

The Pathway Protection Letter™ contains specific coverage scenarios that describe situations that Cincinnati insurance policyholders may find themselves in that could result in a claim denial.  Learn why that can protect you from claim denials in our previous article.

When you decide to become a client of Pathway Insurance our client protection letter benefits you in three different ways:

1.  Our easy to understand newsletter explains the exact reason why a Cincinnati

      insurance company may deny a certain claim based on common scenarios

      policyholders may find themselves in.

2.  It shows you exactly where to find that information in your Cincinnati insurance policy.

3.  Finally it gives you advice on how to avoid the claim denial in the first place.

Because insurance policies are often misunderstood, misinterpreted, misapplied and then a claim might potentially be denied. ™ It’s absolutely imperative that policyholders understand their insurance plans more completely.  

The Pathway Protection Letter™ contains information from a new book that will be released later this year by the owner of Pathway Insurance.  As an expert within the insurance industry, Jack Thomas has detailed information, expertise, and knowledge never before disclosed to the general public.

Jack has worked in the trenches for more than 20 years.  As a true insider, Jack makes known pertinent information and facts that some insurance companies may not want you to know about.  This ground breaking information contained within The Pathway Protection Letter™ along with his revolutionary new book will forever change the way you buy insurance.

Not having an accurate understanding about insurance is like walking through a minefield without protective gear. Doesn’t it make more sense to allow an agency to care for your insurance needs that provides this type of service?

Contact Pathway Insurance today.

Click here to use our online quote system for the best rates in all 50 states.   Or call 513-662-7000.

Or you may contact Jack personally: Jack@pathwayinsurance.net

Insurance policies offered by Pathway Insurance:

Are you looking for insurance in Cincinnati? Call our conveniently located independent insurance agency in Cincinnati @ 513-662-7000 or click here to receive an online insurance quote in Cincinnati.

In our previous article we discussed that there were more than 300,000 documented complaints filed against insurance companies last year.  The top two reasons why consumers file complaints against insurance companies is due to claim denials and settlement offers that were less than expected by policyholders.

How Can You Avoid a Claim Denial On Your Cincinnati Insurance Policy?

As was mentioned in the previous article we have developed an exclusive and unique educational service to Cincinnati policyholders.  This service is not available with any insurance agency in the area. 

This service is based on a book that I will be publishing later this year that will be available in your local bookstores and through Amazon. If you missed this article, click here to read it now. 

This unique service is called The Pathway Protection Letter™

The Pathway Protection Letter™ is a completely unique educational newsletter that discusses the specific reasons why insurance companies deny claims.  More importantly this newsletter gives you common sense coverage scenarios written in plain English that help Cincinnati policyholders understand activities that they may be engaged in that could get your next claim denied.

Why is this information so valuable and extraordinary?

Primarily it can help you avoid claim denials.  There are literally hundreds of different scenarios that you could find yourself in that would result in a claim denial.  If your insurance company refuses to pay, that means you will pay!

If a claim is denied your first reaction might be to file a lawsuit against the insurance company.  Will you be successful?  Possibly not.  A catastrophic claim not paid by your insurance company in Cincinnati could destroy you and your family financially.

We are the best insurance agency in Cincinnati to care for your insurance needs.  There is much more to insurance than merely the price you pay for it. Don’t waste your time allowing Insurance agents or companies, who only quote a price, but give no advice™ to care for your insurance needs.

Call our office today so we can review your insurance needs. If you decide to allow our agency to care for your insurance needs you will receive free of any cost The Pathway Protection Letter™

If you are looking for insurance, call our independent insurance agency in Cincinnati @ 513-662-7000 or click here to receive an online insurance quote.

In a previous article I mentioned that there are differences in coverage between various insurance companies in Cincinnati. For example:

Certain insurance companies in Cincinnati do not allow you as the policy holder to permit other people who aren’t listed on your insurance policy to borrow your car! (This is called permissive use by insurance companies in Cincinnati.)

Did you know that?

So if your car insurance policy in Cincinnati doesn’t allow you to give permission to another person to drive your car and you allow a friend to borrow your car anyway and they have an accident, guess what’s going to happen?

 Your insurance company isn’t going to pay for the damage to your car, or to another car that your friend may have hit! 

If your company doesn’t pay guess who is going to pay for your friend’s accident?

You will have to pay because you gave your friend permission to drive your car! (Your insurance claim will be denied because of this restriction in your policy.)

Here Is the Scary Part about This Scenario

The insurance company is not required to tell you upfront when you buy a Cincinnati car insurance policy if permissive use is allowed, or if it is restricted.

How do you know whether or not this exclusion is in your Cincinnati insurance policy?

I’ll share the answer to that question in my next article.

Why should you choose our Cincinnati independent insurance agency? 

For one we are a local insurance agency in Cincinnati, and more importantly we take an educational approach to insurance. We’ll discuss this more in our next article.  Independent insurance agents in Cincinnati are a better choice, because we offer choices. ™

As the survey by the National Association of Insurance Commissioners indicated some have a misunderstanding of what is covered and what isn’t.  Ask yourself this question:

Do I really know what my insurance policies cover, or more importantly what isn’t covered by insurance?

Note how one Cincinnati driver learned a harsh lesson about his car insurance policy.

“Joe” was driving in down Cincinnati making a delivery, when he takes his eyes off the road for just one moment to adjust the sound on his radio.  The car in front of him suddenly stops and Joe runs right into the back of a minivan!

Fortunately no one was injured, but Joe’s car was banged up pretty good plus the minivan needed a new bumper.  Joe calls his insurance company to report the accident and within a week he gets a letter from his company refusing to pay the claim for the damage to his car, and to the damage to the person whom he had hit.

Naturally Joe was upset about that, so he calls a local Cincinnati TV station to see if there is anything that they can do. The reporter smelling blood in the water for a sensational story quickly lost interest after finding out that the insurance company denied the claim because the policy holder used their vehicle in a way that was clearly prohibited by the policy.

Joe thought he was covered, but in reality he wasn’t.  Joe didn’t bother to read the exclusions in his car insurance policy.  He used his car in a way that was prohibited by his insurance policy and he had to pay the claim out of his own pocket.  That was tough lesson for Joe.

The absolute worst possible time to learn something isn’t covered is after the accident happens.

When a claim isn’t paid, sometimes we want to lay blame at the feet of the insurance companies,  when in reality it may have been our lack of understanding of what insurance really covers and what it doesn’t cover that caused the problem in the first place.

So it is vital that you understand completely what your insurance policies cover and what they do not cover.

Keep in mind: Insurance companies can legally deny your claim when you violate a policy term or condition, or if you forgot to add a coverage, or did not have coverage for a loss.

Insurance companies will only pay what they are contractually liable to pay and no more. That’s how it works.

If you want to know what is not covered you must take time to read your policy.  Specifically you must review the section titled:  EXCLUSIONS.  Be cautious and take time to read the details.  Not every insurance company uses the exact same limitations of coverage.  Click below to read typical EXCLUSIONS of coverage.

Typical Car Insurance Exclusions

Typical Home Insurance Exclusions

…but there are a few things you need to understand about your policy so you don’t get burned financially.

Did you know that your insurance policy doesn’t cover everything?

Many mistakenly believe that it does, and some receive a rude awakening after a claim occurs and the insurance company issues a denial of coverage.

The absolute worst possible time to find out something isn’t covered is after the claim happens.  Yet this happens on a regular basis to those who do not take time to investigate what is covered and what isn’t.

A survey was completed by the National Association of Insurance Commissioners and they found:

33 percent of U.S. heads of household, who own a home and have homeowners insurance, incorrectly believe flood damages would be covered by a standard homeowners or property and liability policy.

68 percent think vehicles such as cars, boats and motorcycles stolen from or damaged on their property are covered.

51 percent think damages from a break in the water line on their property supplying water to their home are covered.

35 percent think damages from earthquakes are covered.

Such misconceptions about insurance coverage often lead to anger on the part of the policyholder after experiencing a loss they thought was covered only to later have their claim rejected by the insurance company.

 Whose fault is that?  It’s my opinion there are two chief culprits.

It’s the insurance industry itself for not taking more time to educated their clients in easy to understand language.  But it’s also consumers who buy insurance policies throw them in the drawer and dust them off only when a claim happens without bothering to read beforehand what’s covered and what’s not .