When shopping for Insurance in Indian Hill Ohio and the surrounding areas we might buy coverage from the wrong agent or Company.  When that happens prepare yourself for headaches, aggravation, and sometimes you will lose money because you hired the wrong agent or company to care for your insurance needs. 

If you are looking for an agency with an absolute stellar reputation for Great Client Services. You will not find an agency better than Pathway Insurance. That is my promise to you as the owner!

Please call us to discuss your Insurance Needs at 513-662-7000, or use our online rate quote system when shopping for car and home insurance in Ohio, Kentucky, Indiana, or Michigan.

Business insurance of all types are also available through our company.

What happens when we Buy Insurance From the Wrong Company or Agent?

In eight different articles we will discuss the dumb mistakes, tricks, rude behavior, and flat out wrong advice that bad agents or company representatives offer up to their unsuspecting clients. 

Let’s consider Sassy Sally and Helpless Hal in our first article.

Sassy Sally is probably one of the worst insurance agents because she is rude, likes to argue with customers, and she’s not very helpful. 

(Are you getting bad customer service from your insurance company in Cincinnati?  Click here to start the process of receiving good customer service from our A+ Rated Agency.)

Helpless Hal is the exact opposite of Sassy Sally, but the poor fellow just can’t seem to get anything straight for customers. 

You tell Hal you want a $250 deductible on your car insurance policy and he gives you a $500 deductible instead.

You ask him to mail out new ID cards and you never get them.  You ask Hal to find out why you got a rate increase on your insurance and he never returns your phone calls. 

Helpless Hal is a good guy but a bad insurance agent.

Good customer service is hard to find.  All of us have had experiences with a Sassy Sally or a Helpless Hal in products or services that we purchase.  Increasingly companies place more emphasis on profits that can be made for the company and less importance on hiring the best and most qualified people for the job.

If you are considering purchasing new insurance in Indian Hill Ohio, what are the warning signs that you are insured with Helpless Hal or Sassy Sally?

• When you buy your insurance policy the premium is more than what was quoted.
• Multiple mistakes are made on your quotes with no apologies from the agent.
• You never get your insurance policies or ID cards.
• Your bills are never the same and do not show up on time.
• You changed bank accounts and the agent forgot to notify the insurance company causing you to bounce checks and then they have the nerve to blame it on you!
• The agent or their assistants are rude to you or treat you like a child when you ask questions. (If that’s happening from the beginning do you think that will improve over time or get worse?)
• You made your payment in the agent’s office and they never sent the money to the insurance company and your policy lapsed!
• Your mortgage company bought extra homeowners insurance for you (and made you pay for it.)Because your insurance agent forgot to send a notice to your bank that you have homeowners insurance.
• Your car loan payment is increased because your insurance agent forgot to send a notice to your bank.
• You asked for full coverage on your car insurance, and after an accident happens you discover that you only have liability coverage.
• Your agent forgot to add your brand-new car to your policy and then you wrecked it 45 days later.
• Your agent gave you bad advice and your claim is denied.
• You have a problem with a claim and your agent totally ignores you.
• Your premium increases and your agent can’t shop the market for you.
• You do not receive return phone calls from your insurance agent.
• You receive two different answers for the same question from two different people working in your insurance agent’s office.

Our local insurance agency believes in old-school customer service.  Our Moto is “Service the way it used to be.”™

We have one of the best customer service teams in the area. What does that mean for you?  When you call with questions or problems you will find our agents and customer service representatives helpful, courteous, and we go the extra mile for our customers.

When shopping for insurance, don’t make the mistake of placing more emphasis on the price of the insurance, because this old saying is perfectly true:

Sometimes you get what you pay for.

Read our next article:  I am getting the Run around Ralph?  

Would you like to be insured with an agency that goes beyond the call of duty? 

Contact Pathway When Searching for Insurance in Indian Hill Ohio.

Take the first step by calling us at 513-662-7000 or use our online rate quote system for quotes from top companies offering insurance in the following areas:

• Insurance Indian Hill Ohio
• Madeira Ohio Insurance
• Insurance Batavia Ohio

Here’s the problem with an agent like small claims are great Nate.

Nate wants you to turn in every claim that you call about, or at least he wants to document every claim that you cause in Cincinnati so he can increase your rates even if your insurance company doesn’t pay a dime!

This is completely true. Certain companies such as GEICO, Progressive Direct, and other companies that offer consumers the option to buy car insurance direct in Cincinnati require their call center agents to document accidents or claims that their clients cause and call about.

So let’s say you have a minor fender bender and are wondering if you should turn in the claim to the insurance company.  When you call and speak to small claims are great Nate, he has already notated your client file that you had an accident so that your insurance company can take the appropriate action later.

Just so we’re clear: Taking the “appropriate action” later means that you will get a big fat juicy rate increase on your car insurance.)

Don’t believe for a second that all local insurance agents in Cincinnati have “your back“.

Certain insurance companies who employee Wanda or Waldo, the one-hit wonders, (captive companies-click here to see the list of insurance agents who can only offer car insurance in Cincinnati from one company.) also require their agents to notify your company so that they can properly “underwrite” your risk to the company. (Again that means you will get a big fat juicy rate increase on your car insurance in Cincinnati or you will get canceled!)

This is how our agency is different:

We tell you the truth:  Not all claims should be turned into your insurance company…Why???

A few minor claims or accidents within a short period of time will make you a high risk driver and you might have to buy high risk insurance in Cincinnati!  The difference in price on your car insurance when you are a high risk driver in Cincinnati can be as much is 10 times or more!!

Nate, who thinks all claims are great, gets to raise your rate when you have claims.  We do not believe that’s so great. (For you as a client.)

Along with the Claims Advocacy Program, ™ we offer claims advice on small accidents because truthfully some claims should never be reported to your insurance company in Cincinnati. (On the other hand there are some seemingly minor claims that should be reported to the insurance company. So prior to attempting to handle a claim yourself make sure you receive professional advice.)

If you are not currently with Pathway Insurance and you would like the lowest rates on your automobile insurance, then click on Car Insurance Cincinnati now to assure your receiving the best auto insurance quotes in Cincinnati.

Copyright 2010 Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Pathway Insurance Services, Inc. is unlawful.

“I’m not on your side Clyde” will not lift a finger to help you with claims.

This is what Clyde, who’s not on your side will say to you when you have an accident in Cincinnati and need help:

That’s not my department to help you with claims, that’s why we have a claims department.

From personal experience I can tell you that there isn’t anything more frustrating than trying to fight an insurance company to get them to pay a claim! 

What are you saying Jack? Are there companies selling car insurance in Cincinnati that will give you the impression that they are fighting you or perhaps intentionally delaying paying your claim? 

Absolutely, and you will find out quite quickly whether or not your Cincinnati insurance agent goes by the nickname “I’m not on your side Clyde” because they will not lift a finger to help you in any way to resolve your claim.

Clyde, just sells car insurance in Cincinnati and he is really too busy selling insurance policies to new customers to be bothered with helping you with a claim.

Is that how you want to be treated if you need help with a claim?  Do you want your agent to brush you off when you really need help, or do you want an agent that promises to help you with all legitimate claims?

Our agency, offers a Claims Advocacy Program. ™

When you have a car insurance claim in Cincinnati, regardless of fault, we will take you step by step through the claims process.  We will in a sense hold your hand, and even negotiate with insurance companies on your behalf! (Some exceptions apply)

How valuable is this program to you?  If you have ever had a claim and then had the insurance company seemingly stonewall your claim, this service would have been invaluable to you. 

Please note how one family endured a bad claims experience in Cincinnati and how the Claims Advocacy Program. ™ helped to settle the claim.

Steve was rear-ended by another person who was at fault. Steve files a claim against the other company and a week goes by and he doesn’t hear anything from the insurance company so he calls to find out the status of the claim.  The claims adjuster tells Steve that he has not obtained a statement from their client. Two weeks go by and Steve calls the insurance company again. 

He is told the same story. A few additional weeks go by and the rental car company takes Steve’s car back.  Now Steve is without a car and borrows a friend’s car to get back and forth.

Steve calls many times over the next several months and is told the exact same thing by the claims adjustor…we can’t get a hold of our client to get his statement so we can’t settle your claim. 

Finally after 4 months Steve calls me out of sheer desperation.  He explains the situation and I immediately contact the company and within 1 hour the claim is settled and a check was sent the next day to Steve!!

Why did it take more than 4 months for this claim to be settled, and why was our intervention (The Pathway Claims Advocacy Program) instrumental in settling Steve’s claim in just 1 hour?

The claims adjuster completely dropped the ball, and we were able to fix this problem for Steve by our direct intervention.  That’s why families in Cincinnati need a strong claims advocate standing up for their policyholders.

Our claims service is the best in Cincinnati.

If you are not currently with Pathway Insurance and you desire the best rates on you auto insurance then click here on Car Insurance Cincinnati to receive the best auto insurance quotes for Cincinnati drivers.

Copyright 2010 Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Pathway Insurance Services, Inc. is unlawful.

That’s a big disadvantage to you as a customer for two reasons:

First, if you buy car insurance from Wanda or Waldo, they can’t guarantee low auto insurance rates in Cincinnati for as long as you need your insurance.  Why?

Insurance companies are always “fine tuning” or adjusting their premium rates in Cincinnati. That means you are likely to get hit with a rate increase on car insurance in Cincinnati.  Isn’t that why you’re shopping for car insurance in Cincinnati right now?

Second, if you’re shopping for auto insurance in Cincinnati with Wanda or Waldo they can only quote one company. That’s a big disadvantage to you as well. There isn’t one single insurance company in Cincinnati that can offer the best price for every insurance product.

In contrast our agency, Pathway Insurance, an independent insurance agency, can offer auto insurance quotes in Cincinnati from the top 20 companies doing business in the Tri-State area.

How do you know if Wanda or Waldo the one-hit wonders work for an insurance company that only allows them to sell car policies in Cincinnati through one company?

Take a look at the list below to see if you are receiving quotes from insurance agents in Cincinnati who can only sell through one company:

GEICO, Progressive Direct, State Farm, Allstate, Nationwide, Farmers, Liberty Mutual, AARP, Safe Auto, Esurance, Sentry, 21st Century, Amica, Acceptance Insurance, Shelter Insurance, Safeco Direct, Travelers Direct, Hartford Direct, The General, California Casualty and Kentucky Farm Bureau Insurance.

Because Wanda or Waldo are one-hit wonders, they can’t help you when the company they sell for raise your car insurance rates in Cincinnati.

On the other hand our agency can help you secure low insurance rates in Cincinnati on a long term basis. Not only can we obtain auto and home insurance rates in Cincinnati from many companies, we can do it in the blink of an eye using our online car insurance rate engine that can quote companies offering the lowest prices on car insurance in Cincinnati.

If you are looking to find far better prices on your auto insurance, then click on Car Insurance Cincinnati to receive your instant online auto rate quote for Ohio drivers.

If you have already requested auto insurance quotes from our agency why not take a few moments to give us a call?  If for some reason you have not received your quotes please e-mail Jack@pathwayinsurance.net or call our office at 513-662-7000.

Copyright 2010 Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Pathway Insurance Services, Inc. is unlawful.

Here’s the problem when you buy insurance from a Wet Willie:

Insurance is a very complicated financial contract, with tons of restrictions of coverage, and what amount to legal loopholes for insurance companies to get out of paying certain claims that we might think are covered.

Buying insurance from a Wet Willie, that is an inexperienced insurance agent in Cincinnati, could place you in danger, why?

Wet Willie can barely “spell” insurance, let alone properly advise someone what to buy and how much. 

In fact, did you know that there are more than 200 different ways to get your insurance claim denied by your insurance company in Cincinnati?

Our agency, Pathway Insurance has developed a special coverage checklist that will help you discover potential gaps in coverage and shortfalls in your insurance plans in Cincinnati, plus a special 16 page report that discusses different claims scenarios in which insurance companies can legally deny claims in Cincinnati.

All new clients of our agency will receive this information.

After our policy review you will positively know whether you are insured with a Wet Willie, or Marvin Mayhem.  Marvin Mayhem is the incompetent insurance agent from Cincinnati that we talked about in our last article.

Make no mistake when discussing your insurance needs in Cincinnati.  It can be a big mistake to buy your car insurance from a Wet Willie.  Just like curiosity killed the cat, an inexperienced insurance agent in Cincinnati can kill you financially.

If you would like to talk to us about your insurance needs, start that process by allowing us to shop around for you in our goal to find the best insurance rates in Cincinnati.  Begin by clicking here on Car Insurance Cincinnati.

If we have sent you quotes within the last 3 to 4 weeks, please refer to those Cincinnati auto insurance quotes.  If you have not received your quotes please e-mail Jack@pathwayinsurance.net or call our office at 513-662-7000.

Copyright 2010 Pathway Insurance Services, Inc. All rights reserved. Reproduction or translation of any part of this information without permission of Pathway Insurance Services, Inc. is unlawful.

Are You Looking for the Best Insurance Agency? 

We can help you find the best insurance options when looking for Amberley Ohio insurance and all of the surrounding areas of the Greater Cincinnati area!

We are a leading independent insurance agency based in Blue Ash and you may reach us by calling 513-662-7000 or use our online rate quote system when you need car and home insurance quotes in Amberley Ohio.

Click on Pathway Quotes and in 5 minutes or less you will find the top 10 companies offering insurance in our area.

Why You Must Verify Your Coverage?

When you are looking for different insurance options, occasionally consumers may purchase insurance and later regret that decision for a variety of different reasons.

In a series of eight different articles I will share with you some of the pitfalls that consumers face when purchasing insurance, no matter if its auto, home, life, or business insurance.  I’ll refer to the insurance representatives in terms that best describe their actions.

For instance in the following articles we will talk about Sam the Scam, Marvin Mayhem, Wet Willie, I’m not on your side Clyde, Small claims are great Nate, Wanda or Waldo the One-Hit Wonders, I’m getting the Runaround Ralph, and helpless Hal or Sassy Sally.

Regrettably in most instances it’s only after you purchase insurance that you will later learn the true identity of the insurance agent or company you purchased insurance from!

Who Am I?

My name is Jack Thomas and I and my wife Emily own Pathway Insurance. I have been a licensed agent for more than 20+ years and we can help you with your insurance needs in all 50 states.

Let’s get right into our first story about Sam the Scam.

Who is Sam, the Scam?

If you are not careful, this insurance agent may not provide quotes to you for the same coverage limits, or deductibles you have right now in hopes that you won’t notice!

Appropriately I call this insurance agent Sam, the Scam!

This is how we came to learn about Sam the Scam a few years ago. One of our clients named Paul called to cancel his policy because he told us he found a lower price on his car insurance by contacting Sam the Scam. (Not his real name of course, would you buy a policy from someone named Sam the Scam?)

Naturally we asked our client Paul if this new agent had quoted the same coverage limits and deductibles he had with our company. Paul said he thought so I mentioned it would be good idea to double check and we offered to do that for our client.

Paul e-mailed us a copy of the declaration page from the new company.

After reviewing his new coverage limits that he had just purchased from Sam the Scam, we discovered Sam the Scam was only able to sell his low priced car insurance policy by reducing our client’s coverage limits by 8 times, to the state minimum levels!!

In addition Sam the Scam raised our client’s deductibles to $1,000! (Previously his deductible was only $500.)

While it is true our client saved money on his car insurance policy by using Sam the Scam, he did so by using deceit by increasing his deductibles and substantially lowered his coverage!

Theft by Deception!

Not really a good deal for our client Paul was it?  Sam the Scam obviously committed this act intentionally to earn a commission and our former client did not discover the deception because he did not review his coverage page!

For illustration purposes only we matched what the other agent quoted and our car insurance rate was $200 lower compared to Sam the Scam.

By the way, before you ever take the step in lowering your liability limits, you need to ensure the coverage is adequate for your needs. Otherwise you might be setting yourself up for a big financial loss down the road.

Fortunately our client Paul quickly came to his senses and dropped the policy provided by Sam the Scam after learning that he was bamboozled!

What is the Moral of This True Story?

When you are shopping for the best prices on insurance take time to make sure the comparison is apple to apple.

Don’t get scammed by Sam the Scam, the insurance man whose only real interest is making you his next sale.

For fast online auto insurance quotes, click: auto insurance Amberley or home insurance Amberley.  Or give us a call at 513-662-7000 or toll-free 1-800-998-0662.

Insurance also available in the following local areas:

• Deer Park Ohio Insurance
• Kenwood Ohio Insurance
• Montgomery Ohio Insurance