Are You Looking for Cheap Insurance in Cincinnati? 

You might be making a grave financial mistake by purchasing the cheapest Cincinnati insurance policy that you can find!

Call 513-662-7000 to receive Cincinnati insurance quotes from companies providing coverage value, versus cheap insurance coverage in Ohio. 

We offer free online quotes click on: Insurance Cincinnati.

Why Cheap Insurance Is a Bad Deal for Consumers?

A handful of insurance companies by means of television advertisements have cleverly convinced a majority of Americans that the price you pay on your insurance is the only thing that matters in your insurance buying decision. Each day insurance companies emphasize this point through their various television commercials. You would be hard-pressed to find an insurance commercial that doesn’t claim they can save you money on your insurance.

Let me ask you this simple question: What is the reason why we purchase insurance? 

Isn’t it to pay claims?

For instance if our house burns down we want money from the insurance company to rebuild. If our 17 year old son decides to master hill hopping techniques and slams the family car into a tree with two of his best friends, you want make sure that your insurance company is going to be there for you when you are sued right?

So if the most elemental reason why we buy insurance is to pay for claims, should we not be asking the most important question? 

How Good Is Your Cincinnati Insurance Company at Paying Claims?

Because insurance companies have conditioned the general public to believe that price is the most important factor, the question, “How good are you at paying claims?” is never even considered.

In reality it’s the most important question that is never asked by consumers when they are shopping for insurance. 

Why is it that insurance buyers do not take into consideration the claims reputation of their insurance company, or the company they are thinking about switching to? 

Because we have not been trained to think about it. We have been trained by insurance advertisements to take into consideration only one thing, and that’s the price we pay for the insurance.

Insurance companies have skillfully educated consumers to think of our pocketbook first as if nothing else matters. But the question: “How good are you at paying claims?” is vital because claims satisfaction among insurance companies differs wildly.

Some insurance companies are far better at claims satisfaction than others, while other companies have a lousy claims reputation.

The biggest mistake consumers make about insurance is that they do not take into consideration, the claims reputation of their insurance company.

How can we learn about the claims reputation of an insurance company?  We will consider that in a future article.

Buy Insurance From a Cincinnati Insurance Company that Will Not Low Ball Your Next Claim!

We represent companies that are more interested in treating policyholders right versus protecting profits for share holders. 

Call us today for a a free comparison at 513-662-7000 or click on insurance quotes Cincinnati.

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.

Looking for Business Insurance Quotes in Cincinnati?

Our agency can help your company find business insurance for nearly any type of situation. No matter if you are looking to insure complex construction projects, or you are a one-person contractor  call our office at 513-662-7000 for the best business insurance quotes in Cincinnat.

If your business is outside of these three states click here to receive an online business insurance quote in the other 47 states.

The Best Place to Purchase Business Insurance in Ohio

An independent insurance agent is the best place to find Cincinnati business insurance. The reason why is because independent agents can represent many different insurance carriers giving your business the best opportunity to find the best rates on business insurance in Cincinnati.

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.  There are a number of other situations that could arise for your business requiring specific types of business insurance. Call our agency so that we can provide you a free analysis for your business.

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. There are 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 in Cincinnati Business Insurance Quotes

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

Need Car, Home, Life, or Business insurance in Cincinnati?  

Call our Cincinnati insurance agency at 513-662-7000 or click here to receive online insurance quotes in all 50 states.

What is the The Pathway Protection Letter?™ – How Does It Benefit You?

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. Many individuals that buy insurance only have a vague understanding of what insurance covers, and what it does not cover.

Compounding this problem, many agents only quote a price, and they give no advice on insurance.™

Because of this dilemma, a number of years ago we developed the Pathway Protection Letter for our policyholders.

The Pathway Protection Letter™ Benefits Our Clients in Three Different Ways:

• Our easy to understand bi-weekly newsletter explains reasons why insurance companies may deny claims based on common scenarios policyholders may find themselves in.
• It shows you exactly where to find that information in your insurance policy.
• 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 book that will be released at some point in the future 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 23 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.

Call 513-662-7000. 

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 for Cincinnati policyholders.  This service is not available with any insurance agency in the area that we are aware of. 

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.

Quotes for Insurance in Cincinnati available 24 Hours Per Day!

We have available an online rating system that will provide quotes from top companies offering insurance in Cincinnati.  For your instant rate quote click: Insurance in Cincinnati.

We are the best broker offering insurance in Cincinnati so why not talk to us today to discuss your 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. ™

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

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

 Do you think you’re in the market to find superior prices on Automobile Insurance plans?  Contact us today by calling 513-662-7000.

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 .

Will you be in the market to buy Insurance in the near future?  Call the experts at 513-662-7000.