Call 513-662-7000 to speak with an agency that offers a Claims Advocacy Program™.

How Does the Claims Advocacy Program™ Benefit Our Insurance Policyholders?

A Claims Advocate simply means we stand up for your rights as a policyholder in the event a claim is not paid to your satisfaction!  

Please Note a Few of the Services We Offer With Our Claims Advocacy Program:

We will investigate to learn the reason for claim denials or delays.

We will proactively provide assistance to claims departments to speed up the process so claims are paid faster. 

We have tracked down uninsured motorist and collected payments for our policyholders insurance companies refused to do because the collectible amount was too small.

We will negotiate with insurance companies on your behalf in the event you are not satisfied with the amount payable to you.* (This service also applies to not at fault accidents you may be involved in as a client of our agency.)

Real Life Claims Advocacy™ in Action:              

Jamie Bettis is a client of our agency and a business owner.  American Mobile X-Ray  

In 2010 one of his medical trucks was completely destroyed by a teenager who was texting and driving.  The teenager was insured, but the responsible insurance company was lowballing the insurance settlement offer for the property damage.

Jamie made us aware of the accident from the start.  Losing his medical truck in addition to a significant amount of expensive medical equipment placed him in a bad situation to cover his workload for his business.

To make matters worse the insurance company was offering him substantially less money for the claim.  We actively negotiated with the insurance company. Within five days his claim was settled and he was reimbursed in full. We were able to secure an additional $5000 compared to what the insurance company was offering.

We also cut in half the amount of time it takes to settle a claim this large, and Jamie was able to avoid loss of any business due to this unfortunate event.

Let an Agency That Stands up for Their Clients Care for Your Insurance Needs! Contact Pathway Insurance Today by Calling 513-662-7000.

*There are limitations to what we can offer with the Pathway Claims Advocacy Program. ™ For instance, we cannot provide legal advice as we are not licensed attorneys. We cannot overrule or overturn insurance company final claims decisions, especially on claim denials whereas the policyholder has engaged in some type of prohibited activity, or they did not purchase the appropriate coverage, or failed to add endorsements necessary to cover an incident that would normally be excluded from coverage. Please call 513-662-7000 for more details or questions about this service.  Additionally if you have already secured the services of an attorney we cannot provide any assistance to you.

Call 513-662-7000 we offer a very powerful service called the Claims Advocacy Program. ™

Most people probably want to avoid claims.  It can be time-consuming and frustrating.

What’s more sometimes claims are denied by insurance companies, the claim settlement could be delayed, or we receive far less than what we believe we are owed. Statistically more than 300,000 documented complaints are filed against insurance companies each year.

In the state of Ohio a total of 1304 complaints were filed against insurance companies on automobile insurance claims in Ohio. 874 complaints were filed against homeowners insurance companies in Ohio.  The top three reasons why someone would file an insurance complaint in Ohio:

• #1 Claim Settlement Delays (#3 for Homeowners Insurance Complaints in Ohio)
• #2 Claim Denials (#1 for Homeowners Insurance Complaints in Ohio)
• #3 Unsatisfactory Settlement Offer (#2 for Homeowners Insurance Complaints in Ohio)

What Is the Pathway Claims Advocacy Program™ And How Does It Benefit You As a Policyholder of Pathway Insurance?

First of all what is a claim advocate? It’s simply someone that stands up for your rights as a policyholder.  We might think that our individual insurance agent would stand up for our rights as a policyholder; it would seem that this would be part of their job description, is this truth or fiction? 

The real truth is that many insurance agents will not lift a finger to help their clients with insurance claims in Ohio if there were a dispute.  Some may not be permitted by their insurance company that they sell policies for, some have no clue how to help their policyholders if there’s a dispute, and others simply have no desire to help their customers resolve claims disputes.  If your insurance agent in Ohio will involve themselves in claims resolution for their clients, you have an insurance agent that is worth their weight in gold!

In our next issue we will show you how the Pathway Claims Advocacy Program™ works in real life.

Do You Want an Insurance Agent in Cincinnati That Stands up for Your Rights as a Policyholder?

Call 513-662-7000, or begin an online insurance quotes in Cincinnati by clicking here.

*There are some limitations to what we can offer with thePathwayClaims Advocacy Program. ™ For instance, we cannot provide legal advice as we are not licensed attorneys. We cannot overrule or overturn insurance company final claims decisions, especially on claim denials whereas the policyholder has engaged in some type of prohibited activity, or they did not purchase the appropriate coverage, or failed to add endorsements necessary to cover an incident that would normally be excluded from coverage. Please call 513-662-7000 for more details or questions about this service.  Additionally if you have already secured the services of an attorney we cannot provide any assistance to you.

Why do Independent Insurance Agencies in Cincinnati Offer the Best Rates?

If you’re looking for new insurance options call 513-662-7000, or click online insurance quotes and in 5 minutes or less you will receive quotes from top rated insurance companies in your area. 

Purchasing insurance from an independent agency in Cincinnati is a better solution compared to buying from a company only representing one company.

Most people would agree that insurance is inherently confusing. 

Adding confusion to the mix is a nearly universal message conveyed by almost every insurance company advertising on television:

Call us for cheap car insurance! 

Based on the implied assumption that the price we pay for insurance should be the chief factor in our decision making process, insurance buyers are left unaware of the dangers in believing all policies are equal between insurance carriers.

This lack of knowledge could very well cost the unassuming insurance buyer more money at some point in the future compared to what was saved in the short term. (claim denial)

What You Don’t Know When Shopping for Insurance?

What insurance companies don’t bother to explain is the super cheap rate they just offered you is not guaranteed for any longer than your first renewal term. 

The other small detail they left out on the fine print of their television advertisement is that they will increase your price at some point in the future! 

So the money you ‘saved’ by switching to a new company will likely disappear, or you might find yourself spending significantly more money than what you were paying before you switched!      

Simple Facts About Insurance:

If you buy Geico car insurance in Cincinnati because they offered you a lower rate compared to your previous insurance company.  Don’t get used to that low rate.  Eventually Geico will raise your rates!

It’s 100% true.  

Insurance companies are constantly modifying and changing their insurance rates based on a number of underlying factors.

One factor is the inevitable rate increase you are hit with after you cause an accident, get a ticket, add your 16 year son or daughter to your policy, or buy a sports car.

While it is true that some Insurance companies advertise accident forgiveness in Cincinnati, what they’re not telling you is that you have to pay extra money for accident forgiveness!

Rate Increase Example

A client by the name of Wilson changed to Geico a few years ago because he saved about $100.  He thought he was being a good consumer by saving money.  

After causing an accident Wilson received a substantial rate increase on his Cincinnati Geico car insurance policy.

He called our office to see if we could lower his rate.  We could and saved him about $400 compared to what Geico was going to charge him on his next policy renewal after they surcharged his car insurance policy for the accident.

If you save money on your insurance, you may pay more later because of a change in your circumstances. 

There is a proven way to keep your premiums low over the long run…it’s when you buy insurance from an independent insurance agency in Cincinnati.

How Can Our Independent Insurance Agency Offer Better Rates over the Long Run for Consumers?

Let’s assume that you are already insured with our agency and you receive a large rate increase because of an accident or other claim. We can shop your insurance with other insurance companies at your request! 

In contrast Geico sells car insurance through only one company – Themselves! 

When Geico raises your prices, they are not going to encourage you to take your business elsewhere.

Surprisingly many consumers are not aware that many of the companies advertising so predominately on television only offer insurance from one company!

Independent Insurance Agents in Cincinnati Offer a Better Choice for Consumers. 

Because we represent so many different insurance carriers, when you receive a rate increase on your insurance we can shop around to determine if you would qualify for lower rates. 

This type of approach is significantly better for you because not only is it likely that we can help you find a better rate, but we can also save you time.

So when you purchase insurance with our independent agency in Cincinnati you receive a significant benefit compared to companies offering insurance through only one company!

Pathway Insurance is a leading independent insurance agency in Cincinnati.  Call our office at 513-662-7000, or click here to receive an online insurance quote.

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™