A large number of drivers in Montana have no insurance. Many more carry the minimum state liability limits discussed below. It is not hard to see that $25,000 will not be enough to cover medical bills, pain & suffering, loss of use, loss of wages etc. in the event of a severe injury. For that reason Underinsured Motorist Coverage can be very valuable coverage.
UNDERINSURED MOTORIST.....Pays for your bodily injury damages when an auto accident is caused by someone with insufficient liability insurance. The state minimum legal liability limit is $25,000 per person, $50,000 per accident (multiple injuries) and $10,000 property damage. These minimum limits are over 25 years old!
DID YOU KNOW.....Our office operates differently than most Insurance Agencies. We do not have any commissioned salespeople. Everyone is paid a salary rather than commission. We do this to make sure that your best interest always comes first rather than a paycheck. We are all Customer Service Representatives FIRST and then have additional duties.
Montana continues to have lots of uninsured motorist. It seems like every other injury accident we see is caused by someone without insurance! It makes me mad that we have to pay for this coverage when the other party is breaking the law by not having insurance. However, the coverage can really save the day when needed!
UNINSURED MOTORIST....Pays your Bodily Injury Damages when an accident is caused by a driver who does not have insurance. This includes medical bills, pain & suffering, loss of income and loss of use.
Did you know??? Most glass shops will charge an Insurance Company up to 3X the price they will quote you to replace a windshield. If you have a large Comprehensive deductible or no Comprehensive coverage make sure you let them know that the replacement is not an insurance claim. A $600 windhield can suddenly become $200.
Glass Coverage.....This is also part of your Comprehensive coverage. Most Insurance Companies will waive your deductible for a rock chip repair. However, if your windshield needs to be replaced, your deductible will apply.
Comprehensive Coverage....Pays for damage to your car other than collision or wear and tear. Examples are theft, hail, fire, wind, flood or vandalism. Hitting a deer or other animal is also covered under comprehensive coverage. The deductible works the same as the collision coverage explained yesterday.
It is important to choose a deductible within your comfort zone. The higher your deductible the lower the premium. However, you don't want to have a deductible higher than you can afford to pay in the event of an accident.
Collision... This coverage pays for damages to your vehicle caused by collision with another vehicle or object. The insurance company will pay for repairs up to the value of your car less your deductible. Deductibles range from $100 and can be as high as $5000.
Once the insurance company pays the full limits of your policy, you can be responsible for any damages above that amount. To protect your assets you might want to consider higher limits. Give us a call to find out what you current limits are and what is available.
Liability..This covers the other guy, and is the one coverage required by law. It pays for accidental bodily injury and property damages to others. Montana requires $25,000 per person, $50,000 per accident (multiple injuries) and $10,000 property damage (automobiles or other property).
Welcome to Don Brush of Missoula who saved $300 a year on his home insurance today!
Welcome to Jerry & Kerry Tainsoon of Billings who saved over $400 on their home and auto insurance with us today!
Welcome to Terry Voeller of Helena who saved $1,365 a year on their home and auto insurance today!
Welcome to Luke and Cheryl Erdahl of Helena who saved $600.00 off of their State Farm Home and Auto Insurance with us today!
Welcome to Wilma Barnett of Stevensville who saved $811.00 off her AIG home policy with us today!
Welcome to Ray & Noel Phillips of Bozeman who just saved $537.00 a year on their home insurance with us. They got better coverage too!
Welcome to Tim Thielen & Christie Lausch of Billings who saved over $400 on their home insurance with us today.
Thanks - there is a reason we switched to work with you in Helena vs. the local companies here (it is called your great service) ! J. Frome Bozeman MT
*******IMPORTANT CLAIMS INFORMATION*******
To our Billings, Bozeman and Belgrade clients who have had damaging wind and hail recently. If you have experienced damage to your insured home or vehicles please give us a call at 442-6700 or 800-696-3897. After hours your Insurance Company claims phone numbers can be found here under the claims tab on this website. Please call us immediately if you have any problems through the claims process. Our major Companies Travelers, Safeco, Kemper, Progressive and Hartford will be setting up claims centers with additional adjusters in your area. If we have your e-mail address, I will send you updates on locations and contact phone numbers as I receive them.
Travelers Claims Information: Travelers is updating its claims information on a regular basis on the following Bozeman area radio stations
- WBOZ-AM (1090)
- KBOZ-FM (99.9)
- KOBB-FM (93.7)
CLAIMS INFORMATION FOR OUR CLIENTS INSURED WITH SAFECO
Safeco customers with storm damage to report their claims on Safeco personal and commercial polices to their toll-free claims number at
(800) 332-3226.
Once you report your claim, a member of their National Catastrophe Team will contact them within 24 - 72 hours to discuss the claim and arrange for an inspection if needed. When the volume of claims is high, their goal is to reach customers with the most severe damage first.
Please make emergency repairs to prevent further damage to your property if you can. Please be patient and save receipts. It is important to wait until your claims professional has assessed damage before making permanent repairs. However, we encourage you to line up a contractor. Only use a local, licensed and bonded contractor and check their local references. Rest assured that the team is prepared to handle every claim quickly and efficiently, providing our customers with the best possible service.
CLAIMS INFORMATION FOR OUR PROGRESSIVE CLIENTS
To our Progressive Auto Clients in Bozeman and Belgrade: If you sustained hail damage in the Bozeman area on June 30, 2010 and carry comprehensive coverage Progressive has a Catastrophe team in Bozeman to expedite you claim. To start your clain call 1-800-776-4737 and take option 5. Please have your policy number handy. You will be immediately assigned to the Bozeman CAT team.
Welcome to Pamela Cermack of Helena who just saved $804.00 a year on her auto insurance today!
We have added Met Life Home and Auto to our long list top Insurance Companies that we represent! Met has been providing innovative insurance at competitive prices for over 140 years now. We will be adding them to our comparative rating system to find you the lowest premium. Unlike Progressive's comparative rating, we can issue and service your policies with all of these Companies including Progressive!
Welcome to John & Kay Ward of Helena who just saved $1669 a year on their home and auto insurance with us today!
Welcome Roger Binfet of Helena who just saved $314.00 a year on his auto insurance with us today!
Rick & Terri Johns of Helena just saved over $200 on their home and auto insurance with us today!
Jerry & Susan Makeever of Bozeman just saved over $1300 a year on their home and auto insurance with us!
Dwaine & Diane Martin of Helena saved over $300 a year on their auto insurance with us today!
Jeffrey & Patricia Andrews of Billings saved $425.00 on their home and auto insurance with us today!
We saved Dwaine & Diane Martin of Helena over $300 a year on their auto insurance today!
We are adding Met Life Home and Auto to our already impressive list of preferred Insurance Carriers. We have relationships with over 30 different insurance companies. With all those to choose from, odds are we can find a lower rate for you too!
Brian & Deanna Satre saved over $1300 a year from their Farmers Insurance policies with us today!
Kendra Hanson of Bozeman saved over $300 with us on her insurance today!
Tammy M of Helena saved $1,654 a year on her auto Insurance today!
Nolan & Heather Houston of Lewistown MT saved over $500 on their home insurance today!
Jeffrey & Patricia Andrews of Helena saved $425.00 on their home and auto insurance!
Bob & Cheryl Crowson of Billings saved $450 on their home insurance!
We saved Darcy O'Dell of East Helena over $400 a year on his auto and home insurance today!
Progressive says that they compare rates with other companies. They do, but using only their paid in full rate. If you make payments, the rate is substantially higher. We also compare rates with other companies but look at the complete picture, not just a snap shot that benefits one company. We represent a variety of companies and can write insurance for them all, including Progressive!
Auto Insurance Made Easy
(NAPS)—Understanding insurance can often be like trying to learn a foreign language. Many find it confusing and intimidating.
Fortunately, we can help. Here is a quick reference designed to help you understand some of the most common kinds of coverages.
Liability covers bodily injury and property damage (BI/PD). This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. In most states today, liability insurance is mandatory.
Under BI/PD, your insurance company pays for damages to an injured person and for property damage that you are legally obligated to pay as a result of an accident. If your policy covers you in the event you’re sued after an accident, your insurance company will pay for a lawyer to defend you.
Liability limits generally appear as three numbers, for example, 25/50/25 or 100/300/100. The first number refers to the maximum amount, in thousands, that your insurance company is obligated to pay for bodily injury per person. The second number is the maxi-mum that would be paid out for bodily injury per claim and the third number represents the maxi-mum amount your insurance company is obligated to pay for property damage you cause.
Collision. When you buy collision coverage, your insurance company pays for damages if your vehicle collides with another vehicle or object. Collision coverage involves a deductible amount you select when you purchase your policy. This amount is what you are required to pay before your insurance company starts picking up the tab. Remember, the deductible amount is the amount you need to pay in the event of a claim.
Comprehensive covers dam-age caused by events other than a car collision—such as fire, theft, vandalism, hail or flood. It also covers damage caused by your vehicle colliding with an animal. And if your car is stolen, it will cover the cost of a rental, subject to a daily limit. Like collision coverage, a deductible usually applies.
Medical Coverage. Depending on the state in which you live, you may have available to you Medical Payments coverage or Personal Injury Protection (PIP) coverage. While these both work differently, they provide coverage for medical care provided to you as a result of a car accident.
We can help you determine the price, coverage and service that best meets your needs.
Did you know, that Progressive Insurance advertises that they will compare rates with other major carriers for you? They will, but here is what they don't tell you. The rate they use to compare with, is their paid in full rate. That rate can go up 20% if you make payments. You might also ask them, what happens to the go direct discount at renewal. Yes, it goes away! We represent over 20 insurance carriers (including Progressive) and find the one who offers you the lowest premium for the coverage you want. We also consider which discounts stick and who has the best fit for the payment option that works for you. We work for you, not the Insurance Company
We represent over 20 of the best insurance companies. We shop them all or you. That gives your the edge when it comes to saving money on insurance!
Mike & Lori Bullus of Bozeman switched from GMAC insurance today and saved $800 a year!
Did you know that a Renters policy discount on your auto policy can save enough to pay for the renters policy! Often, the auto/renters package cost less than the auto by itself. Lowering your auto insurance rate while getting free protection for your personal property is like free insurance. Go figure!
We saved Kim of Helena $460.00 a year on her auto insurance today!
I just found a great web site that helps you inventory your personal property at the Insurance Information Institute www.KnowYourStuff.org.
We saved Stan & Diane Tordale of Helena $542 on their home and auto insurance today.
We saved Michael & Kathy Reeves of Missoula $293.00 on their home and auto insurance today.
We saved Tiffany Rowan of Helena, MT $70.00 a month on her auto insurance today
We just hired Ray Torella of Helena MT as our newest Agent/Customer Service Representative. Ray and his wife have lived in Helena for four years and enjoy the friendly people and all of the outdoor activity that Montana has to offer. He has over 20 years of insurance experience that will be put to use protecting our clients assets. Its the people that Ray enjoys the most. Finding the right protection at the lowest possible price for each of his clients is a challange that Ray looks forward to each day.
We launch our new site.
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