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Broker Consulting With Insurance Agents

Many states require auto insurance. Still, requirements are often broad brushes meant to apply to all drivers. The individual driver often needs specific coverage. It's your job to provide that protection. So, how do you make sure every driver gets what they need?

One key to ensuring that every driver gets enough protection is communication. The agent's job is to talk to their customer about some of the optional coverage included on their plans.

Why Optional Coverage Matters

Many states only require drivers to carry minimum levels of auto insurance. The most-common required coverage are liability, uninsured/underinsured and medical payments/personal injury protection. At times, customers can reject these forms of coverage. However, insurers must at least offer the state-required coverage and options.

  • $30,000 bodily injury liability coverage for each injured person
  • $60,000 bodily injury liability coverage total per accident
  • $25,000 property damage liability coverage per accident

As you know, liability insurance will apply to the damage a driver causes others in an at-fault accident. Yet, this coverage does not apply to damage of the insured's vehicle, personal injuries and more. That's where optional insurance coverage often comes into play. As an agent, point your client towards the multiple optional elements available with most policies.

Optional Coverage to Discuss with Clients

When talking to clients, remember to offer them advice on what coverage is best for them. Mention that additional coverage might prove valuable in the event of a mishap. Some protection your client might want to carry includes:

  • Higher Liability Coverage: Your customer might want higher levels of liability insurance. It can provide extra protection in case of extremely costly at-fault accidents.
  • Collision Insurance: This helps pay for damage to the insured's car after a wreck.
  • Comprehensive Coverage: This pays for the insured's vehicle damage resulting from non-accident incidents. Policies might cover damage from fires, severe weather, theft, vandalism and more.
  • Uninsured/Underinsured Protection: This s essentially liability coverage for your own losses. For example, if someone causes you vehicle damage, but cannot provide proof of liability insurance, this coverage can kick in. A good example of when this policy might come in handy is following a hit and run.

Often, these coverage elements prove very beneficial to your clients. If they qualify for extra coverage, don't hesitate to bring it up. Also help the customer tap into the latest discounts to keep premiums manageable.

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