The Insurance Chronicles From Mitch Mitchell (Episode 2)

August 15, 2015

The Insurance Chronicles from Mitch Mitchell, the Chief Cook and Bottle Washer at Nsurance Nation, (Episode 2)



I have been an insurance agent for 20 years, with 15 of those years practicing in the state of Florida. My agency focuses mostly on personal auto insurance. When most of my customers are considering the purchase of auto insurance, their primary concern is the cost of coverage, with little regard for the amount of coverage.


Through the years I’ve learned that customers don’t know what coverage they want or need until an incident occurs. The customer will come in and ask for a quote for “full coverage”. I interpret this to mean that they want coverage for liability insurance which covers the other persons’ bodily injury & property damage and coverage to repair their own vehicle in the event of an accident. However, when I quote bodily injury, property damage, personal injury protection, uninsured motorist, medical payment, comprehensive, collision, rental reimbursement and roadside assistance, which is all of the coverage available to the customer; “full coverage”. Too often, because of the customer’s keen focus on price rather than coverage, they will start to remove some of the most important coverage’s of my initial quote.

When certain coverage’s have been removed from the policy, at the customer’s request, simply because of the price and an accident occurs, they are shocked to find out that there coverage may not adequate to meet their needs. Let’s say the customer removed the rental reimbursement and roadside assistance for this example.

Consider this scenario, the customer’s vehicle is unexpectedly damaged in a fender bender while on the way to work. Once he arrives at work and starts telling his co-workers that he had an accident, without fail, his co-workers will say to him, “When I had my accident, my insurance company gave me a car to drive while my car was in the shop being repaired”.

When I explain the claims process, the customer will ask me if he will get a replacement vehicle while his vehicle is being repaired. Unfortunately, I must say, “No”, and remind him that he removed the rental reimbursement and roadside assistance from the coverage when he initially purchased the policy.

Imagine having to pay $40 or $50 a day for a rental car for even 5 days. The cost will be between $200.00 to $250.00 plus tax and surcharges. That is very costly. Now compare that to the $6.00 cost to include both the rental reimbursement and roadside assistance into the cost of the policy. It is obvious that $6.00 each month is a financially smarter, less stressful and safer decision.

When you consider the purchase of an auto insurance policy, don’t just look for the cheapest auto insurance, but look for the policy that will provide all the coverage that you will need to help keep your life on track.

After reading this if you are wondering if you have the right coverage, I am happy to answer all of your questions, absolutely free, because I want to help “you protect the things you care about”.

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I appreciate the team at Nsurance Nation working with me to get me not only great coverage, but the coverage at a very affordable price. -ZS

— Z. Stein