Skip to content
April 24, 2015 / roqueagency

We lost a Client for a lower premium, but guess what else?

We were surprised last week to receive a “Request to Cancel” from one of our auto insurance policy clients of two years.  They’d always owned an older vehicle and carried Liability, Med Pay and Uninsured Motorist limits of 250/500. Nevertheless, they were one of our earlier clients and part of our client family. Their choice to leave our agency hinged solely on a lower premium they’d found online. Initially, we were disappointed to receive their request until we reviewed their claims history over the two prior years they were clients. We found:

Not a fender bender1-Roadside claim of $57 for a key they’d broken off in their ignition
1-Uninsured Motorist Property Damage claim after a hit and run driver damaged their car (the $466 which was paid for repairs to their car, was pocketed instead)
1-Medical Payment claim after they hit a patch of ice and ran off the road into an embankment. Chiropractor bills (where they worked) for some neck soreness came to $2,347.

At this point, they’d already received more than 2x their total of two years premiums paid back in claims. What we then discovered, was that they’d had an AT FAULT collision with another vehicle just two days prior to cancelling our policy (liability loss paid $2087). We were even more surprised to learn from their new carrier, that they’d accepted that lower premium for lower limits of 50/100 rather than the 250/500 we’d always provided. With an incident history like this, what are your thoughts?  Good decision or not so good? We just hope their choice to ride on 80% less coverage for a few dollars less in monthly premium, doesn’t come back to bite them in the wallet later.

We don’t lose many Clients here at Roque Agency Insurance where we strive to provide premier protection at competitive premiums with unparalleled customer service. Whether you’re a safe driver or an accident looking for a place to happen, you and others should be protected, not surprised. Come see us and we’ll help you get more than you’re already paying for.

Google+Luis Roque is a local Independent Agent who strives to help you to “Be Protected, Not Surprised. Get More Than You’re Already Paying For.”
Roque Agency Insurance is located at…

150 Uptown Square, Suite C
Murfreesboro, TN 37129.

Or click here to call us at (615) 582-3382

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s