Unless you’re an Insurance Agent, Underwriter, Adjuster or Associate within the industry, you’re not likely to wake up every morning thinking about your insurance program. So, let’s look at this another way and ask; What level of assurance does your family or business have, that today won’t be the worst day of its life?
What if, after being with the same Agent for 15+ years, your home burnt or was blown to the ground only to discover your Dwelling coverage failed to keep up with the rising costs of home building materials, labor and codes? Would you be content with downsizing to a smaller home or perhaps coming out of savings or going into debt for thousands to rebuild your home back like before?
What if, for just one second while driving, you reached over to answer your cell phone, taking your eyes off the road just long enough to miss seeing a cyclist lawfully riding adjacent to you, running them over and ending their riding days forever? Would you have, and be willing to forfeit, the assets to put that cyclist and their family’s lives back together medically and financially?
What if YOU were that cyclist who was accidentally run over, and your life ended suddenly? Would your family have the emergency and long-term financial assistance necessary to properly lay you to rest without need for the benevolence of others? Would they be able to keep the mortgage and utilities paid on time and provide clothing, food and continued education for your children?
Don’t let some passive agent somewhere write you a policy solely on the basis of its premium or to put a notch in their policy quota! There’s absolutely NO sense in paying insurance premiums month after month, year after year, if they won’t get you fully recovered after a fall.
Be protected, not surprised. Come see us and let us help you get more than you’re already paying for.
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.
So! You and a coworker have just enjoyed a nice lunch, when upon your return, you’re suddenly involved in a car crash. There’s major damage to your car as well as the two other cars you hit. Emergency Responders arrive and begin frantically putting out fires, extracting passengers from all vehicles and rushing them off to the hospital. The Police and eye witnesses determine, You’re at Fault. Suddenly, you remember the recent changes you made to your insurance policy for a cheaper rate, when the question arises, “Are you covered and do you have real accident insurance or just fender bender coverage?”
Well, if your agent was at all up front, honest and truly concerned for your protection, he/she might have asked you something like, “If you were at fault for a serious accident, could you more readily afford a few hundred dollars to repair your auto OR a few hundred thousand to repair the lives of others you may have injured?” Very important to note here; if you are at fault, you’re likely going to need the coverage to do BOTH. Unfortunately, if you are like most consumers shopping to cut their insurance premiums, you chose lower limits of liability over higher comprehensive and collision deductibles to get that lower rate, and may have just cost yourself a fortune. The costs for emergency medical care have not gone down, ever. So, why have you lowered your policy limits?
Folks, please take it from this Agent. Higher deductibles are much more convenient and affordable than lower liability limits six ways to Sunday and twice on Saturday. Any Agent that tells you otherwise is only after his/her policy production count and NOT your best interests. We promise! If you’re at fault, you’ll be much more able to find $1000 or $1500 to repair your car following the accident than you will be to find $1,500,000 to repair the lives of others you injured. Don’t make a $30/month mistake. Be protected, not surprised. Come get more than you’re already paying for!!
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.
Our Worst Nightmare happened to someone today! At present, they aren’t our client, but someone who we’d quoted many months ago and who opted to go with another agency for a lesser premium. When they called in, they were desperate to see if they could get the policy and coverage we’d proposed for them not so long ago. Seems after going the cut rate route, they had a accident. Now six months later, they’re being sued for Bodily Injury Damages well above and beyond the limits of the lower coverage policy they’d elected over ours. Folks, DON’T BUY YOUR POLICY FOR ITS PREMIUM ALONE!! Know the protection it provides for the real world accidents of today. These poor folks now face months of legal defense costs, sleepless nights fretting over a lawsuit they can’t possibly pay, should they lose, along with out of pocket expenses in excess of hundreds of thousands of dollars that could consume their equity, life savings and even a portion of their future income, all because they opted for 100/300 limits. This is the horror story that reflects exactly why we do what we do for our clients. With the costs of healthcare and legal defense going through the roof these days and those opportunistic individuals lurking for the chance to get something for nothing, no one should be on the road with less the 500/500 basic auto limits and a $1M Umbrella on top for added defense. You will be surprised how little more it costs. Be protected, not surprised. Come see us and get more than you’re already paying for!
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.
Roque Agency Insurance 