Posts Tagged ‘auto liability’

Auto Insurance

Sunday, November 19th, 2017

Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and more!

Beck Insurance Agency can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!

How much auto insurance is right for you?

Based in Archbold, Ohio, the team at Beck Insurance Agency understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:
Liability coverage – to pay for losses you cause others, or:
No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
Both liability and no-fault coverage.

We write insurance in Ohio, Indiana, Michigan, Tennessee, Georgia, and Florida and would be happy to help you ensure you have the right coverage for where you live.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is unique – talk to us today to find out how to get the best price and value on auto insurance for you.

Beck Insurance Agency:  “Check with Beck Before You Wreck“.  Call for a quote today at 877-446-BECK (2325), Email us at info@beckinsurance.com, or hit us up via the our Contact Us page!

Q&A with Next-Gen Agent Brock Cousino, Beck Insurance (story by the OIA, Ohio Insurance Agents Association, Inc.)

Wednesday, November 1st, 2017

At just 25-years-old, Brock Cousino is in the beginning of his career as an independent agent. However, he quickly learned the powerful impact he can have as a trusted risk advisor from an unexpected family hardship.

IA Revolution: Tell me about your background before entering the insurance industry.

Brock Cousino: I graduated from the University of Cincinnati with a degree in sports administration and a minor in business administration. My first job out of college was working in operations management at the Stroh Center, a multi-purpose arena on the campus of Bowling Green State University.

IA Revolution: What made you decide to take the leap into the insurance industry?

BC: While I was working at the Stroh Center, a family friend, Joseph Beck, reached out to me on Facebook and asked if I had any interest in becoming an insurance agent. Honestly, I knew nothing about insurance at the time! We met for dinner to discuss the opportunity, and I asked him a bunch of questions.

After our conversation, I started right away at his agency, Beck Insurance Agency, Inc. located in Archbold, a small town in Northwest Ohio. That was back in November 2014, and I’m still part of the same agency to this day.

IA Revolution: What experience has been most impactful for you as an independent agent?

BC: My parents were actually my first clients. I sold them a $500k combined single limit policy and $1 million umbrella. For their entire lives, they had coverages of only $300k / $100k limits on their auto policy. Little did I know, soon after I sold them this coverage, it would prove invaluable to my family.

On Memorial Day weekend, my sister was driving home alone from a friend’s house. She swerved to miss debris on the highway, and lost control of her car. She went across the median and was t-boned by a car going the other direction on the highway.

Thankfully, the car hit the passenger side, as paramedics said she likely would not have survived the accident if the car hit the driver side. My sister was in the hospital for three days, and the two passengers of the other vehicle were in the hospital for several months.

The claims process took about a year and a half to get settled. With all the medical bills, it was about a $1.2 million claim. The umbrella coverage truly protected my family from financial ruin.

IA Revolution: As a young agent, what are your long-term goals for the future?

BC: I grew up in Toledo and have spent a majority of my life in Northwest Ohio, so my hope is to live in a bigger city at some point in the future. For now, I enjoy working near my hometown and meeting with clients in the Detroit area since my agency also writes insurance in Michigan.

I can see myself being an independent agent for the long run. I absolutely love helping people find the right insurance for their needs. The hardship my family went through truly demonstrates that the right coverage makes all the difference when the unexpected happens.

Story by Breanne George, Ohio Insurance Agents Association, Inc.  Original story here:  https://www.ohioinsuranceagents.com/agent/ia-revolution/2017/next-gen-agent-brock-cousino-beck-insurance

Contact Brock at 877-446-BECK (2325) or at brock@beckinsurance.com