Agreed on the agent point; rental coverage and umbrellas
Agreed on the agent point. The good agent helps you with the insurance red tape, can help advocate at times, may know higher ups in the ins. company claims or underwriter area, etc. By contrast, the 1-800 cheap-call-center and www. supposedlowcostoptions predictably offer none of this expediting and intervention help.
As came up on the sorry tale already, years ago I took the rental car coverage. I used to decline it to save a few bucks and figured I could always scare up a borrowed clunker or get by. But then I had one repair stretch a really long time and had to get a rental. I also came to realize the rental car coverage--which costs a minor amount on my policy--helps align interests some w/ the insurance co. And I've used it a few times in that fashion--"guys, honestly the longer you roll the claims process delays, the longer you just keep writing a check to Enterprise." Seems to get their attention. It's a cheap car invariably, but at least it's reliable wheels for the repair. Similarly another time after a lengthy repair they called about the rental and did I still have it; some kind of periodic reauthorization. I said yep, and explained the delays. Sure enough, things got moving between the adjuster and the repair shop again.
On the shoe on other foot BTW, like other expensive rides the car maybe is a bit of a "target" for folks seeing $$ signs if you or a family member may be at fault in some accident or calamity. Part of my calculus to get and maintain a larger umbrella liability policy over the years.
Last edited by MP4.2+6.0; 03-06-2014 at 08:21 PM.