New Allstate Policy Information Beginning May 2018-October 2018
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From Your Insurance Agent Cindy Novotney
Novotney Agency Inc Phone: 248 852 8000 April 23, 2018
Rodney Harper Insurance Review for policy ending in: 9250
Dear Rodney,
Thank you for your business. I appreciate your confidence in my agency.
As part of an insurance review process to ensure you are receiving the very best service provided by my agency, I have prepared this overview of your policy.
Now is a good time to discuss any questions you might have about your discounts, premium or coverage. This will help ensure that you have the protection you believe best meets your needs today. In any event, it is always a good idea to have an Annual Insurance Review.
Your policy currently includes the following vehicle: 2010 Chevrolet. All vehicles, owned or leased, must be titled or leased in the named insured above and/or spouse.
You have a Your Choice Auto Value policy. You may want to upgrade your policy to include a deductible reward, multiple accident forgiveness, and safe driver bonus. If you would like a further explanation of these benefits, please call me.
Discounts Currently on Your Policy - Anti-Lock Brake, eSmart, Good Payer, Passive Restraint, Premier Plus, and Prior Carrier.
Bodily Injury Liability - You have $50,000 per person and $100,000 per accident bodily injury protection. By today's standards, these limits may not be adequate for a serious accident. Please give me a call so you can see how little it costs to increase this coverage.
Property Damage Liability - You have $100,000 of property damage liability. If you have an at fault accident and cause damage to another person(s) property, the policy will pay that person up to this amount. While your property damage liability meets or exceeds the amount required by the state, you may not be adequately protected for a serious property damage accident.
Michigan Personal Injury Protection - You have personal injury protection. For more details about this valuable coverage, call the office.
Uninsured Motorist Bodily Injury - You have uninsured motorist bodily injury protection. Your limits are $50,000 per person and $100,000 per accident. This coverage protects you in the event you are involved in an accident with an uninsured motorist for bodily injury.
Underinsured Motorist Bodily Injury - You do not have underinsured motorist bodily injury. If you add this coverage to your policy and you are involved in an accident with an underinsured motorist, you may receive payment for bodily injury.
Collision - If you should hit another car or hit an object such as a telephone pole, collision provides physical damage protection to your automobile. You may purchase collision with various deductibles (the amount you pay to get your vehicle fixed). The higher the collision deductible, the less you pay for collision coverage. Your 2010 Chevrolet does not have collision.
Comprehensive - When your vehicle is damaged other than by a collision, your vehicle may be fixed by comprehensive. Losses such as broken windshields, theft, vandalism, fire, wind and storm damage are frequent claims covered by comprehensive. You may purchase comprehensive with no deductible or you may select a deductible to save money. Your 2010 Chevrolet does not have comprehensive.
Rental Reimbursement - You do not have rental reimbursement on your policy. With rental reimbursement, we will help you cover your additional transportation expenses up to the amount you select when you have a covered collision or comprehensive loss to your vehicle.
Towing and Labor - You have towing coverage. With towing coverage, we will reimburse you for towing or emergency road service when your vehicle is disabled. Your 2010 Chevrolet has $50 towing.
Sound System - You do not have sound system coverage. The policy under collision and comprehensive is designed to protect sound systems installed by the manufacturer. Sound system coverage is needed to protect additional sound systems that have been permanently mounted.
Allstate Claim Satisfaction Guarantee - With this guarantee, we will actually give a credit on your auto premium if for any reason you are not completely satisfied with our service on a paid auto claim. It’s our way of helping you feel confident that we’ll be there for you if you need us.
Property Insurance - While I was researching your auto policy, I noticed you do not have your property insurance with Allstate. Now would be a good time to review your property protection. I would like to invite you to compare my rates.
I hope this information is helpful and that you’re completely satisfied with my agency. The highest compliment you can give me is to refer my agency to your friends and family. So, if you’re not satisfied with me, please call me and let me know how I can better serve you. Your feedback is important to me.
I look forward to serving you for many more years. If you have any questions, need to make any changes or would like a more detailed policy review, please call any time.
Sincerely,
Cindy Novotney
Cindy Novotney, Your Allstate Insurance Agent
*All explanations are subject to applicable coverage limits and other policy terms and conditions.
By the way Rodney,
Are you going without life insurance because you assume it's too expensive? Or do you have some life insurance protection, but realize that it's not enough to meet your current financial obligations?
Affordable term life insurance may be an excellent way to fill your temporary need for life insurance. Term life insurance provides a death benefit during the specified term period, which can help cover the remaining costs of your mortgage or other long-term debts. And many term policies may be converted to a permanent policy at a later date without a medical exam.
Rodney, at age 63, you could qualify for a $50,000 ten-year term life insurance policy for only $48.97 per month. These prices are accurate if you meet the company's preferred underwriting requirements. Depending on your health and other underwriting guidelines, this price could be less or more. Call me today so we can get a policy started for you.
___ Please check here if you are interested in life insurance and mail it to the office, fax it to 248 852 6803 or call the office.
As always, you can depend on me to provide you with the right coverage at the right price.
Thank you.
just took a look at new policy and thanks for the breakdown of policy. I have life insurance through the Post Office. Thanks for everything. Have a good day.
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