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R. David Bulen Insurance Agency Paying too much for your Insurance? Not sure? Call us to compare. It’s fast, easy and best of all there is no cost to you! Experienced and licensed staff working for you to provide the best company, coverage and price available. You will always have a service team assigned to you. At each renewal we will quote your current policy to make sure you are still receiving the best coverage and price. Multiple policy discounts available. R. David Bulen Insurance is a professional team of caring individuals committed to providing superior products and service to our valued growing customer base. Are You A Business Owner looking for Competitive Insurance? Whether you’re looking for workers compensation insurance, commercial auto coverage, general liability or professional liability for your business, R. David Bulen Insurance is committed to finding you affordable and comprehensive insurance coverage, never compromising on protection or quality. You’re never just a number to us – and when you need your insurance coverage to respond, it’s like having family in the business. Looking For Personal Insurance? We have strong relationships with the most competitive carriers you’ll find anywhere. These strong relationships help us get you the valuable protection you need, and the fast – responsive claims handling service you expect when you need us most.
Fender Bender
Fender BenderYou just ran into a pole going at a slow rate of speed.  Not much damage to the pole and your car has a minor dent in the fender.  Do you call your insurance and file a claim? Probably not a good idea. The more claims that you file the more it goes against you. Have you heard of the good driver discounts and accident forgiveness?  The more you file claims, the higher your auto insurance goes.  The more accidents, the higher the premiums, and pretty soon you can find yourself without insurance. According to Kristofer Kirchen, of the First Florida Insurance Network of Central Florida, “All fender benders are surcharged the same – whether $200 or $200,000. If your premium is $1,500 and you are surcharged 25 percent on top of a rating tier change of 10 percent, your premium will jump to $2,062.50 – a $562.50 increase. This will stay in effect for three years. Basically, you pay out of pocket either way.” The insurance company can choose to either
  1. Pay an accident surcharge
  2. Base rates could rise
  3. Lose any discounts you may have had in place.
The next time you get into a fender bender, fork out the cost of the repair and save your claim. R. David Bulen Insurance can help you navigate through your auto insurance needs.  Contact us today. Content provided by Transformer Marketing and http://www.moneytalksnews.com/2014/08/18/fender-bender-should-you-file-a-claim/
Lisa Mosby
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