Personal Lines Claim Stories

Posted on Mar 08, 2022
Personal Lines Claim Stories

Having adequate personal insurance is one of the best ways to protect you, your home, and your car from costly expenses due to unpredictable situations. At Otterstedt, we understand that most individuals highly appreciate the peace of mind personal insurance provides. 

Here are some examples of real-life stories of how we help our personal insurance customers navigate various unexpected happenstances.

Story 1:  

One of our clients had two cars on his personal auto policy, each with different deductibles. Unfortunately, one of the cars was involved in an accident. At the time of the accident, the car had a $250 deductible for a comprehensive claim and a $750 deductible for a collision claim. 

The car was totaled, and as a result, our client had to use a rental car until a replacement car was found. But as luck would have it, a bird hit the rented car, damaging it. The insurance company handled the damage as a collision claim when it should have been a comprehensive claim. This mistake made a big difference as to which deductible would apply. 

We spoke with a supervisor and advised them to switch the claim from collision to comprehensive. The supervisor agreed and changed it as requested; the client would have paid the $750 collision deductible had it not been for our intervention. 

At Otterstedt Insurance Agency, we’re not one of those insurance agencies that sell insurance policies and leave their clients wondering what to do when they need to file a claim. Instead, we’re always present even after helping our clients choose the kind of insurance they need. 

Our business model is based on building trust and value in every household. This further explains why we’ve been the leading insurance agency in New Jersey for over a century. 

We understand how stressful it is to shop for customized personal insurance. And that’s not all – we know how frustrating it is to pay for a policy you don’t even need. Unfortunately, this often happens when you choose a policy from a sales-oriented insurance agent over one that cares about you and everyone around you. Whether you need homeowners insurance, auto insurance, renters insurancelife insurance, flood insurance, health insurance, or anything in between, you can trust Otterstedt Insurance Agency to help you make informed decisions.

Story 2:

Our client’s vehicle was badly damaged in an accident in Arizona. The body shop said it would take several weeks to locate a specific part and finalize the repair. Since the client had 30 days of rental coverage on his auto insurance policy, he would have to settle the rest of the rental costs out of pocket every day. 

To prevent this, we obtained the part number, called local dealerships, and found the part. We then informed the body shop about it. As a result, the car was fixed within 30 days.

Our award-winning customer service sets us apart from the competition – we were recently named one of the Top 50 Insurance Agencies in the country. This is because we believe in helping our clients make informed decisions when choosing the right insurance, ensuring they experience the actual value of their investment.

We make the process of filing a claim less complicated and more satisfying. With Otterstedt by your side, you can rest easy knowing that we’re an insurance agency you can count on in times of a crisis. Although we only recommend insurance companies with easy claims processes and excellent customer service, we’re always ready to intervene if you need our help processing a claim. 

Renting a standard car costs anywhere between $50 and $100 a day. Without our intervention, our client’s car rental bill would most likely have exceeded the repair costs. That’s why you need an insurance agency involved in the decision-making process because such small decisions matter. Luckily, at Otterstedt, we’re more than just an insurance agency – we’re a friend in times of need. 

You Can Trust Otterstedt for Your Personal Insurance Needs

At Otterstedt, we’ve connected thousands of homeowners, tenants, and car and truck owners in New Jersey and beyond with the personal insurance policies they need to protect their possessions and finances. For over 100 years, our insurance agency has been the trusted choice for customers looking for competitive personal insurance rates tailored for their individual personal lives. 

So whether you’re a renter, homeowner, or SUV owner, talk to us here at Otterstedt Insurance Agency today to find the right personal insurance. 

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