Kelly Insurance Ageny Information

01/02/09 - Coverage for �Other Drivers� on Rented Vehicles

by Diane Fikany of Encompass Insurance

When a customer rents a vehicle as a temporary replacement of his/her owned vehicle, the coverage automatically extends to cover this rental. However, contrary to the insured�s own vehicles, there is no coverage for �permissive use of non-owned vehicles.� Therefore, if our customer allows the rental vehicle to be driven by someone other than a driver listed on the policy, there will be no coverage allowed for any loss that occurs.

12/02/08 - Phone scam targets insurance policyholders

The Ohio Department of Insurance has confirmed an on-going scam targeting insurance policyholders. According to the ODI, the scam is currently targeted primarily at auto policies. In this scam, the caller alleges that "there was a problem with your insurance payment" and asks for confidential information such as bank account numbers, birthdates, SSNs, etc. The call often includes a threat that "your coverage will lapse" if the customer does not comply.

You can read the full ODI press release at www.ohioinsurance.gov.

11/10/08 - Holiday Hours

Kelly Insurance Agency, Inc. will be closed on November 27 and 28 in observance of Thanksgiving Day.

If you have a claim or need immediate service, please call the telephone number on your ID card.

Have a Happy Thanksgiving!

10/16/08 - Dog Bite Claims

If you've ever wondered why home insurers ask a lot of questions about your pets, consider the following statistics:

Dog Bite claims cost insurers $356.2 million in 2007
That's an increase of 10.5% over 2006
The average dog bite claim in 2007 was $24,511
Dog bites now account for one-third of all homeowners insurance liabiliy claims

This information was reported by the Insurance Information Institute. A more in-depth article can be found here.

09/23/08 - Auto Insurance & Diminished Value

There is a concept with regards to damaged property - notably auto insurance claims. Even once repaired, the property (i.e. your automobile) isn't worth as much because it has been repaired. It might look exactly the same as before the accident. It might work exactly the same as before the accident. But you probably won't be able to sell it for as much as you could have immediately before the accident.

This situation is known as diminished value and it definitely exists. At Kelly Insurance, we understand this and respect that you may have questions about it. Please note, however, that this is a matter for the legal system. Insurance agents (at least in Ohio) are silenced on the matter because of our contracts with our companies and the legal precedence that could be implied if anything is mis-stated.

For a better description of diminished value, here is an article that does a great job describing it.

If you feel you have a diminished value claim, please communicate directly with your claim adjustor or seek legal help.

Kelly Insurance Agency, Inc. has proven time and time again that our customer's needs come first. Utilizing technology, a strong emphasis on quality, and good old fashion work ethic, we've successfully stayed on top of ever-changing business conditions. We maintain an extensive list of insurance companies to ensure that our valued customers can feel confident in our ability to satisfy their needs at the right cost.