Georgia commercial or owner operator truck insurance is important for protection against crippling financial loss from an accident or theft. Without it, a few serious accidents could wipe out an otherwise thriving trucking business. But signing on the dotted line with an insurance provider doesn’t mean it’s worth the premiums you pay. There are too many insurers who fall short of providing the service you require at affordable rates. If you experience or notice the following signs with your provider, you should search for another:
The Policy Has Exclusions That Deny You the Very Coverage You Need
Some truck insurers shouldn’t be in the insurance business because they’re too risk averse. By peppering their coverage with all kinds of exclusions, they pass on the risk to their customers while benefiting from their premium payments. There are three ways of learning if you’re in this situation: They tell you up front but you sign up anyway, you find it yourself in their fine print, or you learn the hard way after an accident that you aren’t covered.
No Customer Support
When you’re paying sizable premiums, you would expect that they would have something as basic and necessary as customer support. A FAQ page, email address, or phone answering software aren’t enough. Back and forth email messages take too long to resolve complex issues. If your problem isn’t listed in the FAQ page, you’re out of luck. Likewise, phone answering software is useless if your situation doesn’t fit into the questions that it’s programmed to answer. They must have a phone number with a human being waiting on the other end.
While there are still many small business holdouts without a website, any business that purports to provide a service as important as commercial or owner operator truck insurance should have one. Their lack of a website probably means they lack common conveniences such as online bill paying and contact forms when you need to communicate during off hours.
You Aren’t Satisfied with Your Coverage
If for any reason you aren’t happy with your insurance provider, don’t allow misplaced loyalty to keep you with them. If they don’t provide you with what you need, find another that will. Customer satisfaction is that important.
Are you dissatisfied with your current Georgia commercial or owner operator truck insurance? If you are looking for better coverage at more affordable rates, contact us at J.E.B. Insurance Services today.