In most states, the department of motor vehicles has a “point” system, which is used to track and measure your driving record. Generally, each type of infraction (moving violations, parking tickets, at-fault accidents, driving under the influence, etc.) is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record. The more points you have, the worse your record.
Typically, an auto insurance company has the right to review the driving record of anyone who applies for an auto insurance policy from that company.
There are two purposes for this initial review:
To determine whether you meet the insurer’s standards of insurability
To evaluate your risk potential (i.e., how much your insurance will cost).
Each insurance company has its own method of evaluating applicants. So the points on your driving record may have a direct impact on the rates you pay for auto insurance. This is one of the reasons why we shop among 40 different insurance companies and programs to find the best policy for you.
There are certain times when you can be relatively sure your insurance company will be checking your record. These include:
When you initially apply for coverage
When your policy comes up for renewal
If a review of your driving record uncovers negative information, your insurance rates may increase. Insurers typically have their own “point” system to calculate the increase (if any). Then we go to work for you to find you the lowest rate even with this negative information.
Lets talk about you for a minute – and what you deserve from people like us.
You want to save money… without spending your life learning the insurance business and shopping for the right policy. Research is our job. Leave that to us.
If you are a safe driver, you want to be sure you are getting the savings you deserve. You probably have no idea the discounts you may qualify for. We’ll show you.
If you have a bad driving record, you want to be treated fairly and respectfully. And you want the best policy for your current situation. We are proud to help you.
You want to pay on your terms. Maybe in small monthly payments by direct bill or EFT. Maybe you would rather pay by credit card – or in cash? We give you the choice.
You don’t want to be haunted by a traffic violation from years ago. Most insurance companies review the last five years of your driving before they will insure you. We only review the last three years of your driving record.
You don’t want to deal with the insurance company. We do it for you.
You want immediate service when you need it the most. We offer 24 hour claim service.
You want an expert as your own personal representative. Someone well-trained and friendly – who you trust to follow up with you quickly. That’s us. We’re open during lunch and in the evening to suit YOUR schedule. We’ll work with you by phone or email. Whatever suits you.
You don’t want to deal with an automated answering service or 1-800 numbers. We don’t want to jeopardize personal service just when you need it the most. You will get your own agent every time you call.
Let us make your life a little easier – and save you money at the same time.
Get a quote. And see how it pays to let us do the shopping for you.
And the customer of the month is… Linda D. from Louisa. We would like to congratulate July’s customer of the month and we hope you enjoy your gift card! Linda had only great things to say about the Insurance Doctor. She stated, “Always happy with the service and policies provided. Saved a lot of money over insurance that I had found on my own.” Don’t take her word for it though! Come in or call us to see what the Insurance Doctor can do for you!
We are very excited to announce that we have opened up a new location in Richmond, Va. at Short Pump. We are located just West of Short Pump Mall in the Towne Center Shopping Center behind Kanpai and Carpool. Stop by and say Hi to Marie McGinnis or give her a call at #804.249.4700. Our address there is 201 Towne Center West Blvd. Ste 708 Richmond, Va 23233.
You’re invited to join us today, Sept. 5th all day to celebrate our Grand Opening at our new Insurance Doctor Agency of Richmond location here at 7111 W. Broad St. Richmond, Va 23294. It’s on West Broad St. beside the Olive Garden. Come by for lunch, desserts and lots of giveaways!! Cornhole games with prizes too! Jessica with HOT 100.9 will be here from 4pm to 6pm so stop by and register to win NASCAR tickets for this weekend’s race.
For our clients that may be affected by the storm, the Insurance Doctor will do our best to be available to help you. However, if for some reason you cannot reach one of our offices and need immediate assistance, please contact your Insurance Company directly. Here is a list below of helpful phone numbers. Please be safe!
AIG (21st century) 1-877-244-4288 claims #1-888-244-6163
Alfa Vision/Specialty 1-877-384-7466 claims #1-877-584-7466
Assurance America 1-800-450-7857 claims #1-888-580-8134
Bankers 1-800-954-2442 claims #1-800-954-2442
Bristol West/Foremost 1-888-888-0080 claims #1-800-274-7865
Foremost Specialty 1-800-527-3905 claims #1-800-527-3907
GMAC 1-877-468-3466 claims #1-800-468-3466
Hartford 1-800-624-5578 claims #1-800-771-855
Mendota 1-800-422-0792 claims #1-800-422-0793
Omni 1-866-300-6433 claims #1-800-727-6664
PGAC 1-800-280-1466 claims #1-800-280-1466
Safeco 1-877-566-6001 claims #1-877-566-6001
State National 804-267-1528 claims #1-866-927-5524
Travelers 1-877-872-8737 claims #1-877-872-8737
Victoria 1-800-813-1296 claims #1-800-926-3168
West VA Nat’l 1-800-800-5440 claims #1-800-800-5440
Victoria Specialty Lines 1-877-877-7907 claims #1-800-926-3168
The Insurance Doctor is always seeking individuals who can produce results and those who want to become the industry’s most successful and highest paid professionals. If you can build and maintain an exemplary level of relationships, sales and customer loyalty, you’ll be looking at your best years ever with a company that has been in business for over 25 years. If you have a proven past record of exceeding sales goals and successful customer relationships, excellent multi-tasking, basic computer and organizational skills please fax your resume to #866-901-0471 or email it to careers@myinsurancedoctor.com . Candidates must be licensed in property and casualty or be able to obtain their license within 30 days-bilingual a plus! With 16 different office locations, we are constantly growing with opportunities! Great pay plus benefits and 401K. If you are ready to start your career with us or would simply like more information, please let us know!