Peace of Mind:
The Car Accident
Thanks to the expertise of our agents, our client was able to successfully defend himself against false accusations stemming from a car accident. We provided him with the proper documentation needed to defend himself in court & navigate through this complicated claim. Though he did not have legal counsel, our support helped defend himself successfully.
“Without LMG, I would have lost in court. Their experience proved invaluable in my fight.”
The Incident & Resolution
Late on a Friday, our phones rang with a call from Joe, a longtime client. He had just been involved in his first accident in 20 years. A woman parked on the side of the road opened her vehicle door into the roadway where he inevitably struck her door. After hearing the details, we instructed him to exchange insurance information with the other party, take photos of the damage on both cars and wait for the police. When the police arrived, Joe was able to clearly articulate the circumstances of the incident. The other party received a citation and Joe reported the accident to his insurance company as ‘not at fault’, confirmed by the police report.
What Happened Next
What seemed like an open and shut case turned out to be anything but. In the course of his company’s research and speaking with the other party the adjuster reversed their decision. This left Joe as the responsible party. Joe, understandably frustrated, confused, and worried, was so relieved when Lisa called to check in. He explained the situation and she immediately took action.
How We Supported Joe
Lisa had a regional manager review the case, police report and photos of damage. In the course of the audit, the manager determined that the adjuster did not consider all factors.
Joe also mentioned his upcoming court date and we provided him with a current copy of the police report as well as some of the evidentiary photographs of the cars.
The Resolution
Due to the agency’s actions the insurance company immediately stopped payment on the check sent to the other party for their damages. Our team effort not only protected our client; but, our company partner too.
Joe was able provide concrete proof of his innocence during the court proceedings.
Customer Retention
Solutions for Multi-State Client
As experienced agents with clients that own property in multiple states, we work diligently to be a solution across the country for all of their personal property and casualty needs.
Our Coverage Map
The Move, The Build, & The Solution
The Background
This client had been with her financial advisor for many years when she decided to sell her home out west and relocate to South Florida. Her advisor knew she would need LMG’s expertise during this transition and helped facilitate the introduction. Although her plans were already set into action by the construction of a dream home in Florida, she was unaware of the potential gaps this created within her insurance portfolio.
The Gaps We Needed To Close
By canceling all of her policies out west, she was now vulnerable to lawsuits, automobile accidents &/or other incidents that would create a financial obligation for her and the family. She was immediately in need of a personal liability policy that would not require to insure her contents, as those were in insured by the storage company.
She also had an appointment to register her vehicles within 48 hours in Florida but had not yet purchased Florida automobile insurance.
A homeowners policy in the future to insure her new home.
How We Solved The Problem
Because of our knowledge and expertise, we knew how to find a solution that would provide her with premises liability and automobile coverage only.
With the assistance and understanding of our trusted advisor and our company partner, we designed a custom policy to fit her current insurance needs!
By securing architectural plans, a wind mitigation and flood elevation certificate in advance allowed LMG to secure an all-in-one competitive solution and provide a full suite of services.