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Rodney D Young Insurance

rodney d young insuranceAll drivers in most states in the U.S. have an obligation to purchase auto insurance or at least the state’s minimum coverage requirement. Possession of cars comes with the responsibility to drive the vehicles under safety guidelines and always in obedience to traffic laws. One of the most important things is that drivers should not put others in risk of collision and injuries. Auto insurance is obligatory as preventive measure in case accident happens so that the at-fault party (one that causes the accident to happen) is able to cope with the financial burden of vehicle repair and medical cost for others.

Local DMV keeps record of every traffic incident according to Rodney D Young insurance

Anybody who has records of at-fault incident is at risk of driver license suspension and insurance policy cancellation. Insurers can ask for the records from DMV, and they do this at least before every policy renewal process. More records translate to higher driver violation points; as the points exceed insurers’ allowance threshold, cancellation is the most common solution. For insurance company, cancellation prevents the possibility of frequent or expensive claims in the future. Drivers with high violation points tend to ask for recurrent expensive payouts which lead to financial loss on insurer’s part.

After cancellation, the driver can expect difficulties when he/she tries to find new insurance company. A record of cancellation indicates that the driver is high-risk to insure. Application denial is not uncommon, but there is always non-standard insurance market to help. Rodney D Young Insurance is one of few companies in this type of market; the company specializes on high-risk drivers, even those with high violation points on their DMV records.

Rodney D Young Insurance is not an insurance agency

It is an auto insurance company which sells and underwrites. It is an auto insurance company which sells and underwrites policy in at least 12 different states as follows: Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, New Mexico, Nevada, Ohio and Texas. As of 2016, the company hires more than 5,200 employees in more than 700 branch offices across all those states.

It is an auto insurance company which sells and underwrites policy in at least 12 different states as follows: Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, New Mexico, Nevada, Ohio and Texas. As of 2016, the company hires more than 5,200 employees in more than 700 branch offices across all those states.

Unlike most companies which market their business on the Internet or through aggressive captive agents, Rodney Young Insurance has its agencies in public areas for examples grocery stores, shopping centers, office buildings, street corners, and easy-to-reach areas. The company places the agencies in both small and large towns and focus on locations where people visit on day-to-day basis.

The company offers easy approval because the company does not ask for detail records of previous incidents and credit score. It takes only basic personal data such as name, age, address, professions, car model, and previous insurer. Rodney D Young Insurance  offers these coverage types:

  • Liability Coverage: it covers property damage and medical cost of other parties (not the policyholder) who are not at-fault in an accident. The payout goes for vehicle repair and the cost for medical treatments. This is the obvious form of financial responsibility that all drivers should have.
  • Personal Injury Protection (PIP): this coverage is for the policyholders in case of accidents. The payout covers many things such as medical expenses, caregiver services, and lost wages due to incapacity from injuries. Drivers and passengers are eligible recipients.

Some states use only liability coverage as the minimum coverage requirement to include in auto insurance policy, while others have drivers purchase Personal Injury Protection as well. Each state also has different limit requirements, and Rodney D Young Insurance makes sure that every policy it underwrites complies with the law.

  • Collision and Comprehensive:both of them are optional purchase. Collision covers the expense for vehicle repair if damages are results of road accidents or collision with objects on the road. Comprehensive is for vehicle repair too, but for different perils. If damages are the results of non-collision causes such as falling objects, vandalism, fire, hail, theft, or contact with animal, Comprehensive coverage provides the payout for repair.
  • Medical Payment: this is another form of health insurance, but it only applies for road accidents. In some states, Medical Payment becomes applicable only after the driver’s medical insurance reaches its coverage limit.

Direct Repair Program
Another benefit is the availability of Direct Repair Program. The company collaborates with numerous repair shops to help policyholders file claims for vehicle repairs. With Direct Repair Program, policyholders enjoy some advantages as follows:

  • Rental Reimbursement: whether or not the policyholder has Rental Reimbursement coverage, the shop will provide rental vehicle for policyholders to use in case their own cars are under maintenance or not drivable.
  • Repair Warranty: warranty for repair is for lifetime or as long as the policyholder owns/leases the vehicle. Normal wear and tear is not part of the warranty.
  • Automatic Payment: the repair shop sends the bills to the company to simplify claim process.

In 2013, the company insured more than 600,000 drivers in multiple states and wrote policies worth over $500 million. The fact that the agencies are in easy-to-reach locations in big and small towns allows for direct communication between the insurer and policyholders. It also means that all agencies are, in essence, local agents who understand local risks and real market conditions.

In the event of accident, there is always an agent nearby to help solve any possible dispute. With more than 700 offices in public places, the agents are easy to find. For a lot of policyholders, easy access to Rodney D Young insurance is the most important thing because they can ask questions and file claims in direct manner.