Rodney D Young Insurance

Local DMV Keeps a Record of Every Traffic Incident, According to Rodney D Young Insurance

 

Anybody who has records of the at-fault incident is at risk of driver’s 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; the cancellation is the most common solution as the points exceed insurers’ allowance threshold. Drivers with high violation points tend to ask for costly recurrent payouts, leading to a financial loss on the insurer’s part. For an insurance company, cancellation prevents the possibility of frequent or expensive claims in the future.

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

Rodney D Young Insurance Is Not an Insurance Agency

 

Rodney D Young is an auto insurance company that sells and underwrites policies in at least 12 states: 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 that market their business online or through aggressive captive agents, Rodney Young Insurance has its agencies in public areas, for example, grocery stores, shopping centers, office buildings, street corners, and easy-to-reach regions. The company places the agencies in small and large towns and focuses on locations people visit daily.

The company offers easy approval because the company does not ask for detailed records of previous incidents and credit scores. It takes only primary personal data such as name, age, address, profession, 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 of 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 requirement to include in an auto insurance policy, while others have drivers purchase Personal Injury Protection. Each state also has different limit requirements, and Rodney D Young Insurance ensures that every policy it underwrites complies with the law.

• Collision and Comprehensive: both of them are optional purchases. Collision covers the expense for vehicle repair if damages result from road accidents or collisions with objects on the road. If damages result from non-collision causes such as falling objects, vandalism, fire, hail, theft, or contact with an animal, Comprehensive coverage provides the payout for repair. Comprehensive is for vehicle repair too, but for different perils.

• Medical Payment: this is another form of health insurance that only applies to 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 the Direct Repair Program. The company collaborates with numerous repair shops to help policyholders file claims for vehicle repairs. With the Direct Repair Program, policyholders enjoy some advantages as follows:

• Rental Reimbursement: Whether the policyholder has Rental Reimbursement coverage, the shop will provide a rental vehicle for policyholders to use in case their cars are under maintenance or not drivable.

• Repair Warranty: warranty for repair is for a 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 the claim process.

 

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

Easy access to Rodney D Young insurance is the most important because they can directly ask questions and file claims for many policyholders. In the event of an accident, there is always an agent nearby to help solve any possible dispute. The agents are easy to find, with more than 700 offices in public places.