I have been with him since around 2013 when he was Farmer insurance, then he stopped and came back…read moreas creative element insurance, I moved over with him because he was a family's friend, he insure my family cars (5-7 cars) stopped a couple years ago , but my homes and my auto repair shop business still with him, I trusted him completely, I relied on him to make sure I am covered, that was a BIG MISTAKE!
This Oct. on a road test of customer's car,I got into a fender bender , very small accident,I referred the other party ( the car I hit) to my insurance for their damage, a week later, he called and told me that because I do not own a company car and did not carry commercial car liability insurance, the claim is denied, I will have to pay out of pocket,and advise me that if I want to test drive customer's car in the future, I will need to get a company car add this coverage for an additional $1,600+, I was puzzled, I pay over $4,000 for my shop insurance, I thought I was fully covered.
I came to find out that due to incompetent or carelessness , he did not add NONE OWN VEHICLE coverage on my policy, which my former broker informed me that with most insurance company, this is included or added with general shop liability insurance at a very minimum charge or free, NOT $1,600+. instead of being honest and admit to the mistake , he tried to sell me more insurance that I don't need. I trusted the wrong person.
Please double and triple check the policy he sells you to make sure you are covered,and is what you needed, I made the mistake of trusting him , now I will be paying dearly.
ST.
