Lansing Insurance Agency

Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. How do I obtain a quote?
  2. How can I make a payment?
  3. How do I submit a claim?
  4. I always hear about minimum coverage on T.V. What is that all about?
  5. What is a deductible?
  6. How do I make a change to my policy?
  7. Can I review my policy?
  8. Is my credit checked for insurance rates? And, what is an insurance score?
  9. What are some common special items I need to ask about being insured on my package policy?
How do I obtain a quote?
Call or e-mail our office and one of our friendly staff will obtain the information required to complete your quote. We will contact with your quote information as soon as possible. We quote with numerous companies to find the best coverage, at the lowest cost.

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How can I make a payment?
There are several convenient ways to make a payment. You can mail the payment to the company in the envelope provided with your bill. Some companies have a pay-by- phone option for checks or credit cards. Or you can stop by our office during office hours to make your payment.

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How do I submit a claim?
Progressive requires the policyholder to contact them personally regarding any claim. You can contact Progressive directly at (800) 274-4499. For any other company, please contact us by phone (740) 775-1143 to report a claim. You can also go to our company page for a direct link to the policyholder claim line offered by some companies. If possible, take measures to minimize additional damage until further instruction from the company adjuster. If you do not hear from the company in a timely manner, please follow-up by contacting our office.

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I always hear about minimum coverage on T.V. What is that all about?
The State of Ohio requires car owners to carry at least 12,5/ 25/ 7,5 coverage limits on each vehicle: $12,500 bodily injury coverage per person- per accident/ $25,000 total bodily injury coverage per accident/ $7,500 property damage per accident. Can you imagine hitting another vehicle valued at $20,000 and only having $7,500 of coverage? Also, with the rising cost of medical services, the limit amounts on your policy may quickly be surpassed. You may be responsible for any remaining cost over your coverage limits, putting your savings, home equity or personal assets at risk. For your protection, we recommend carrying higher liability limits than the state requires. If you carry a loan on a vehicle, the bank usually requires you also carry comprehensive and collision coverage.

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What is a deductible?
The deductible is the amount you agree to pay out of pocket for damage resulting from an accident or a specific loss claim. Choosing a higher deductible will lower your premium. Be sure to choose an amount you can afford to pay in the event of a claim.

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How do I make a change to my policy?
Please stop by or contact our office (740) 775-1143 during business hours to report any changes you wish to make to any policy. Please remember, some changes may affect the amount of premium charged for that policy.

Some examples of these changes are listed below:
  • Changing coverage/ deductible limits
  • Changing, adding or removing a vehicle
  • Adding or removing drivers in the household
  • Purchase or sale of homeowners rider items


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Can I review my policy?
It is important to review your policies and coverage annually or when you have circumstances that may change your insurance needs, i.e. marriages, divorces, driver status, teen drivers, title or deed changes, additional purchases or sales such as jewelry or art, installing a security system, job loss, etc. Reviewing your policies ensure your information is current and adjustments can be made accordingly.

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Is my credit checked for insurance rates? And, what is an insurance score?

An insurance score is a rating computed and used by insurance companies. This scoring represents the probability of a client filing an insurance claim during the coverage period. The score is based on the client’s credit rating and will impact the coverage premium cost. A higher score will result in lower premiums and a lower score will result in higher premiums. We do not see your credit rating, only your insurance score.



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What are some common special items I need to ask about being insured on my package policy?
There are some types of coverage that may not apply under a standard policy. Some examples of coverage include: rental car, towing, gap, road- side assistance, sewer/ drain back- up, tree removal, detached structures, off premise power surges, flood insurance coverage, and valuable jewelry, art, guns or collections. Operating an at- home business, covering non- family members personal property while residing in your home, and coverage for your children’s personal property while at college are also special circumstances that require special coverage.

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