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This is the most widely purchased of all P&C Insurance products purchased today in the country, although few drivers are familiar with the details of their particular policy. Sure, you can go with the cheapest plan and get just enough insurance to comply with laws, but as professionals and consumers ourselves, we advise all of our clients to acquire the most coverage for the best premium.
Automobile Insurance these days has become one of the most important insurances that you could carry. Experience has taught us to do the following: Have Liability Limits to cover your assets, shop for the best Comprehensive & Collision deductibles, and obviously buy the cheapest thing that you can. But, what if you sacrificed any of the prior two items for the price? Would you feel confident that upon a claim, that you’d have representation?
We have assisted clients in understanding that when you have low liability limits or even someone else does who cause harm to you, you are always at risk. If someone “totals” your vehicle, which is rather common these days in this current economy, and they have low limits of Property Damage Liability, you may be at a loss. Sometimes, the only way to seek the balance to the cost of your vehicle’s replacement may be to sue the individual outside of insurance, as their insurance company maxed out their limits, and they are “off the hook.”
Additionally, depending on the State you are driving, living, or insured in, there may be differences in coverages that are not commonly known. Personal Injury Protection is one example of how you yourself can seek medical payments in the event of injury. It can very confusing from the perspective of fault, negligence, and the existence of health insurance. Even getting a Rental Car for the time that your vehicle(s) may be under repairs for claims may be a daunting task. How much do you have to pay for the rental as you may have never actually rented a vehicle, may be an initial question. Or perhaps you may question the choice of repair facility you are required to go to. Obviously no two cars are alike, therefore no two repair shops must be alike either.
That’s the difference in dealing with an Agent and Broker that deals with insurance and insurance companies everyday, or dealing with a simple minded direct insurance company. Here at our agency, you can be rest-assured that you would be counseled on the proper limits and what the best price is for the particular risk, not to mention that you would have representation. During the claims process, you are entitled to a swift and accurate facilitation in order to “bring you whole again.” Of course, that is the root concept behind “insurance” to begin with.
We invite you to experience our reputation that transcends expectations of service.
Ernest is the third generation owner of the Del Duke Insurance Group. He grew up in the insurance industry, working in this field before, during, and after his undergraduate and graduate studies. He has been involved in every aspect of the company’s operations, growing it from two employees and one insurance carrier in 1997 to where it is today. Ernest holds a Bachelor of Science in Finance from Rutgers University School of Business, a Certification from Rutgers Supervisory Management Graduate Program, and the AAI accreditation from the Insurance Institute of America. He also has served as the Chairman of The Cherry Hill Chamber of Commerce, has served on the Board of Trustees for Sustainable Cherry Hill, and has served on the Board of directors of the Independent Insurance Agents & Brokers of Southern New Jersey. He currently is a member of the Camden County Chamber of Commerce Board of Directors, a member of the Delaware Valley Business Leaders Alliance, a member of Cherry Hill Township Mayor’s Business Council, a member of the Partnership for Haddonfield, and is involved with several school and local kids athletics associations in Haddonfield, where he and his wife Vanessa, two boys Andrew & Harrison, and dog Frank live.