1. The first tip is to examine your auto insurance policy to see if you need to  a) revise it,  b) reflect any improvements or c) changes that might affect your coverage needs.  For instance, did you buy another car? Did someone finally become legal to drive? It’s easy to overlook, thus, it would be a good time review these things with your Kernan Insurance agent.
2. Did you know that the state of Ohio has specific minimum coverage requirements that every driver must meet?  Yes, it’s true while getting the minimum amount of coverage will cost less, it may not provide enough coverage in the event of a serious accident. If you are involved in an accident and the costs of injury or damage are more than the coverage, you may be required to pay the difference. Ask your Kernan Insurance agent to find out just how much protection minimum coverage provides and the risks involved with only getting minimum coverage. Once you have done that, ask your  Kernan Insurance agent what the price difference would be to increase your coverage limits.
3. Talk with your Kernan insurance agent regularly to find out what the best coverage for you and your family and your family’s budget might be.
4. A good tip on saving money on a your auto insurance would be to increase your deductibles.
5. Another would be to drive safely and reduce the amount you use your car to reduce wear and tear.
6. Ask your Kernan Insurance agent about available discounts, such as a good driver or good student discount.
7. Call your Kernan Auto Insurance representative ASAP.

You can reach a Kernan Insurance agent a number of ways. 1) Call us at 614-764-0121,  2) email us at jtkernan@kernaninsurance.com or jump on the Kernan insurance website or stop on in our Powell, Ohio offices

Top five types of Ohio consumer complaints in 2008

1. Claim Denials 29.7%

2. Delays 16.1%

3. Unsatisfactory Settlement/Offer 13.4%

4. Cancellations 4.6%

5. Coverage questions 4.3%

Top five Ohio complaints by type of coverage

1. Accident/Health 41.2%

2. Auto 24.3%

3. Life and Annuity 15.1%

4. Homeowners/Renter 13.6%

5. Other Coverage 5.8%

Would you prefer to have a relationship that resulted in never complaining about your insurance company or your insurance agency? Call Powell, Ohio based Kernan Insurance today and see what real customer service is supposed to be like when dealing with an insurance agency or claim.

Powell, Ohio based Kernan Insurance Agency has the Preferred State-Wide Lottery Program in Ohio.  We can service all outlets including those just offering KENO. Since 1974, the Lottery has provided more than $16 billion to public education. Annually, we provide about 4.5 percent of the funding needed for public education — an effort shared by local, state and federal governments.
The Kernan Insurance Lottery bonding program features:

• Minimal Underwriting Requirements
• Single Page Application
• No Financial Statement Required with Good Credit
• Best Rates Available

Advance Insurance Planning Tips:

• Examine  your homeowners or rental coverage, as well as your auto insurance policies.

• Be sure you have adequate coverage and deductibles that you can afford and that cover you.

• A home inventory will assist in settling claims. Keep the inventory somewhere besides your house.

• Call Kernan Insurance as soon as you can. Be sure he knows how to contact you.

• If you can, do your best at trying to prevent any further damage but not at the risk of getting hurt.

• Closely check out your house and cars for damage. Take pics and document everything!

• If  you need to live somewhere else while your house is being repaired, check your policy for “loss of use“ coverage.

• Be sure everything is considered in your claim. Back up claims with written estimates.

• Be sure you call or email Kernan Insurance

10 things Ohioans should know about the their Flood Insurance, if they have it!

As Winter ends and spring storms near,  Ohioans better prepare for severe weather and possible flood damage. here is a list of things you need to do provided by your friends over at Powell, Ohio based Kernan Insurance Agency.

1) Check and read your  insurance policies to determine whether you are properly covered.

2)  Did you know that typical homeowners insurance policies do not include flood insurance.

3) Typical homeowners insurance policies are sold as separate coverage by licensed insurance agents even at Kernan Insurance!

4) You have to wait 30 days from the time you purchase  your flood insurance policy before the coverage becomes effective.

5) The National Flood Insurance Program (NFIP) provides coverage to communities that have enforced flood plain management ordinances.

6) In Ohio, the average annual policy cost is roughly $500 or more.

7) Flood insurance does not cover damage to property directly caused by rain that enters through an opening in  the wall or the roof.

8)  Traditional policies do not usually cover flooded basements caused by backed-up sewers or the inability of sump pumps to handle runoff water from major downpours. That’s not a flood.

9) Ohioans whose cars are damaged by floods are encouraged to contact their auto insurance agent(Kernan Insurance) to see if their auto insurance policy covers flood damage.

10) Contact Kernan Insurance here