SR22 Insurance

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We understand that unfortunate situations sometimes occur while people are behind the wheel. Maybe, for instance, you have been involved in a huge number of collisions. Or, perhaps, you were found to be driving while under the influence. Both of these issues can lead to you have a suspended drivers license in Missouri or Kansas. If your license has been suspended, you need to obtain an SR22 certificate as soon as possible. At A1 Insurance on Wornall Road, we specialize in helping individuals get this sort of auto insurance. Having a suspended drivers license in Missouri or Kansas doesn’t mean that your life is over; you can get back on your feet! Contact us soon about your SR22 certificate needs.

SR-22 Experts

SR-22 certificates are a major part of our business. When a person has their driver license suspended for tickets, DWI, uninsured accident, or No insurance, we send a numbered form recognized by States as form SR-22. This form not only tells state insurance policy meeting at least minimum state requirements was purchased, but also is in force.

At any time if insurance is dropped, a notice is sent to state informing of such, and that may jeopardize that person’s privilege to drive a vehicle. We have a big advantage over standard carriers, as we represent many companies that will provide this form at a very competitive price. We use comparative rating software that rates 10-15 companies at once to provide us with the lowest price possible. And we can pass the savings on to you!

We fax SR-22 to the state right away to ensure the processing of reinstatement of drivers license ASAP.

You Kansas City Insurance Experts

A1 Insurance Insurance writes all lines of business, but our main focus is Auto and Home insurance for people who need special attention with their insurance decisions. We insure anything that moves (auto, motorcycle, jet ski, motor home, etc). We also insure any Commercial auto, property, or liability situation. We are experts on people who need SR-22 assistance and are willing to work with all individuals in all situations. Give us a call today and we will be glad to see if we can help!

Cut your Insurance Cost in Kansas City

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A1 Insurance in Kansas City was formed from a desire to provide personal insurance products for our clients that filled their specific needs at a competitive price with the best possible service. We want our clients to feel our value is unbeatable as an insurance provider.

We are a referral agency, which means that every client came to us because we satisfied the insurance needs of a neighbor, family member or a trusted service provider they did business with.

Referrals are earned by always doing what is best for our customers.

You can count on our knowledgeable agents to provide the assistance needed in selecting appropriate coverages for you and your family. It’s not about ‘selling a policy’; it’s about making sure your family has the correct coverage available when it’s needed. We will not recommend coverage that is not needed that may unnecessarily increase premiums. Service is what immediately separates us from other agencies. Our local office is staffed by our dedicated agents Monday through Friday from 9:00 to 6:00 (Saturday 9-12) with personal appointments available evenings and weekends. Whatever your schedule requires, we will work with you by phone, email, or in person to provide the service you need.

How We Can Save You Money

A1 Insurance is an Independent Insurance Agency representing many different insurance companies for your insurance needs. We carefully select our carriers in order to provide you with the best level of service, price and coverage. As independent insurance agents, you have the ability to choose the best carrier for your insurance needs. That is the main advantage to using an independent insurance agency, we work to satisfy your needs.

Our goal is to educate and service the Kansas City community and throughout the states of Missouri and Kansas. Through our independence, we strive to educate the community on the best options for their insurance needs. We can provide an assessment of your insurance needs with a choice of which package fits you best.

We are dedicated to providing our customers in KC with the best coverage at competitive rates. Just make one call to our agency, and we can shop your coverage through many top rated companies. With our professional staff, we can be your liaison with the insurance carrier in the event of a claim. We work for you, not the insurance company.

Business Insurance in KC

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Insurance coverage that protects your company – so you can get back to business

As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that take care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.

Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, A1 Insurance in Kansas City can design a protection program that’s right for you.

A1 Insurance knows business in KC

You can find our office off Wornall, and our clients all around Missouri and Kansas. As an independent insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.

We’re proud members of the local Kansas City marketplace, and we’re committed to being an advocate for you and your business in times of need.

Our commitment is to serving you

A1 Insurance knows that in Kansas City, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today.

Kansas City Home and Auto Insurance

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Why Choose Us?

Think about this for a second, where are the loyalties of a salesman that works directly for the insurance company? That salespersons job is to sell you insurance from that company whether it’s right for you or not. That poses a bit of a moral dilemma for the agent who is supposed to be looking out for you or your business.

We sit on the same side of the table as you, not the insurance company. We are the anti-insurance company. I know…..that statement isn’t going to score us any points with the insurance companies. But our job is to make them fight for your business. We serve as your personal insurance advisor and the best part is, you don’t pay any more money to access our service.

Some insurance companies, you know the ones that spend millions to run TV and radio commercials every 5 minutes, are depending on your blind loyalty because your family has been with them for 30 years. What they have really done is morphed into marketing companies. They are showing decreased market share and poor claims experience. Why is this happening? With the use of the internet and information readily available the consumer has become educated, and the fat cats are being exposed.

Going Beyond Your Traditional Insurance Brokerage in KC

Communication and information are what the consumer is craving most. Technology is great, and a quote in 30 seconds is convenient, but having to speak to a call center is proving to be ineffective and frustrating for consumers. Technology can be a great tool, but not all insurance companies use it in a way that enriches the client experience.

A1 Insurance leverages the very best technology and know how to apply it to provide you with a “WOW” experience, and we back it up. How do we do this? Quite simply, we listen to our clients and measure results. By always listening and learning from what our clients are saying, we are able to consistently and reliably improve our client experience while developing meaningful relationships that last a lifetime.

The Importance of Relationships

Our mission at A1 Insurance in Kansas City is to keep you as a client for life. We understand the insurance industry is a competitive one, and if we don’t exceed your expectations we will lose your business. We truly care about protecting you and your family because it’s our passion and the reason why we do what we do. There’s not an 800 number or call center that’s going to provide you with that type of relationship.

At A1 Insurance we make insurance easy. Whether it’s your home insurance and auto insurance, or business insurance, we have the experienced staff and tools to get the job done. We take it personally if you’re not satisfied.

Our Promise to You

If we fail to exceed your expectations and “WOW” you with our service we’ll gladly forward your insurance policy to a new agent. It’s that simple. We hold ourselves accountable and deliver on our promises.

Automobile Liability Insurance

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One of the most frequent inquiries A1 Insurance in Kasas City receives is regarding automobile liability insurance policies. Policyholders want to know what they cover, how claims are determined and paid, and advice regarding issues between repair facilities and automobile liability insurance companies. This is a summary of information, regulations and state law as it relates to the payment of claims and payment to repair facilities.

Types Of Claims

There are two types of claims that can be made under an automobile insurance policy: either a first-party claim or a third-party claim. First-party claims are claim filed by the policyholder, such as Uninsured Motorists (UM) coverage, medical payments and collision/comprehensive coverages. Third-party claims are claims where the policyholder is at fault, such as liability and property damage coverages. It is important to note that an insurance company has a greater duty to the claimant in third-party claims than in first-party claims.

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An insurance company may not dictate to you where you must have your repairs made. An insurance company may recommend that repairs be made at a designated repair facility where they have a contractual relationship; however, payment of the claim may not be conditioned on the use of a particular repair facility. Also, an insurance company cannot refuse to pay a claim because the repairs were made at a particular repair facility.

Measure of Damage

The damages that may be recovered under an automobile claim is defined in the policy and is often the actual cash value of the property immediately prior to the loss, or the amount necessary to properly repair the damage.
Most policies will provide for two (2) different manners for recovery by the policyholder:

  1. Insurance company pays for the loss; or,
  2. Insurance company repairs the vehicle.

Policyholders are encouraged to read the policy to clearly understand what the insurance company will pay under the policy. Any dispute regarding whether the insurance company has paid in accordance with the policy is a question of fact. A question of fact is to be determined by the finder of fact, which is either a jury or a judge.

Amounts to be Paid

By law, the most an insurance company shall be required to pay for the repair of the vehicle or repair or replacement of the glass is the lowest amount that such vehicle or glass could be properly repaired or replaced by a contractor or repair shop within a reasonable geographical or trade area of the insured. Most insurance policies actually provide for greater payment than what is statutorily required by providing that the insurance company will pay the median or average amount to properly and reasonably repair or replace within the policyholder’s geographical or trade area.

In preparing an estimate, an insurance company will base the amount it will cost to properly repair the vehicle on the insurance company’s set hourly rate pursuant to policy terms. This estimate will be provided to the policyholder before repairs are made. The insurer’s hourly rate must conform to statutory law.

A policyholder may choose to have the repairs made at a repair facility that charges more than what the insurance company has agreed to pay. Insurance companies do not set repair facility hourly rates so there may be a difference between the two rates. In that instance, either the repair facility will agree to make the repairs for the amount in the insurance company’s estimate or the policyholder will have to pay for the difference.

Policyholders should be aware of and address any potential differences between the insurance company’s and the repair facility’s estimate before allowing the repair facility to begin to repair the vehicle.

If additional damage is discovered in the repair process, the insurer will inspect the vehicle before agreeing to the repairs. After it is determined these repairs are needed and covered under the policy, a supplemental check will be issued to the repair facility to cover these additional costs.

SR22 Insurance Information

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SR22 Insurance Information

An SR-22 certificate of financial responsibility is generally referred to as insurance, but it is actually a special document that is purchased from insurance companies and does not provide any insurance coverage at all. The form is a consequence of a serious traffic offense, such as a DUI or reckless driving charge. It can also be sentenced against you if you are convicted of driving without proof of insurance. If you have been instructed to purchases an SR-22, you have to keep it for the duration of the sentence, in addition to your regular car insurance.

You can be required to have SR-22 coverage even if you do not currently own a car. This usually happens in situations where multiple convictions for the same charge have already been leveled and there is no confidence in your ability to refrain from driving a vehicle. In this case, the judge or DMV can order you to carry SR-22 coverage to make sure that you will have the required insurance even if you are driving illegally.

When you have been ordered to carry an SR-22, it is purchased through A1 insurance company, and we notify the DMV that the certificate has been issued. If you allow the SR-22 to lapse, we are required by law to report it to the DMV and your license will usually be suspended or revoked.

Remember, you will still need to carry at least the required state minimum insurance in addition to the SR-22. The SR-22 simply stats that you are in compliance with the law; it does not eliminate the need to buy the coverage required. The bottom line is that being required to carry an SR-22 will not do anything except keep you in compliance with the law, and even that requires you to have any other car insurance coverage necessary in your state.

Renters Insurance Can Save You Huge Headaches

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You don’t own the building, but you own all your possessions inside it! Disastrous weather and theft can rob you of your belongings, which are probably worth more than you think.

Renters insurance also covers your liability if someone injures themselves in your home. Learn more about the liabilities you have as a renter, and how to get the best coverage for the best price. Renters insurance is too affordable to pass up!

Coverage Options
How much would it cost to replace all your furniture, electronics, clothing, and household items? You can inventory your property using the Home Inventory Checklist and estimate their replacement cost. There are limits for special categories of property, like money, jewelry, and firearms, so be sure to discuss what you own with your agent.

What happens if your apartment building burns down and you have no place to live? Your renters policy also contains Additional Living Expense coverage while the building is repaired or you relocate elsewhere.

You also have limited coverage if you improve the building during your tenancy (for example, adding built-in shelving that stays with the apartment). And you can request additional coverages like Credit Card Forgery, Identity Fraud protection, and Special Computer Coverage.

Review Your Policy
If you make an exciting purchase like new furniture or TV, or you decide to move into another apartment, make sure you keep your A1 Insurance agent in the loop. They will make sure you have adequate coverage for your property in case the unexpected happens.

Switch Now and Get Affordable Personal and Commercial Auto Coverage

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Work with A1 Insurance in Kansas City

Whether you need only liability or comprehensive coverage, make sure the policy you’re paying for matches your needs and budget by trusting the independent agent at A1 Insurance.

We’re able to shop a variety of insurance carriers to find your perfect auto insurance plan so you can rest easy knowing you’re protected from uninsured motorists or legal fines for not being insured. We’ll look over your driving history and current auto coverage policy before looking at multiple carriers to find the policy you’ve been searching for.

Besides personal and commercial auto coverage, you can also count on A1 Insurance for:

• General liability
• Commercial auto
• Bonds
• Workers’ compensation
• Life insurance
• Homeowners insurance

Don’t drive around Kansas City uninsured and put yourself at risk – call A1 Insurance today for an auto coverage quote.

Don’t Risk Your Biggest Investment With a Poor Insurance Policy

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Don’t Risk Your Biggest Investment With a Poor Insurance Policy

Protect yourself with a plan from A1 Insurance. We serve both Missouri and Kansas residents.

Are you worried you’ve put your home at risk by not carrying adequate, or any, insurance? If you want to affordably insure your home and items from a disaster, count on A1 Insurance Agency to shop multiple carriers and find the perfect policy for you.

Not only is homeowners insurance usually required by either the state or the lender, these policies shield your biggest asset from a variety of problems, including:

  • Loss from a natural disaster
  • Lawsuits from parties injured on your property
  • Damage caused by sewer backup (with supplemental insurance)

We’ll look at your present home insurance policy and current circumstances before shopping around for a plan that meets your needs and budget. Besides homeowners coverage, A1 Insurance in Kansas City can also find plans for:

  • General liability
  • Commercial auto
  • Personal auto
  • Bonds
  • Workers’ compensation
  • SR22

Count on our independent agent for personalized customer care and great insurance plans. Call A1 Insurance Agency in Kansas City today to start the insurance shopping process.

Features of a Good Business Insurance Policy

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Securing sufficient insurance coverage is one of the most important things you should worry about when establishing any profit-making venture. Fortunately for aspiring entrepreneurs, there is a business insurance policy available for any risk that your business might encounter. Business-specific insurance coverage policies include coverage for different work-related risks that may result in devastating financial loss, damages, and lawsuits against your enterprise. If you are a business owner, taking out a business insurance policy is equal to protecting your investment from unexpected events that could cause these losses, ranging from theft to catastrophes like fire, accidental damage, natural disasters, and more. Since risk is present in any business on a daily basis—regardless of the industry you are working in or the size of business you are managing—acquiring proper business insurance is critical to business management. As such, there are certain important features that you should look for in a good business insurance policy: coverage for various risks, a selection of coverage options, and specialized policies for the unique features of the business you own.

There are many different types of small business insurance policies you can choose from, depending on the type and nature of business activities you engage in. some insurance policy features may be mandatory for your type and size of business, depending on where you operate or where your business is based. Some common types of insurance policies include but are not limited to:

  • Public and products liability
  • Professional indemnity
  • General property
  • Material damage
  • Theft
  • Business interruption
  • Money
  • Glass; and
  • Personal accident

There are also common business insurance claims that are made by small businesses, ranging from slips and falls, accidents, property losses, harassment, and natural disasters, all of which can escalate to serious problems for a business.