Accidents are unplanned events that occur and can vary from rather simple to catastrophic. Being best prepared legally and financially lie within asking the right questions and having the best coverage before an accident occurs. We have ventured many times from having a local agent to having only an online presence and affiliation. We now realize there is great value and hopefully payoff to diving deep into the meanings of insurance policies and coverage as well as the incredibly important options that lie outside of standard or state minimum coverage. There is great value in knowing what options exist and the meaning of declining or accepting those options. Simple quote requests often do not keep the parameters of existing coverage, so one is left to seek those subtle differences rather than the mere cost. More than ever (in a sue-happy nation), the selection of proper and adequate coverage are paramount to protection. Before selecting Jeff Clark Insurance Agency, we examined the reviews, which was a plus. From the website, we then researched an agent to meet and discuss our coverage needs. We chose Brandon and have been very pleased with his responsiveness, thoroughness, friendliness, and insights to this area of specialty. We encourage others to do the same to truly understand the pros and cons of specific areas of coverage that may lie outside of one's current and assumed realms. To be protected when the inevitable occurs-a miniscule crack in a windshield to a catastrophic event-know the details of coverages. Superficially, a less expensive quote and quick switch may seem like a good choice, but when a claim is to be made or a lawsuit is presented, it is imperative to understand both home and auto policies and the underlying implications coverage or no coverage present. With the housing market increase and assumed home value increase, astronomical costs of a vehicle and medical care, and ever-present distracted drivers prepare as best you can should you be at fault or on the other side of the event. Agents specialize in the jargon and legalities of coverage; use this to your advantage when selecting coverage and policies. We appreciate the time spent in person with an agent to carefully analyze what we thought was adequate protection. Give Brandon a call to help you in determining the coverage and company best suited for your insurance needs; a lot depends on that decision should an accident occur.