Each person's coverage is detailed whether it be for liability, or personal injury protection, uninsured/underinsured motorist, obel, comp or collision unfortunately these coverage's are not a one size fits all! Each person's needs of coverage are discussed. You will be counseled to a level so that YOU will be able to participate with knowledge on the limits of coverage YOU desire.
Each person's needs are looked at individually.
Yes, all licensed and or permitted operators need to be listed.
We ask that all accidents be reported to us. Please ask for a police report if one is done. Get witness names, address, and telephone number. We ask that you obtain the other operators insurance information including name of insurance carrier, agency name, policy number, and their own name, address, and telephone number. Were there any injuries? Where is your car? Was it drivable? Will you miss any work?
Most companies will pay for factory OEM parts provided the vehicle is one year old or newer.
Yes. Additional coverage will be necessary when you lease that will cover the difference between the pay off of the vehicle versus the depreciated book value. Also lease agreements usually require you to carry higher liability limits
Full replacement is less expensive to purchase per thousand. Meaning you can buy more coverage for less money. It simply means that in the event of loss the insurance company can't withhold for depreciation. Actual cash value policies pay all claims including depreciation in all settlements. Actual cash value, is a highly recommended form of coverage for those properties where the value of the property may be low versus the replacement cost being high. For example a landlord purchases a two family 3,000 square foot home for $100,000. In order to replace the home the insurance company calculates it would take approximately $450,000 to replace or rebuild it, and would mandate that if replacement cost were being applied for, that you would need to purchase insurance for the same amount of $450,000. Otherwise one would like to insure it for $100,000 they would be advised that an actual cash value policy is all that would be available.
Each policy is written differently. On a form 1, aka a basic form, it only covers basic perils such as fire and lightening, and vandalism. On a form 2, aka a broad form policy, it affords the same coverage's as the basic but only more perils are added. Perils such as wind, hale, weight of ice and snow, breaking pipes etc. On a form 3, aka special form, even more perils are covered making this one of the most desirable forms of insurance to own.
Most companies offer very similar deductibles such as $500, $1,000 or even $2,500
Yes. Please notify your agent prior to the purchase of either of these, as either could have a major impact on your coverage.
In most cases it is always best to have your jewelry specifically listed on your insurance policy. Most policies have severe limitations on all and any collectibles not limited to jewelry, guns, and fine arts.
No. At Mancino Insurance we are a full service insurance agency that handles all aspects for our customers, not limited to applications, cancellations as well as billing.
At Mancino Insurance we handle this transfer for you we notify your bank of the change of insurance and get the bank all the updated information they need.
No we will handle all of this for you we will notify your current carrier of the cancellation we take care of it all at our agency.
With over 30 years of life insurance experience and training you would be assigned a counselor who would assist you in assessing the proper amount of insurance for you and your family based on a formula of things that we go over with you at point of interview.
There are different types of policies today and depending on your needs we will interview you and come up with the best policy to fit your family or individual needs.
Term Life insurance does not build any cash value and Whole life insurance does.
We take information from you, send in the application to our companies then we receive a quote. Once approved we receive the policy in our office and meet with you and go over any questions or concerns you may have.
We personally come out and take the time to assess each and every small business we work on. We work with our business owners one on one providing small business insurance solutions to help businessowners all over the state get the best coverage available to them. We take care of your liability insurance, workers compensation, disability, business auto and any other coverage's we feel you would need to be accurately covered.
Whether your umbrella policy is going over your home and auto, or your small business, Mancino insurance will help implement all options available to you.
Being a large part of Central New York for over 30 years, we take the time to handle every aspect of the claims process. It starts by making sure you have the right coverage at the time of your loss. It is followed by making sure we provide full service to you in getting your claims handled quickly and easily for you. We are with you ever step of the way. When you have a claim we will report it for you and also follow up to make sure that things are going well with your experience.