DJM Insurance Agency

So far today we have had two claims for deer strikes, one of them a motorcycle. The rider was mostly uninjured, and even managed to stay upright! However, the bike, and the car of the other caller, are badly damaged. We are in the "rut" season where buck are blindly chasing doe, and doe are blindly running from them. Please use caution in wooded areas, and collisions are worse than comprehensive claims, so whatever you do; DON'T SWERVE TO MISS THE DEER.

Progressive returns $1 billion in premium to customers Today we announced that we’re providing credits of approximately $1 billion in premium to Progressive personal auto customers as a result of fewer claims that come with less frequent driving. Subject to approval by state regulators, Progressive personal auto customers who have a policy in force as of April 30 will be credited 20% of their April premiums in May and personal auto customers with a policy in force as of May ...31 will be credited 20% of their May premiums in June. We estimate that the sum of these two credits will total approximately $1 billion. We may offer additional credits in the upcoming months. Customers will not need to take any actions to receive the benefits. The credits will be applied automatically to the customer’s policy and those customers who have paid in full will receive a payment of the credited amounts. Please be assured that this action will not affect commission payments. Customers will see it reflected in their accounts within a few weeks after month end. If they have a balance on the policy, we’ll apply the credit directly to the remaining balance. And if they’ve already paid in full, we’ll return the money to the payment account we have on fileplease make sure your customers’ payment details are up to date. Progressive CEO Tricia Griffith explained, We understand how difficult and uncertain people’s lives are right now. While auto insurance might not be the most pressing topic on everyone’s mind, we know that finances could be. For our customers who have trusted us to be there in their times of need, we’re fulfilling that promise. We want them to know how much we care. Always guided by our core values, doing the right thing is vitally important to us. We know that by sticking together and taking care of one another during these difficult times, we’ll come through this stronger. We want our current customers to remain our future customers. We’ll continue to monitor the effects of the coronavirus situation and share updates as needed as we look for additional ways to help agents, customers, and our communities move forward. In fact, we’re finalizing plans on a number of initiatives designed to help you, our agent partners, during this timelook for additional information next week. In the meantime, be well and stay safe. Thank you for partnering with Progressive.

Moratorium on cancellation or non-renewal for non-paymentall Progressive products. Starting Wednesday, April 1, 2020 continuing through Friday, May 15, 2020, Progressive customers will not be canceled or non-renewed for non-payment of premium. We’re aware that some states have already issued leniency guidelines and we will adjust this timeline to either meet or exceed any state-specific requirements. Please note that this may not apply to all products in California. In addit...ion, customers will not be charged any late or cancel fees, receive any cancel notices, or experience any lapses in coverage during this time. This cancellation and non-renewal moratorium applies to all Progressive Personal Lines, Progressive Home and Property, and Progressive Commercial Lines products. We also recognize that businesses may have unique and changing insurance needs and are here to walk through options that best fit their business situation. Customers do not need to take any action; we will automatically enact this moratorium to ensure coverage and help provide relief from any financial hardships our mutual customers may be facing as a result of the coronavirus outbreak. Please note that we will not be reinstating policies that canceled for non-payment prior to April 1, 2020. Also, if you have customers paying via automatic payments who wish to be removed from this payment option, they will still need to call customer service to make that update. Again, please be assured that our dedicated agent and customer service teams are here 24/7 for you and our shared customers, and keep in mind that customers have access to their policy information any time online. Visit our Contact Us page for phone numbers, email addresses, and other useful information. We also encourage you to keep in touch with your agency associations for additional industry updates. Thank you for your continued partnership and stay well.

If you are a Bristol West customer who is experiencing hardship related to the COVID-19 virus, please call them prior to coverage lapsing or expiring at 1-888-888-0080 or customers can use the Chat Now feature when logged into BristolWest.com, and they may be able to extend their payment due date. For customers who have allowed coverage to expire, we will consider a reinstatement without a lapse in most situations. The time frame for reinstatement is 10 days after any cancell...ation. We are also extending the time to reinstate with a lapse to 30 days. In some states, the Department of Insurance may mandate that insurance carriers extend payment periods or do not cancel policies for a period of time. If Pa issues such a mandate, and it allows you greater payment flexibility than what we’ve outlined above, we will honor that directive. Through these actions Bristol West and other carriers are providing customers additional time to pay while still maintaining their coverage. Premium for coverage will continue to accumulate. If customers are able to pay their bill on time, or even a portion of the bill, we recommend they do so to prevent a large balance due when normal billing operations resume.

We're still here taking calls.

DJM Insurance Agency cares about our clients, and our community. We have employed remote work stations and we are taking all telephone calls. DJM Insurance has always been a "face-to-face" agency, and we regret that we cannot service our clients in person at this time. WE ARE TAKING ALL CALLS. Progressive Insurance, our main carrier, has taken great steps to assist the community as well. Although coverage for food delivery is currently excluded in the Progressive Personal A...uto and Motorcycle contract, they have temporarily modified enforcement of policy exclusions to provide applicable coverage for claims involving food delivery activity by Personal Auto and Motorcycle customers. This temporary modification will go into effect for claims occurring Friday, March 20, 2020 through April 18, 2020. Have insurance questions? We're here. Give us a call.