Frequently Asked Questions

HOW LONG DOES IT TAKE TO GET A QUOTE?

Estimated Turn Around Time (TAT)  for Personal Insurance Quotes such as homeowner, auto, life, boat etc, takes less than 25 minutes depending on how fast our client can provide the necessary information needed to start the quote. See "Form" to get the necessary information needed.

But, Commercial Quotes take more time, sometimes days, the reason for the delay is usually based gathering necessary information about the business for the Underwriters. However, most of our business quotes takes less than half a day. Once your quote is ready, it is sent via email, then followed by a call, to walk you through the quote.

I WANT TO CANCEL MY POLICY: HOW LONG DOES IT TAKE?

Policy can be cancelled in less the five (5) minutes, but not over the phone. See below steps in cancelling a Policy

• Send an email  with a cancellation request.

• Cancellation request must contain a cancellation Effective Date

• Also include the Policy number

A successful cancellation email will be sent to you within a window of 5 minutes.  Please note: policy cannot be cancelled over the phone or by a voicemail.

What types of insurance does your company offer?

Sodje Agency offers several insurance coverages from over 25 Insurance Companies. Below are some of the type of insurance we offer.

• Homeowner Insurance

• Landlord Protector Coverage Insurance (if you're renting your house)

• Condo Coverage Insurance

• Renter Insurance (if you are renting an apartment)

• Life Insurance (protects your mortgage payment for your family, if something such happen to you)

• Umbrella Coverage Insurance (extra liability coverage (money you pay to others) for you and your entire household or business)

• Boat Insurance

• Motorcycle Insurance

• RV Insurance

• ATV Insurance

• Business Insurance e.g. Workers Comp , General Liability, BOP, E&O etc.

What is the process for getting a policy?

The process for getting an insurance policy can vary depending on the type of insurance and the carrier. In general, the process typically involves the following steps:

• First, we determine what type of insurance you need: This may be auto insurance, home insurance, life insurance, etc.

• Next, we research different insurance companies and compare policies: Look for a Carrier that offers the coverage you need at a price you can afford and at a price that will not increase every policy renewal. Furthermore, we consider some other factors on your behalf, such as the company's financial stability, customer service record, claim process turnaround time, and any discounts they offer. 

• If all looks good, we get a quote for you from different Insurance Companies: Contact insurance companies or brokers to get quotes for the coverage you need. We make sure accurate information about your and any property or vehicles you want to insure is perfectly correct.

• Next, we review and compare quotes: Carefully review the quotes we received and compare them to determine which policy is the best fit for you.

• If you are okay with the quote, then we apply for the coverage and complete the application by making payments. Please note without payment policy will not be bound (no contract).

• Review and sign policy: We will carefully review your policy with you either face to face, virtual, or over the phone, to make sure you understand the terms and conditions of your coverage. If you have any questions, do not hesitate to ask for more clarification. Once you are satisfied with your policy, you will need to sign it and make payments to accept the coverage.

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How much does your insurance cost?

Insurance cost depends on what you want to insurance, the higher the risk or peril the more the cost. However, many insurance policies can be customized to meet your specific needs and preferences. For example, you may be able to add or remove certain coverage options, increase or decrease the limits of your policy, exclude a member of the household or add additional insured parties, or your zip-code, these factors determines insurance cost.

Customizing your policy will depend on the type of insurance you have and the insurance company. Some insurance companies offer a wide range of options that you can mix and match to create a policy that is tailored to your needs. Others may have more limited options available.

If you are interested in customizing your policy, you can speak to us to guide you through it. We will be able to provide you with information about the options/changes that are available and help you determine which changes are right for you.

Please note: good insurance coverage is not cheap, it is in grades just like the gas pump, "regular", "Mid-grade", and "Premium".

How do I file a claim?

• • If you need to file a claim, the first step is to contact your insurance company to inform them of the situation. You can do this by phone, online, or through their mobile app (which we recommend, in case you need to send picture or video footage of the accident).

  • Gather necessary documentation: Depending on the type of claim you are filing; you may need to provide certain documentation to support your claim. This could include police reports, repair estimates, medical bills, or other documentation.

  • Submit your claim: Once you have gathered the necessary documentation, you will need to submit your claim to your insurance company. This can usually be done online, by phone, or by mail.

  • Wait for a response: Once you have submitted your claim, your insurance company will review the information you provided and make a determination about your coverage. This process can take some time, so be patient.

  • Follow up as needed: If you have any questions about the status of your claim or need to provide additional information, be sure to follow up with your insurance company or with us (Sodje Agency). They should be able to provide you with updates on the status of your claim and let you know what steps you need to take next. Please be nice on the phone with the Adjuster and Claims officers.

CAN I CUSTOMIZE MY POLICY?

•   Yes, insurance policies can be customized to suit your specific needs and preferences.

•   But customize negatively where you are underinsured.

IS THERE A WAITING PERIOD BEFORE MY COVERAGE BEGINS? 

• Some policies may have a waiting period before coverage starts. The duration varies depending on the type of insurance you have.

• Currently Auto Insurance have a waiting period before the Policy can be active, Farmers Insurance have 25 days wait time other Insurance Carriers have 14 days.

WHAT IS COVERED UNDER MY POLICY?

• Coverage varies depending on the type of insurance policy you have. It typically includes protection against specific risks or events, such as accidents, damage, theft, or liability.

• Your Coverage also come with exclusions, make you ask your Insurance Agent about those exclusion on your coverage.

ARE THERE ANY EXCLUSIONS OR LIMITATIONS ON MY POLICY?

• Yes, insurance policies often have exclusions and limitations. These are specific situations, conditions, or items that may not be covered. Review your policy documents for details.

CAN I ADD OR REMOVE COVERAGE FROM MY POLICY?

• Yes, you can usually add or remove coverage from your policy. Contact your insurance agent or company to discuss your options and make any necessary changes.

HOW DO I MAKE PAYMENTS ON MY POLICY?

• Payments can be made through various methods, such as online payments, automatic bank transfers, or checks. Your insurance company will provide you with instructions on how to make payments.

CAN I CHANGE MY POLICY OR CANCEL IT?

• Yes, you can make changes to your policy or cancel it. Contact your insurance agent or company to discuss any desired changes or cancellation procedures.

HOW DO I RENEW MY POLICY?

• Insurance policies typically have a renewal period, during which you can continue coverage. Your insurance company will send you renewal information and instructions. Review the details, make any necessary updates, and pay the renewal premium if required.

CAN I GET A COPY OF MY POLICY?

• Yes, you can request a copy of your policy from your insurance company. They will provide you with a copy of the policy document for your records, it is called "Declaration Page"

CAN I ADD ADDITIONAL INSURED PARTIES TO MY POLICY?

• In some cases, you may be able to add additional insured parties to your policy. Contact your insurance agent or company to discuss the process and any associated requirements.

CAN I GET A DISCOUNT ON MY POLICY?

• Insurance companies often offer various discounts based on factors like bundling multiple policies, having a good driving record, installing security systems, or being a loyal customer. 

Check with your insurance company to see if you qualify for any discounts and how to apply for them

Remember, these FAQs provide general information, and it's always best to consult with your insurance agent or company for specific details and personalized guidance related to your policy.

What to do when you are involve in an Accident

1. Ensure Safety and Call for Help

   • Check for injuries and call emergency services if necessary.

   • Move to a safe location if the vehicles are obstructing traffic and it's safe to do so.

2. Call the Police

   • Report the accident to the police and wait for them to arrive. An official police report will be crucial for your claim.

3. Exchange Information

   • Obtain the following information from all parties involved:

   • Full name and contact information

   • Insurance company and policy number

   • Driver’s license and license plate number

   • Type, color, and model of the vehicles or take a picture of the VIN (it is located at drivers side of the vehicle, to can see standing outside looking at the drivers side through the windshield)

   • Note the exact location of the accident.

4. Document the Scene

   • Take photos and videos of the scene, including:

   • Damage to all vehicles involved

   • Any visible injuries

   • Road conditions, traffic signs, and any other relevant factors

   • Collect contact information of any witnesses.

Post-Accident Steps

5. Notify Your Insurance Company

   • Contact your insurance company as soon as possible to report the accident.

   • Provide them with all the collected information and the police report number.

6. File a Claim

   • Work with your insurance agent to file a claim. You will need to provide:

   • Details of the accident (date, time, location)

   • Police report number

   • Information of all parties involved

   • Photos and videos of the damage

   • Follow their instructions on next steps.

7. Get an Estimate

   • Your insurance company will likely arrange for an adjuster to inspect the vehicle damage.

   • Get a repair estimate from an authorized repair shop if required by your insurer.

8. Repair Your Vehicle

   • Based on the insurance company’s approval, take your vehicle to a repair shop.

   • Keep all receipts and documentation of repairs.

9. Medical Treatment

   • If you or any passengers are injured, seek medical treatment.

   • Keep records of all medical expenses and treatments as they may be covered under your policy.

Follow-Up

10. Track Your Claim

    • Stay in touch with your insurance company and track the status of your claim.

    • Respond promptly to any additional information requests.

11. Review Your Policy

    • Understand your coverage, including deductibles, rental car coverage, and any other relevant details.

12. Still having issues with you claim.

• Call Sodje Agency for help or assistance 

• Phone: +1 (408) 963-1465

• Email: sodje@sodjeagency.com