Frequently Asked Questions
Below are some of our frequently asked questions. If you have any other
questions or concerns, please feel free to contact us.
| Q. What's the difference between an Independent agency like The Billy Davis Insurance Group and a State Farm or Allstate Agency?
A. Unlike agents who repesent insurance companies such as State Farm, Allstate or American Family, they offer only one company and price, The Billy Davis Insurance Group represents many A rated insurance companies as an independent agency. It’s our job to shop and compare for you. And we’re darn good shoppers.
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| Q. Why can other Independent Agents give me a quote over the phone but The BDIG has to call me back?
A. Many other agents do a lot of guessing and give you a price just to get you in their door. Once you get there, the prices often change. We give you the best and most accurate no-pressure price that we can. This may take a little longer, but the quality of the quote is much better.
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| Q. Why do you need to check my credit score to do a quote?
A. Most insurance companies have found that your financial responsibility is a strong indicator of your likelihood to make a claim. Although a credit check is not required to get a quote, having your Social Security number again will help us get the most accurate quote. The companies that check credit often have lower prices than those that do not. If your credit is not the greatest, no worries, we also have companies that do not check credit. But by giving us this info, it enables us to check all of our companies and helps us make sure we are getting you the lowest rate.
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| Q. I received a late notice or notice of cancellation, but I sent in my payment. Why?
A. Most insurance companies are automated. This means that a computer often handles how things are run. Many times, if the system sees that your payment has not come in the day after it was due, even though it may be in the mail or in processing, it automatically sends you a correspondence letter. If the computer sees that you have made your payment before your cancellation date, a notice of rescission will be sent. This is very common, as many people mail their payment on or near the day it is due.
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| Q. I got a notice from the state that my SR-22 was canceled, but I sent in my payment. Why?
A. As with the previous question, when the computer sees that your payment has not come in, the insurance company is legally required to send what is called an SR-26 to the state. The SR-26 is an indication that your insurance is or will be canceled. At this point the state sends you the letter saying your SR-22 is canceled. As soon as the insurance company processes your payment, another SR-22 is sent to the state.
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| Q. Why is my bill sometimes different?
A. Numerous factors can affect your bill. Some of the most common reasons are;
1. Multiple changes to your policy. This can change the total balance due causing it to be recalculated over the remaining months in your term. 2. Paying a different amount than what your bill indicates is another reason your bill can change from month to month. This is a common practice as customers sometimes choose to round up when paying their bill or will pay a little extra to pay the balance in full sooner.
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| Q. I lost my ID Cards! What do I do?
A. Some companies, such as Progressive, allow you to reprint your ID Cards from their website. If your company does not support that, call your local Billy Davis Insurance Group (BDIG) office and we will be able to reprint your ID Cards the same day and even e-mail them to you!
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