RMIS
Robert Moreno Insurance Services Newsletter
High Value Vehicle Market 
September 2007
In This Issue
Non-DiscrimiRating
Valued Business
High Reliability Limits
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Dear Producer, 
Aston Martin Vanquish SAre you tired of being penalized for where your insured's vehicles are garaged?  Just because you have a prime office location in a highly populated area doesn't mean that all of your business should be surcharged due to a mere five digit zip code.  Here at RMIS we've been offering an alternative way of thinking for over two and a half decades.  We like to call it "Non-DiscrimiRating" and it can only be found in our RMIS ICW High Value Program.  In this issue we will be exclusively reviewing the needs of those insureds needing coverage, both liability and physical damage, for high value vehicles.  We would consider this to be any vehicle over $50,000.  However, like us, we think you'll find this market to be helpful for those vehicles under $50,000 as well.  Read on to see exactly what we mean.
Non-DiscrimiRating
 LamboThe most crucial advantage in placing your high value vehicles with RMIS ICW High Value is simply the way these vehicles are rated.  There is no discriminatory factor penalizing the insured for where the vehicle is garaged.  That's right, no territorial rating factors for the physical damage whatsoever.  This program is designed to rate on straight value alone.  For example, the rate for a $150,000 exotic located in Downtown Los Angeles: $2,600.  That same risk garaged in a gated and guarded community in Fallbrook: $2,600.  If you have any questions regarding this phenomenon or can't believe what you're reading feel free to Contact Us in the Marketing Department or speak directly with one of our friendly, helpful Underwriters.
We Value Your Business
 Acura TLAs we had mentioned before, this Non-DiscrimiRating is not ONLY for the high end luxury vehicles that most of us can only dream of owning.  It's also very competitive for those autos under $100,000.  We would go so far as to say it's a great fit for those vehicles under $50,000 or even under $35,000 so don't let the "High Value" name fool you.  It may be misleading being called the High Value Program when in fact it should be called the Low End, Mid-Range and High End Value Rated Program.  Unfortunately we ran into a bit of a space issue on the rater and kept running out of breath trying to repeat that.  Let's just refer to it as the Value Rated Program knowing that it's extremely compatible with those vehicles ranging in values from $1-$300,000.  Some more helpful tips: $0-$12,500 in value...Same Rate.  0-15,000 annual miles...Same Rate.
A Picture is Worth $1,000 Deductible
 Vehicle XNo matter how it happened the most important thing is that everyone is okay.  However, even the slightest fender bender can cause serious injury which in turn leads to serious medical bills.  If it happens to be your fault then how on earth are you going to pay for a $100,000 medical bill?!  I think we're in need of a superhero!  This is where RMIS steps in to comfort, nurture and protect each and every insured.  With the High Value program paired up with the High Limits of Liability that ICW offers, your insureds can rest peacefully knowing that they have the ultimate in automobile coverage.  No need to worry about lawsuits that could affect their family, house or any other assets they may possess.  With primary limits up to $500,000 and optional excess or umbrellas your insureds can save big on millions of dollars worth of coverage.
As always, thank you for your time and continued interest in RMIS.  We look forward to providing you with as much information as possible in each and every newsletter.  
 
In closing, could it be that the rumor of RMIS having landed an 11 Western States Trucking Program be true?  You'll have join us next month to find out...

RMIS...It Really Means Insurance Services
 
Sincerely,
Marketing Department
Robert Moreno Insurance Services