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This is the "Next Big Thing" that we've been quietly promoting for months. Give your office a chance to compete with the direct writers and offer your clients something that lizards, cavemen and big red hair can't; one of the most competitive rates on the street.  When I mentioned above about it being in your best interest to select these programs in FSC, I wasn't joking. I guess what I'm trying to say, with all due respect, is that if you aren't selling these products, your competitors next door will be.  Below are some highlights about the programs:

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For this program, the rules and guidelines will be exactly the same except for two major benefits, one minor benefit and one serious disadvantage.  See below:

MAJOR BENEFIT # 1: 

Acceptable vehicle values increase from $150,000 up to $300,000.

MAJOR BENEFIT # 2: 

Populated City/Urban areas for full coverage policies.  The physical damage rates are calculated purely on vehicle value, NOT territory or garaging zip code. 

minor benefit # 1:  

Physical damage deductibles are slightly lower than normal in most cases.  For example, if you chose a $500 deductible you would automatically receive a $475 deductible or if you chose a $1,000 deductible you would receive a $975 deductible.  We've also added a $750 deductible for those of you that can't make up their mind.

SERIOUS DISADVANTAGE # 1:   

This only applies to those of you that haven't selected the RMIS Companion programs on your FSC Raters.  Please call me to if you'd like to hear more specifics.