Hello! My name is James Last, and I serve the HAWK team as a Personal Lines Adviser. To me, personal lines insurance is the interpersonal responsibility I have as an agent to ensure our clients are prepared for when the unexpected happens. From a coverage perspective, our goal is to provide substantial protection, not just the bare minimum.
| Why Do Personal Lines Matter?
Personal coverage is more than a financial transaction: it is an exchange of value and knowledge. We don’t just want you to sign the dotted line, we want you to understand the coverage that you are receiving and the value of your coverage.
| What is to be Expected in the Claims Process?
Many people dread the claims process, but the process is quite the opposite! When you call in the initial claim, you can typically expect to hear back from an adjuster within 24 hours. In my experience, there is a high level of satisfaction with the claims experience we work with!
For instance, let’s say you hit a deer. The carrier will likely have you send photographic evidence of the damages, cut you a check for the appraised amount, and, when you take your car into the shop, compensate further discrepancies.
| What is the Trick to Choosing the Right Coverage?
Choosing the right coverage involves many important decisions, and one policy I often recommend clients consider is an umbrella policy. An umbrella policy provides additional liability coverage beyond the limits of your underlying insurance policies.
These policies essentially act as “umbrellas,” extending protection over your existing auto and home coverages. In the event of a claim, they safeguard your assets and help you avoid significant out-of-pocket expenses.
| What is an Area of Coverage You Find Most Interesting?
Auto telematics. Simply put, telematics are systems used for the purpose of collecting user information, such as mileage and driving habits. The appeal of telematic is that it allows better drivers to pay less and is backed by your individual driving habits. These might seem invasive to some, but if you believe your auto rate should be determined by factors within your control, a telematics system could help you lower your insurance costs!
| How Will the HAWK Personal Lines Team Help Me?
My commitment to all our clients is to be the most responsive and engaging agent I can be, which is likewise the mission of HAWK Advisers as a whole.
I personally take pride in promptly returning calls and emails in a timely manner, providing clients with multiple options to fit their needs, and providing the highest quality of service. Our team will not merely present an insurance agreement to our clients as a once-and-done transaction, but instead as a learning opportunity for all involved parties.
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