Frequently Asked Questions

MVR stands for Motor Vehicle Report. This is your driving record. This report will include important vehicle events that have taken place, such as traffic citations, license suspensions, DUI convictions, and more.

A CLUE Report is a central database that keeps track of past insurance claims. This report will include all policy and claim information.

In essence, an Insurance Score is a new and fairly accurate way to gauge risk. Although largely based on personal credit, it does not put a “hit” on your credit report like applying for new credit would. Virtually every insurance company has their own model on how to price insurance policies using an insurance score. All we receive is a number or tier, and have no access to any credit records. Those with good insurance scores are rewarded with discounts on their policy. For more information, we invite you to contact us.

Yes! Each insurance company has different requirements, but in most cases we are able to fit every driving record to a policy.

Yes! Again, each insurance company has different requirements, but in most cases we can fit every accident and/or home claim to a policy.

In most cases we can quote your home and auto in less than a day. However, there may be special circumstances that will take a bit more time. We do our best to make sure you get a fast quote, and more importantly an accurate quote.

We process certificates right away so you aren’t held up on a job. Just give us their name, address, and easiest way to get it there, such as fax, mail, or email.

In most cases there is a small added charge for this, and is very common. There are many reasons that an entity may want this, such as automatic notification should your policy cancel.

Ohio is known as a captive state when it comes to workers’ compensation. Call the Ohio Bureau of Workers’ Compensation at 1-800-OHIO-BWC for information. This protects you and your employees should an injury at work occur.

Farm insurance costs vary depending on the size of your farm, the value of your property and equipment, and the coverage you choose. Most farms in the Mahoning area pay between $1,500 and $3,500 per year.

Often, yes. Bundling can simplify billing and may qualify you for multi-policy discounts with certain carriers.

In most cases, you have 15 days of automatic coverage, up to the limits you currently have on your in-force auto policy. Please contact us first to check and see if you’ll be covered and also please let us know as soon as possible to give us your new car’s info. Should your dealer volunteer to call in your vehicle change, please follow up with us to make sure they indeed did.

We, as a rule, suggest that you buy the rental car company’s physical damage insurance. While your personal auto policy generally covers the car you rent, there may be hidden costs such as “loss of use” and “replacement cost” that may or may not be automatically included should a loss occur. Also as a matter of convenience, should the rented vehicle be unable to be driven after an accident, the rental car company should provide you with a new one, as the damaged one is now their problem and not yours.

Always double check both the car and the driver, and you will be safe no matter who is driving or who owns the vehicle. Make certain that the driver is covered on an insurance policy and that the vehicle itself is covered on a policy. In the event of an accident, notify both companies.

We treat your personal information with the highest regard, and obviously do not sell or give that information to any other party. Please read our Privacy Policy for more information.

Please visit our Billing Page or Contact Us during regular business hours.

You can always stop in when we’re open to pay your bill. If paying by check, please make the payment to Williams & Case, as we apply the amount paid instantly. Payment by credit card is only accepted through select insurance companies and must be conveyed to them directly – please see our Billing Page.

Sure, just let us know how to get the new one to you, either by, email, regular mail, or stop by our office.

We provide free notary services to all of our policyholders.