Pearl Holding Group manage general agent for Ocean Harbor Casualty Insurance since 1994. It means customers or independent agents who represent them, do not need to go through direct communication with the company. In the insurance industry, managing general agent is a separate entity that has the authorization to underwrite insurance policies on behalf of another company. Pearl Holding Group acts as a third-party or intermediary company in the transaction, but it is not a claim department. Apart from the claiming process, a managing general agent may also have the rights to negotiate price, appoint retail agents, and offer product bundles as long as the insurer gives approval.

Ocean Harbor Casualty Insurance focuses on providing auto insurance with basic limits. Because insurance regulation is different from state to state, the basic limit and minimum coverage requirement can be different as well. Because policyholders need get the right type of insurance policy, it is best to consult local DMV concerning the current regulations. They can also work with an independent agent to get the best coverage options for the best price. Independent agents work on behalf of customers, and they do not have any affiliation relation with any company. The agents do not receive any commission for the coverage they sell. They are neither marketing agents nor captive agents.

Independent Agents

As a matter of fact, Ocean Harbor Casualty Insurance does not offer direct sales or online purchasing methods. All types of auto coverage are available through independent agents. For both company and customer, independent agents are effective middlemen to ensure transparency in business conducts. Those agents are professionals who understand how insurance works and how customers can take benefits of every offer and advantage from an insurer. All processes starting from choosing the coverage, negotiating the price, to underwriting procedures are within the scope of independent agents’ services. A customer has to pay an additional fee for the service indeed, but the cost in negotiable. It is also possible to file Ocean Harbor Insurance Claims through the agents.

Coverage Options

Ocean Harbor Auto Insurance has six different types of coverage. Every policy can be different too because each customer has different cars, many family members, optional coverage purchase, and driving record. A complete list of the available coverage is as follows.

1. LIABILITY COVERAGE

Liability is an auto insurance category which provides financial protections in case policyholders are liable for property damages or injuries that someone else has to sustain. Liability coverage has two separate options including:

• Property Damage Liability: this is the financial protection in case policyholders cause damages to someone else’s properties for examples cars and buildings. Without Property Damage Liability, policyholders must repair or replace the properties using their money. In some cases, they also need to undergo court processes too. To avoid all those hassles, Property Damage Liability gives financial assistance to settle every dispute.

• Injury Liability: it acts similar to property damage liability, but the financial assistance is available in case policyholders cause injuries to someone else while driving their vehicles. Following car crash or road accidents, an investigator may find that policyholders are liable, and therefore, they must provide medical care for someone else who sustains injuries from the unfortunate events. Financial assistance is not only for medications or first aid but also rehabilitation and physical therapy when necessary. With Ocean Harbor Auto Insurance, policyholders do not have to pay the cost out of their pocket because the company assists them up to the limit of the policy.

2. PERSONAL INJURY PROTECTION

In some states where no-fault insurance still applies, Personal Injury Protection is mandatory. With no-fault insurance, an insurer has the obligation to provide financial assistance in medical services, rehabilitation, and physical therapy for policyholders. The best thing about no-fault insurance is that there is no need for lengthy court processes before an insurer can provide the assistance. An insurer helps policyholders to get the necessary medical attentions as soon as possible. In some ways, Personal Injury Protection is like emergency health insurance coverage.

3. COLLISION

Unlike Property Damage Liability that gives assistance to repair or replace someone else’s properties, Collision Coverage is for the policyholders’ properties. However, this coverage only applies when damages to cars are results of road accidents.

4. COMPREHENSIVE

This is also coverage for policyholders’ cars, but it is available when damages to cars happen because of non-accident occurrences. Some of the most frequent causes are vandalism, theft, falling objects, animals, and natural disasters including flood. Ocean Harbor Auto Insurance excludes damages to certain parts of a car such as audio equipment, aftermarket accessories, and non-standard additional parts.

5. ROADSIDE ASSISTANCE

The main purpose of purchasing insurance is to get help during unfortunate events on the road, and this is where Roadside Assistance comes in. Ocean Harbor Auto Insurance provides 24-hour road services through Pearl Holding Group for every policyholder who needs emergency helps in the following situations:

• Mechanical difficulties: when a policyholder has difficulties to enable a vehicle, the company offers service to make minor repair or adjustments.

• Tire services: replacing flat tire

• Battery services: a booster battery to start vehicle

• Delivery services: emergency supplies of water, gasoline, and accessories.

• Towing service: taking policyholder’s vehicle to destination

For the Delivery Services, Ocean Harbor Auto Insurance provides the transportation to get the supplies to policyholders, but the company does not pay for the supplies.

6. RENTAL REIMBURSEMENT

In times when policyholder’s vehicles are immobile due to repair, Ocean Harbor Auto Insurance offers rental reimbursement of up to $200 ($20 per day for up to 10 days). Auto insurance coverage including Collision and Comprehensive are not applicable to rental vehicles.

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