INSURANCE MADE SIMPLE PODCAST with Peter Vitale

This is INSURANCE MADE SIMPLE, Episode 20 & Peter Vitale is here to discuss: People considering Life Insurance more than ever, the conversation about if it's a Ponzi Scheme, the average person having 7 life insurance policies in their lifetime, taking care of your family if something happens, why we should get life insurance policies, people who need life insurance the most, employer paid life insurance & more. This episode is not to be missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurancegroup.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 19 & Peter Vitale is here to discuss: Billions in losses for insurance companies from Hurricane Ian, lifting premium Auto rates from multiple companies, analyzing Quarter 2 data from Home Insurers around the country being catastrophic, consumers being hit hard in their pockets, the first snow in Denver creating a 100 Car Pileup, North Carolina mobile home rates rising, Talking about Geico, how daylight savings affects Quarter 4 & more. This episode is not to be missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurancegroup.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 18 & Peter Vitale is here to discuss: Inflation Rates causing chaos in the Automobile Industry, Insurance Rates going up, Insurance Industry Marketing, the most profitable insurers, auto accidents on the rise & distracted driving, USAA Settlement in Ohio & holding insurers accountable & more. This episode is not to be missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurancegroup.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 17 & Peter Vitale is here to discuss: A key no fault decision in Michigan, a benefit of the Michigan automobile policy, Waste Fraud & Abuse, Catastrophic Claims Association, a court case to monitor, fees to be paid per car per year, being able to change your opinions & positions & more. This episode is not to be missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurancegroup.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 16 & Peter Vitale is here to discuss: When life's uncertainties happen, Hurricane Ian & before catastrophe strikes, a lawsuit being brought against Former President Trump & his organization, the importance of not lying on your insurance policy application & more. This episode is not to be missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurancegroup.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 15 & Peter Vitale is here to discuss: The rising costs of auto insurance, not taking things at face value, how inflation is affecting rates, affordability in different states, potential political implications, digital shopping for insurance, Insurance Market Share & more. This episode is not to be missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurancegroup.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 14 & Peter Vitale is here to discuss: The Marcell Ozuna DUI Situation, celebrities who have had serious automobile accidents, making sure your policy pays out adequately, litigation on the rise & billions of dollars invested, not picking policies based on slogans or jingles & more. This episode is not to be missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurancegroup.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 13 & Peter Vitale is here to discuss: Progressive denying coverage to Kia & Hyundai cars in Denver, Colorado, A.I. in the claims process of Insurance, filling out complete and accurate claim information, are you dealing with an insurance agent that's ethical?, dealing with a fixed income, some carriers being better for people than others, being with the right agent & more. This episode is not to be missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurancegroup.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 12 & Peter Vitale is here to discuss:Headlines including: State Farm hiking & All State their prices in in Illinois, All State losing money on car insurance, being skeptical of contributions, budgeting for your insurance needs in these tough times, property depreciation suits, not all insurance companies are created equally, dealing with reputable businesses, McKenzie Documents, not letting companies be casual with the truth & more. This episode is not to be missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurancegroup.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter Headlines Discussed in This Episode: https://www.chicagobusiness.com/insurance/state-farm-raising-illinois-auto-insurance-rates-more-8 https://www.chicagobusiness.com/insurance/illinois-drivers-insured-allstate-get-16-rate-hike https://www.chicagobusiness.com/insurance/allstate-auto-insurance-rate-hikes https://www.pandcspecialist.com/c/3695934/476204/state_farm_settlement_fatal_crash_amid_allegations_misconduct https://www.pandcspecialist.com/pc/3690904/475354?all=true https://www.pandcspecialist.com/pc/3679044/473544?all=true https://www.pandcspecialist.com/c/3631904/466654 https://www.pandcspecialist.com/c/3336254/423254 Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 11 & Peter Vitale is here to discuss: auto insurance rates are on the rise, the economic condition of the country, evaluating the rising cost of losses, social inflation, breaking down state by state rate increases to come and more! Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurancegroup.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter Links to articles discussed: https://www.chicagobusiness.com/insurance/geico-car-insurance-rates-illinois-rising-17 https://www.pandcspecialist.com/c/3670864/472424/ https://www.pandcspecialist.com/c/3593484/460814?referrer_module=article&highlight=State%20Far https://www.pandcspecialist.com/c/3668974/471824 Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 10 & Peter Vitale is here to discuss: Johnny Depp vs. Amber Heard and the role insurance policies played, Traveler’s Insurance paying for Amber Heard’s defense team, homeowner’s insurance and defamation cases, what is covered and what is not? A truly unique and interesting deep dive into a sector of insurance premiums rarely discussed. This episode is not to he missed!  https://nypost.com/2022/06/02/amber-heard-is-broke-due-to-legal-fees-lavish-spending/ Contact Peter at: peter@encoreinsurance.com By Phone: 248-466-0200 Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 8 & Peter Vitale is here to discuss: The fast pace demand of the insurance industry, information mining, the impact on your pricing, not doing things yourself here, recommended information gathering companies, the speed factor in the insurance field, not blindly trusting data brokers, factors that go into insurance pricing, trust but verify, not being able to see everything & more. This episode is not to he missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurance.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter https://www.verisk.com/insurance/capabilities/underwriting/personal-auto/ https://risk.lexisnexis.com/insurance/auto Request your consumer report from Lexis Nexis: https://consumer.risk.lexisnexis.com/request Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 8 & Peter Vitale is here to discuss: The states that you have the right to apply for a reasonable exception, states that don't use credit scoring in their auto insurance pricing, your option if you have subpar credit, extraordinary life circumstances, a full breakdown of 8 reasonable exception requests & more. This episode is not to he missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Email Peter at: Peter@encoreinsurancegroup.com Get a quote at: https://app.usecanopy.com/c/Encore-Peter https://ncoil.org/wp-content/uploads/2016/04/11262015PropertyCasualtyModelAct.pdf https://secureservercdn.net/50.62.194.59/33a.fce.mwp.accessdomain.com/wp- content/uploads/2016/04/2007203b.pdf Many state laws regulating insurance scores are based on a model law developed by the National Conference of Insurance Legislators (NCOIL). Among other things, the model legislation requires insurers to disclose to consumers that a credit report may be used and to notify the policyholder in compliance with the federal Fair Credit Reporting Act when credit is the basis for an adverse action. The model law prohibits the use of credit information as the sole basis for refusal to insure, to non-renew or to cancel. It also bars the use of disputed information or information identified as medical collection accounts in the credit report. And it encourages insurers to take into account extraordinary life events, such as catastrophic illness or the death of a spouse. Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 7 & Peter Vitale is here to discuss: The dirty secret described in our last episode, Insurance requirements of the government, breaking down an algorithm released to the public in Michigan & the difference it causes in your premiums, what to change, what you should be asking your auto insurance agent & more. This episode is not to he missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 6 & Peter Vitale is here to discuss: The use of credit in insurance rates, a quote from the CEO of AllState, scoring models, 95% of companies using your credit score to create your rates, different in pricing due to credit, getting rid of toxicity in the industry & more. This episode is not to he missed!  Articles referenced in this episode: https://www.iii.org/article/background‐on‐credit‐scoring https://consumerfed.org/press_release/insurance‐companies‐charge‐79‐more‐to‐safe‐drivers‐in‐ washington‐state‐due‐to‐low‐credit‐scores‐state‐farm‐nearly‐triples‐premium‐for‐good‐drivers‐with‐credit-problems/ Contact Peter at: https://www.linkedin.com/in/vitalepeter Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

EP 5 - ALL INSURANCE POLICIES ARE NOT CREATED EQUALLY PART 2  This is INSURANCE MADE SIMPLE, Episode 5 & Peter Vitale is here to discuss: Being here to help, the differences in coverage between policies, roadside coverage for different companies, when you should hang up the phone on an insurance company, if there's changes to your policy that need to be altered, if an agent acts as though they know it all, duty to report changes& more. This episode is not to he missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 4 & Peter Vitale is here to discuss: Analyzing policy contracts, the declaration page, defined terms, exclusions, attention to detail, fair payouts from insurance companies, reading the policy contract & more. This episode is not to he missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 2 & Peter Vitale is here to discuss: The importance of honesty on your insurance applications, How a policy can be rescinded, insurance not paying claims they aren't legally liable to do so, having a forthright agent, getting it in writing & more. This episode is not to he missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 2 & Peter Vitale is here to discuss: Why he felt this podcast was necessary, what insurance companies think of its customers, the amount of insurance commercials, the fine print of contracts, policies & how they connect to you, consumer surveys & more. This episode is not to he missed!  Contact Peter at: https://www.linkedin.com/in/vitalepeter Get a quote at: https://app.usecanopy.com/c/Encore-Peter NY Post article reference: https://nypost.com/2022/02/12/why-were-seeing-more-insurance-ads-while-beer-ads-fade-out/ Zebra article reference: Survey: Most Drivers Would Flunk Car Insurance 101—and It Could Be Costing Them | The Zebra Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com

This is INSURANCE MADE SIMPLE, Episode 1 & Peter Vitale is here to discuss: Why insurance has become necessary and where it all started, bottomry contracts as the first insurance contracts, Ancient Rome & The Great Fire In London, The Philadelphia Contributionship & Benjamin Franklin, Automotive Insurance Inception, the first life insurance company,  Contact Peter at: https://www.linkedin.com/in/vitalepeter Get a quote at: https://app.usecanopy.com/c/Encore-Peter Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram  LinkedIn: The Best of The Best: Maverick's Guide To Success & Maverick Levy Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com