An Ocean Harbor Auto Insurance review finds that the auto insurance company is a subsidiary of Pearl Holding Group. Although there is a company with a similar name in New York, Ocean Harbor of Florida is said to represent the state exclusively. The company employs approximately 250 people.
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J.A.J. Holding also has a stake in Ocean Harbor Casualty, and its Board includes the executives of Ocean Harbor, Jared and Jay Perlin. William E. Roche is the president of the Ocean Harbor office in Florida. A.M. Best issued the company a “B+” rating, which is a reduced grade based on the number of customer complaints.
Usually a grade reduction in an insurance company’s rating is related to finances rather than customer service. On the other hand, this is one of the categories that factor into the grade issued by the insurance rating organization.
Ocean Harbor Auto Insurance Inclusions
Ocean Harbor offers basic liability coverage to include personal liability coverage, which is required although Florida is a no-fault state. This coverage will pay up to 80% of the liability in the event of an accident where liability is obvious. The no-fault status means Ocean Harbor will pay the medical expenses of its subscriber.
Ocean Harbor products also include uninsured or underinsured motorist’s protection. Collision and comprehensive is optional if there is no lien against your vehicle. Most lien holders require collision and comprehensive if they finance the loan.
Ocean Harbor Auto Insurance Exclusions
There are some terms that indicate what Ocean Harbor will not pay, should the case arise. The company will not insure three wheeled vehicles that may be part of the household, or are not covered under the policy for instance. Only a limited number of claims may be filed on behalf of family members of the policyholder.
Rental reimbursement clauses have their limitations also. Collision and comprehensive insurance is not included with the standard policy for your vehicle. The insured vehicle may contain certain stereo equipment or other forms of electronics that may not covered in the policy at the time the claim is filed. The policyholder does not receive reimbursement for these items if damaged or stolen.
Ocean Harbor Auto Insurance Discounts
You may be eligible for insurance discounts through Ocean Harbor Insurance agents who are more than willing to assist you. One of the most common ways to save is by combining your life, health, and car insurance policies under one umbrella policy. Advanced payments will not only save you interest on your premiums, but it may also save on premiums as well.
Club discounts are popular with most insurers, and they will be happy to honor them. Your AARP or AAA membership may be worth a 10% discount on your payments. Some carriers are offering discounts if you go a certain length of time without filing a claim.
Ocean Harbor Auto Insurance Jobs
A career with Ocean Harbor is possible if you go through the proper channels. There is no online application, although contact information is available. There are several positions affiliated with the insurance industry. Some of those positions are:
- Claims Processor
- Customer Service Representative
An insurance company is versatile enough that you could start with an entry-level position and work your way to a management position with proper training and education along the way. It’s not too difficult to become an auto insurance agent.
Many companies offer tuition reimbursement in exchange for a two-year commitment, for example. With the economy slowly rebounding, it is a possibility Ocean Harbor may be currently accepting applications. They may even offer discounted coverage as a company benefit.
Ocean Harbor Auto Insurance Reviews
Testimonials are usually offered on the company website. Complaint and fraud type websites allow people to report objective comments of their experiences. One complaint involved an Ocean Harbor subscriber who ran a car into the couple’s home. They were offered an amount that did not come close to the actual cost of repairs.
Ocean Harbor was issued a lower grade because of its lack of focus on customer service. The company supposedly received 42 complaints in a three-year period. Most of the complaints related to unpaid claims. More than 15 complaints about Ocean Harbor Insurance claims were not addressed in a reasonable time frame. The company has since attempted to improve their record.
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