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Reported on Tuesday, February 9, 2010 6:22 PM

• BBB Accreditation
• BBB Rating
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• Alternate Business Names
• Products and Services
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• Licensing
• Customer Complaint History
• Government Actions
• Advertising Review
• Additional Information
• Industry Tips

BBB has determined that this business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

This company participates in BBB Online. This means the company has agreed to use special procedures including arbitration, if necessary, to resolve disputes.

Based on BBB files, this business has a BBB Rating of A+

Click here for an explanation of BBB Ratings.

Scarpulla, Charles M Insurance Agency

This company offers insurance porducts for individual and small business needs.

(888) 387-2126
(800) 231-0495 (FAX)

The license number is pc621991. 

The BBB has processed no customer complaints on this company in its three-year reporting period.

The BBB has no information regarding Government Actions at this time.

The BBB has no information regarding Ad Reviews at this time.

The following is BBB general information and is not intended as a report on any specific company.

Automobile insurance plays an important role in protecting consumers from serious financial losses that can result from accidents. The BBB offers the following advice to help you choose the best insurance coverage for your needs.

Basic types of auto insurance coverage include:

* Bodily Injury Liability. Pays your legal defense costs and claims against you if your car injures or kills someone. Covers family members living with you and others driving with your permission.
* Property Damage Liability. Pays your legal defense costs and claims against you if your car damages another's property. Does not cover your property, including your auto.
* Medical Payments or Personal Injury Protection. Pays medical expenses that result from an accident for you and others riding in your car. Also pays for you or your family members injured while riding in another's car or while walking.
* Collision. Pays for repairs of damage to your car caused by a collision with another vehicle or any other object, regardless of who was responsible.
* Comprehensive Physical Damage. Pays for damages to your car resulting from theft, fire, hail, vandalism, or a variety of other causes.
* Uninsured or Underinsured Motorist. Pays for costs related to injuries or property damage to you or other occupants of your car when caused by an uninsured, underinsured, or hit-and-run driver.

Savings Check List

To help find the best coverage for your needs, consider the following tips.

Comparison Shop. Prices for the same coverage can vary significantly from company to company. You should get at least three different quotes.

Compare the rates with choosing a higher deductible. Deductibles represent the amount of money you pay before your insurance company fulfills a claim. By requesting higher deductibles on collision and comprehensive coverage, you can lower your insurance costs substantially.

Decline Comprehensive and/or Collision Coverage on Old Cars. It may not be cost effective to have collision or comprehensive coverage on cars worth less than a few thousand dollars because any claim you make would not substantially exceed annual cost and deductible amounts.

Buy a "Low Profile, Low Maintenance" Car. Cars that are expensive to repair or are favorite targets for thieves have much higher insurance costs.

Low Mileage Discounts. Some companies offer discounts to motorists who drive less than a predetermined number of miles a year.

Location Considerations. Premium costs tend to be lowest in rural communities and highest in cities.

Automatic Seat Belt and/or Airbag Discounts. Some coverage provides discounts if you have automatic seat belts and/or airbags.

Anti-Lock Brakes. Anti-lock brakes improve steering control and stability when a car is brought to a stop, thus reducing accidents. New York State requires insurers to give discounts for cars equipped with anti-lock brakes.

Other Discounts. Some insurers offer discounts for a variety of other qualifications such as: no accidents in three years; driver training courses; anti-theft devices; good grades for students; having more than one car insured with that company; drivers over 50 years of age.

Accidents

If you are involved in an auto accident, take the following steps:
* Don't leave the scene.
* Call for medical assistance if there are injuries. Provide basic first aid.
* Call a law enforcement officer if needed. Get the officer's name and police station address. Ask when the accident report will be filed, its case number and how to get a copy.
* Take careful note of the date and time of the accident; street and city; weather and road conditions; direction and speed you and other drivers were going; the license plate, driver's license and insurance information numbers of each driver involved.

Phone your insurance agent or a local company representative as soon as possible. Ask your agent how to proceed, including what forms or documents will be needed to support your claim. Keep records of your expenses because any you incur because of an automobile accident may be reimbursed under your policy, and keep copies of your paperwork.

For more information, contact:

Better Business Bureau Serving Upstate NY
(800) 828-5000 **$5 operator fee
www.upstateny.bbb.org

New York State Insurance Department
(800) 342-3736
www.ins.state.ny.us

New York State Consumer Protection Board
(800) 697-1220
www.consumer.state.ny.us

National Association of Insurance Commissioners (NAIC)
2301 McGee Street Suite 800
Kansas City, MO 64108-2662
(816) 842-3600
www.naic.org

This report is general in nature and is not intended as a reliability report on any company, service or product.

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As a matter of policy, the BBB does not endorse any product, service or business.

BBB Reliability Reports are provided solely to assist you in exercising your own best judgment. Information in this BBB Reliability Report is believed reliable, but not guaranteed as to accuracy.

BBB Reliability Reports generally cover a three-year reporting period. BBB Reliability Reports are subject to change at any time.

If you choose to do business with this business, please let the business know that you contacted the BBB for a BBB Reliability Report.

ID: 66006895
Report as of: 2/9/2010 6:22 PM

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