BASIN PACIFIC – AGENT SPOTLIGHT: Cindy O’Brien
Personal Lines Account Executive | Kennewick Office
What is the most common mistake you see people make when shopping for insurance?
“The difference between ‘Full Coverage’ and ‘Liability Only.’ I oftentimes have people call me for a quote and tell me they have ‘Full Coverage’ but that doesn’t really mean they have all coverage available. Full Coverage could mean the state minimum for Liability with physical damage (Comprehensive and Collision), but they have rejected other important coverages like Uninsured/Underinsured Motorist Coverage and Personal Injury Protection. I can’t express enough that it’s very important to understand what coverage you do and don’t have.”
If you could give one tip to help people when shopping for insurance, what would that be?
“Start with an Independent Insurance Agent that can shop your insurance for you with several different insurance companies. Then allow the agent to quote all your lines of business like home AND auto so you can benefit from all possible discounts including multi-policy discounts. And most importantly if you don’t understand what each coverage means and how it protects you, allow the agent to explain and then you can make an educated decision.”
I can’t express enough that it’s very important to understand what coverages you do and don’t have.
What is your favorite type of insurance to work on?
“Personal Insurance like Home, Auto, Rental Homes, Collector Vehicles, Boats, and Excess Liability (Umbrella) to name a few.”
What is your specialty?
“I specialize in all types of Personal Insurance since I have been a licensed agent for 26 years.”
What is the most common misconception people have about insurance that you’d like to set the record straight on?
“That it’s just something that the law and/or banks require. Insurance is so important to protect everything you have worked so hard for. Just one auto accident could cause serious injuries to others and if you don’t have enough insurance coverage, you will be paying out of pocket for the rest of your life.”
What are your hobbies?
“Spending time with my daughter and my two dogs. We enjoy going for walks and going to the dog park in Kennewick. I enjoy wine tasting, live music, movies, and the beautiful weather.”
Need a quote? Cindy O’Brien is out of the Kennewick office and has been working in the insurance industry since 1997. Want to work directly with Cindy for your insurance needs? Reach her at [email protected].
Should you have any questions regarding your current coverage or want further information on these points, Basin Pacific Insurance is here for you. Contact us today at [email protected] and your agent will be in touch shortly.
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