Thank you for choosing trust4wise!
Hours of Operation
Monday to Friday from 9:00 a.m. to 6:00 p.m.
Contact for Concerns
E-mail to answer your questions:
info@trust4wise.com
Request for Certificates
If you need a certificate, you can obtain it in the following ways:
- Calling our staff at (352) 340 3409
- Visiting our website www.trust4wise.com Services section
- By sending an e-mail to coi@trust4wise.com
Insurance Declaration Pages
We will send you the declaration pages of your insurance once the insurance company provides them to us. We recommend that you read them carefully, as they contain the specifications of your insurance.
Monthly Payment
You can make your monthly payment through the finance company’s website or by contacting our staff.
Policy Cancellation
If you do not make payments to the finance company in a timely manner, your policy will be cancelled, and the company will charge you 25% of the minimum earned.
Information Update
Omitting or failing to list trucks and/or drivers on your policy may result in cancellation of your policy. We urge you to inform us immediately of any changes or developments in your business so that we can notify the insurance company.
Add a Truck
When adding a truck, you must make an initial payment proportional to the time in force on the policy, and the monthly payments will be adjusted to the remaining period of the policy.
Add a Driver
The cost of adding a driver to your policy will depend on the rates set by the insurance company and the driver’s driving record and experience.
Truck Withdrawal
Before withdrawing a truck from your policy, you must provide proof of the reason for the withdrawal (in accordance with Section 43 of the Transportation Management Code).
If you withdraw a truck from your policy, finance companies usually take approximately 90 days to make adjustments to the balance and monthly payments.
Property Damage Coverage (PD)
Property damage (PD) coverage will be calculated based on the market value of the vehicle as determined by adjusters and the blue book.
What to do in the event of a claim?
At trust4wise Insurance Agency we are committed to providing you with an efficient response when you need it. Timely notification of accidents is an important step in protecting your investment and ensuring that you are covered for unexpected situations; therefore, the insurance company should be notified of any event as soon as possible.
Importance of the Information in your Policy Keep in mind that insurance companies will rely on the truck and driver information listed on your policy. In the event of a claim with an unidentified truck or driver, the company may choose not to cover the incident.
Importance of Early Notification of Accidents
It is critical for our clients to understand that all accidents, regardless of fault or extent of damage, must be reported to the insurance company in accordance with the terms of the policy. Timely notification is a crucial step in keeping your coverage in force and ensuring an efficient response to unforeseen situations.
You should not wait for a police report to be issued before notifying the company of an accident. It is essential that you report any incident related to your policy without delay. The key reasons for reporting accidents immediately are:
- Policy Compliance: Most policies require that accidents be reported within a certain time frame. Failure to do so may affect your ability to file a claim.
- Policy Risk: Late notification, i.e., after 10 days, may jeopardize the status of your policy. This could result in a cancellation of your policy or an increase in premium.
- Impact on Renewal: Late notification can also impact your renewal options. A history of late notices could cause insurance companies to consider you a high-risk customer and therefore not offer you a proposal or make the proposal too costly.
The Insured’s Liability for Loss Mitigation and the Agent’s Role in the Claims Process
We want our clients to have a clear understanding of their role in the claims process and how we work together to ensure an efficient response in the event of a loss. Here are some key points to keep in mind:
Insured’s Liability: Mitigation of Losses
As the insured, you have a responsibility to take steps to mitigate damage in the event of a loss. This means you must take reasonable actions to minimize the amount of loss. The sooner you take action to prevent further loss, the better the protection for you and your policy.
Crucial Information to Collect in the Event of a Claim
In order to make sure we provide you with the best assistance, it is important to collect certain key information at the time of an accident. Here are the details we need about the accident:
- Keeping Calm
In any situation, calm is your best ally. Keep your composure and avoid unnecessary confrontations.
- Location
Indicate the exact location where the accident occurred, including address and any relevant references.
- Driver´s Full Name
Provide the full name of the driver involved in the accident. This is essential to identify the person responsible.
- Obtaining Other People’s Insurance Information
Be sure to obtain the insurance details of the other persons involved, including the name of the insurance company and the policy number.
- Taking Pictures and Videos
Capture images of the incident, including damage to vehicles and any other relevant evidence. Photos and videos can be essential to support your claim.
- Check for Witnesses
If there are witnesses to the accident, obtain their contact information. Witness testimonies can be valuable in supporting your claim.
- Request Police Report
In case of a traffic accident, request a police report. This document can provide factual information and is important for the claim process.
- Date and Time
Provide the exact date and time the accident occurred. This detail is essential for a correct evaluation.
- Truck and Trailer Information
Detail truck and trailer information, including license plate number, make, model, year and any unique identification.
- ¿Was It Loaded?
Indicates whether the vehicle was loaded at the time of the accident. This information is relevant to assess the severity of the incident.
- ¿ Was there Cargo Damage?
If there was damage to the cargo, please describe it in detail. This is essential to determine the extent of the damage.
Role of the Insurance Agency
As insurance agency, we cannot guarantee in advance whether or not a loss will be covered. The decision depends on a number of factors, including the specific circumstances, policy extensions and exclusions, and the results of the investigation in terms of coverage and liability.
We are not responsible for handling claims under third party policies. However, we do our best to assist our clients in this process. This includes providing guidance, facilitating contact with relevant parties and ensuring that you understand your rights and responsibilities in the claims process.
Our priority is to provide you with quality service and comprehensive assistance. We understand that claims can be a difficult time, and we are here to provide you with the support you need. If you have any questions, concerns or need assistance in the claims process, please don’t hesitate to contact us. We are committed to working with you every step of the way to ensure an efficient and fair resolution.
REFUND POLICY
At trust4wise Insurance Agency, we strive to provide the best service to our customers. We understand that circumstances may change, and you may need to cancel your insurance policy.
Please read our refund policy carefully to understand your rights and obligations regarding refunds.
- Cancellation:
- If you cancel your policy, you may be entitled to a pro-rata refund of the premium, depending on the time remaining and based on the policies of the insurance company. The refund amount will be calculated based on the number of days the policy was in force.
- Non-Refundable Policies:
- Some insurance policies, such as short-term travel insurance or event-specific coverage, may be non-refundable once purchased. Please review your policy documents for specific terms and conditions.
- Procedure for Requesting a Refund:
- To request a refund, please contact our customer service department at customerservice@trust4wise.com. You will need to provide your policy number, the reason for cancellation, and any other required documentation. Our team will process your request with the insurance company and inform you of the outcome.
- Refund Processing Time:
- Refunds will be processed within the time frame established by the insurance company and/or the financing company.
- In case you have not yet activated the policy and request suspension of the process:
- Once we have confirmation of the deposit of the money in our bank account, we will proceed to make the refund, via transfer, to your account; this transfer will be effective in the times determined by the Banks.
- Changes to the Refund Policy:
- We reserve the right to modify this refund policy at any time. Any changes will be communicated to policyholders via email or our website.
Important: Finance charges/fees will not be reimbursed.
For further assistance or inquiries, please contact our customer service team customerservice@trust4wise.com
CONFIDENTIALITY
At trust4wise Insurance Agency, your information will be kept strictly confidential and will only be used for purposes related to your insurance policy.