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page21APublicationofIndependentInsuranceAgentsofWVComporCollIsIoncontinuedFromPage20AdvertiseintheTx15Wx15x1btVx17x1ax16x17x18x17x14ix18x1bx1dx1ax19x1aindependenx10insuranceagenx10sofWesx10Virginiainc.179SummersStreetSuite321CharlestonWV25301MAILINGADDRESSP.O.Box1226CharlestonWV25324P304342-2440TF800274-4298F304344-4492IndependentInsuranceAgentsofWestVirginiaInc.Callusat304342-2440Howeverreviewthelistofx1ccomprehensivex1dperilscitedabove.Thetreelimbx14fallingobjectonthelistx14isdenedtobeacomploss.Likewisethedeerfallsintocategorynineonthelistandisacomploss.Otherwisetheywouldbecollisionlosses.Thatdemonstratesthattheautodoesnothavetobeinmotionfortheretobeacollisionclaim.Ingeneralmanycollisionlossesthatarenotthesolefaultofthedriverareconsideredcomprehensivelossesbecausethedeductibleisusuallylowerandthereisusuallynotaratingpenalty.Inthiscasefromajusticestandpointtheinsuredx19sownnegligencewasthecauseofthedamagetohisautoanditx19snotunreasonablethatitisconsideredacollision.BillWilsonisdirectoroftheBigx1cIx1dVirtualUniversitywww.iiaba.netFloodItx19stimetoupgradetoBigx1cIx1dFlood.FLOODInAboveandOutsidetheNFIPIndividualattention.Educationandguidance.Timelyresponse.Goingaboveandbeyond.Thesearethehallmarksofexcellentserviceyoustrivetoprovideyourclientseveryday.AreyougettingthesamekindoftreatmentfromyourcurrentfloodcarrierBigx1cIx1dFloodprovidesACCESS-InAboveOutsideoftheNFIPEDUCATION-ClassroomCEorthenewFloodLearningCenteronVUADVOCACY-RepresentationonCapitolHillNFIPadvisorycommitteesLearnmoreatwww.iiaba.netFloodorcontactBigx1cIx1dFloodProgramManagerLindaMackeyatlinda.mackeyiiaba.netor800221-7917.LetusexplainhowweoperateinaboveandoutsidetheNFIPRelax...Youx19veoferedeachoxbyourclientsapersonalumbrellapolicy.RightItmightnotbeasrelaxingasadayatthebeachbutknowingyoux19vedoneevery-thinginyourpowertoprotectthecustomerswhotrustyoutohelpthemwillgoalongwaytowardseasingyourmind.AsaBigx1cIx1dmemberyouhaveaccesstoastandalonepersonalumbrellaprogramx13romAcarrierRLIx13eaturingLimitsupto5millionavailableExcessUMUIMavailableinallstatesYoucankeepyourcurrenthomeownerautoinsurerUptooneDWIDUIperhouseholdallowedAutolimitsaslowas10030050incertaincasesCompetitivelowpremiumsforincreasedlimitsofliabilitySimpleself-underwritingapplicationthatletsyouknowimmediatelyiftheinsuredisacceptedE-SignatureandcreditcardpaymentoptionsImmediatecoverageavailableinall50statesplusD.C.Socoveryourclients..protectyouragency..andproftx13romumbrellasalesToaccesslogontowww.bigimarkets.comorvisitwww.iiaba.netUmbrella.