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Iowa
residents
have received
CA$HBACK checks
exceeding
$6,214,587.50
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Protect
your most important asset.... YOUR IDENTITY!
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Ace Coverage
ANPAC®
offers you a choice with ACE coverage...
ACE
provides...
- OEM
Parts Coverage
- No
deduction for depreciation on car repairs
- Vehicle
Replacement for new cars
- Up
to $100 for personal items
| "OEM
Parts Coverage"... |
We
will repair your vehicle with original equipment
manufacturer (OEM) parts, if available, rather than
other competitive replacement parts. |
What
are OEM and CAPA Certified replacement parts?
- Replacement
parts are sheet metal and plastic components such as hoods,
bumpers, fenders, and doors, which account for the majority
of damage in auto accidents.
- Either
an independent manufacturer or the original manufacturer
(OEM) may make these parts.
- Parts
made by an independent manufacturer must meet the safety
standards of CAPA (Certified Automotive Parts Association).
- ANPAC®
uses only CAPA-certified parts that have undergone extensive
quality testing if made by an independent manufacturer.
Why
should I pay extra for the OEM Parts Coverage?
- The
cost of using primarily OEM parts has increased claims costs
nationwide.
- Rather
than increasing physical damage premiums for every car you
own, we prefer to give YOU the choice on which cars YOU
want to purchase OEM coverage, if any.
- Many
people may not feel the need to pay additional premium for
using only new OEM parts. Others may prefer that only OEM
parts be used.
ACE
gives YOU the choice!
| Without
ACE, |
we
repair damage to your vehicle using quality, CAPA-certified
parts or used OEM parts from similar make, model and
age of vehicle. |
| With
ACE, |
we
repair damage to your vehicle using only brand new OEM
parts, if available. |
No
Deduction for Depreciation on Car Repairs
With
ACE we will not deduct
the difference between the value of the new parts, paint,
tires, batteries, etc. used to repair your auto and the
depreciated value of the old parts or paint, as is normally
done in loss settlement.
Depreciation
will be taken on the engine and drive train.
Vehicle
Replacement
If damage
to your new car exceeds 20% of the original purchase price
within the first twelve months you own it and before the
odometer reaches 15,000 miles, we will pay the original
purchase price or the cost to replace it with an untitled
vehicle of the same year, model and equipment!
Personal
Items
With
ACE, we will also pay
up to $100 for personal items, such as CD's in the
car when a loss occurs.
If you
are interested in ACE for your vehicle(s), please contact
me today!
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All
products, coverages, and options are not available in all
states, and eligibility requirements will apply. Products
and services referenced in this Web site are provided through
multiple companies. Each company has financial responsibility
only for its own products and services, and is not responsible
for the products and services provided by the other companies.
Life
insurance and annuities are issued through American National
Insurance Company, Galveston, TX. Personal and commercial
lines insurance is issued by American National Property And
Casualty Company (ANPAC®), Springfield, MO, its subsidiaries
or affiliates, including American National General Insurance
Company, Pacific Property And Casualty Company (California),
American National Lloyds Insurance Company (Texas), American
National County Mutual Insurance Company (serviced by ANPAC®-Texas),
and ANPAC® Louisiana Insurance Company (Louisiana). American
National Property And Casualty Company is a subsidiary of
American National Insurance Company.
Disability
Income products and services are issued by Illinois Mutual
Life Insurance Company, Peoria, Illinois or Principal Life
Insurance Company, Des Moines, IA.
Tax
issues that may be discussed are subject to change, and this
is for your information only. Discussion of such issues does
not constitute tax or legal advice. Please consult your tax
advisor, attorney or CPA for guidance on all tax matters.
These
brief descriptions of coverages available are for illustration
purposes only, and are not intended as a statement of contract.
For actual terms and conditions of coverage provided, refer
to your insurance policy. For more information about coverage
options and availability, talk to your American National agent.
American National Family of Companies reserves the right to
discontinue programs at any time.
This
site may have links to other sites not maintained by American
National Insurance Company, its subsidiaries or affiliates.
Such links do not imply endorsement or approval of these sites
or the content therein by American National, its subsidiaries
or affiliates.
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Osby Insurance operates exclusively in the State of Iowa
Copyright © 2010 Osby Insurance and Some Assembly Required.
All
rights reserved.
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Greg
Osby, CLU, ChFC
8515 Douglas Ave. Suite 22
Des Moines, IA 50322
(515) 727-5433 - ph
(515) 727-5199 - fax

Serving the Greater Des Moines area in Iowa including:
Des Moines, Urbandale, Clive, Windsor Heights, West
Des Moines, Ankeny, Norwalk, Waukee, Granger & Johnston,
Iowa

With
ANPAC Five Star Claim Service you can be
sure that your premium dollars will buy the protection
you need and the prompt, courteous service that you
deserve.
Choose
American National for your auto, home, and life insurance
needs, and receive up to a 15% TLC Discount on qualifying
auto and home premiums.

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