What should Paul do when quoting an auto policy that includes comp and collision?

When quoting an auto policy that includes comprehensive (comp) and collision coverage, it is essential for Paul to pursue an authorized carrier first. This process ensures that he is working within the regulatory framework that governs insurance practices in Michigan, where surplus lines can only be used when coverage is not available from licensed insurers. Engaging with an authorized carrier allows Paul to provide a competitive quote based on established guidelines and rating systems, which typically results in more favorable terms for clients.

Pursuing an unauthorized carrier without first exhausting the options with authorized ones could lead to potential compliance issues and may also affect the integrity of the quote. By demonstrating due diligence and following the correct procedure, Paul not only safeguards his agency but also serves his clients better by making sure they have access to the best available coverage options that meet their needs.