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- 01/29/2024
Sudden and Accidental
Two words can determine if most claims are covered.
Unfortunately car accidents don't happen in slow motion.
Nicholas Springer
The two words that need to be addressed in any possible insurance claim are "Sudden and Accidental".
Insurance is for losses that occur both Suddenly AND Accidentally. If the loss was not caused by something that was either Sudden or accidental, it will probably not be covered under a normal homeowners or automobile insurance policy.
If a loss takes time to happen, i.e. a settling foundation or a slow water leak, the claim will generally be denied because the intention of most insurance policies is to cover sudden, accidental damage that is outside of the control of the insured.
A loss that is not accidental, in other words, intentional, is never covered. You cannot insure something that is going to have intentional damage. If you absolutely know it will happen, that is called "Pure Risk" and you just can't insure that.
Nick Springer, current President and CEO of Springer Insurance, joined the agency in 2000. From CSR to telemarketer, Associate Agent, Vice President and now President, Nick worked every possible job in the agency, including janitor while he was in middle school two nights a week!
After taking over for Reta, who retired in 2018, Nick and his wife Shannon have grown the agency to four locations and recently moved the Home Office to a new office condo, still in Midlothian. Over his many years, Nick has attained the designation of a Certified Authority on Workers Compensation (CAWC) and most recently the coveted Certified Insurance Counseller (CIC) designation.
Nick is now heading up the new Springer Private Client Division geared to High Net Worth clients.
