Posted on: February 19th, 2015 by The Accel Group | No Comments


The Accel Group: Coverage and Services


About The Accel Group 

Since 1928, The Accel Group has provided personalized insurance coverage, risk management, and financial services to customers throughout the Eastern Iowa area. The Accel Group works with more than 35 individual insurance companies to ensure customers receive the best rates and coverage available.  Services including insurance, risk management, and financial services are accompanied by excellent customer service. As one of Eastern Iowas largest locally owned, independent insurance agencies, The Accel Group strives to deliver the best insurance products at the best price, for every customer.  Continue reading to learn more about the insurance options available with The Accel Group in Eastern Iowa.



Auto Insurance

With a number of companies to choose from, The Accel Group is well equipped to help customers find the auto insurance that fits their specific car and driving needs.  From choosing a policy to determining coverage we work directly with our customers throughout the entire process.

Finding the right auto insurance coverage can be overwhelming and possibly confusing. The Accel Group can help you understand liability limits, optional coverage, and other important options offered by different insurance companies.


Types of Coverage 

Comprehensive auto insurance takes the risk out of driving and places it in the hands of your insurance company.  Comprehensive coverage not only covers that of a regular insurance plan, but additional factors including hail, deer, vandalism, and fire.  With comprehensive car insurance, customers can rest assured that they personally, other drivers, and their vehicle are always covered in case of an accident.

Coverage available under comprehensive auto insurance coverage:

  • Bodily injury
  • Physical damage
  • Underinsured/uninsured liability
  • Medical
  • Collision

Recreational vehicle coverage is an important option to consider for the family with lots of ‘toys.’   From RV’s, snowmobiles, ATV’s and trailers, The Accel Group can customize a recreational vehicle package to fit the needs of any outdoorsman.  Coverage on these types of vehicles could include liability, collision and comprehensive, emergency expenses, full-time, uninsured and underinsured, and vacation coverage.

Classic car policies should be a huge priority for owners of antique, exotic, classic, replica or custom vehicles.  A policy plan for your important investment will include all the necessary coverage. Comprehensive, collision, new purchase coverage, bodily injury liability and property damage liability coverage are all options under a classic car policy. Other important coverage includes spare parts coverage, personal injury protection, and uninsured/underinsured motorist coverage.  Regardless of how much or little you drive your prized possession, The Accel Group will help you find the right plan and coverage at the right price.



Home Insurance

Home insurance protects more than just the four walls of your home.  It protects your valuable assets within the home.  The Accel Group in Eastern Iowa wants to help you protect those valuable assets by providing the best options for home insurance coverage.  From first time homeowners, renters, or vacation homeowners, The Accel Group will assess your properties, and help you determine the proper coverage.

Types of coverage:

  • Homeowners insurance
  • Condominium insurance
  • Mobile home insurance
  • Renters insurance
  • Vacation home insurance
  • Rental dwellings insurance for landlords
  • Flood insurance
  • Umbrella polity

For all types of insurance, policies are customizable to fit unique needs.  Additional riders such as sewer and water back up coverage, personal article policies, identity theft insurance, ordinance and law coverage, and in-home business insurance can accompany insurance policies to enhance protection of assets.

When assessing the need for coverage, The Accel Group can help you understand market value and replacement cost.  It’s important to maintain coverage at 100% of your homes estimated replacement cost at all times.  Agents at The Accel Group will help you understand the difference and determine the correct amount of coverage.



Life Insurance

Life insurance ensures the financial wellbeing of family members and other loved ones in the case of the insured party’s death.  Life insurance covers outstanding medical bills, funeral expenses, lost income and other outstanding debt after a loss.

Depending on health, age, and circumstances, individuals may choose from a variety of life insurance plans.


Types of Coverage

Whole life insurance ensures life long coverage and accumulates cash value over time.

Term life insurance is tailored more towards short-range goals that may include paying off a loan or extra life insurance while children are young.  Coverage is only provided for a stated period of time with term life insurance.

Key man insurance is placed on the ‘key’ person in a business.  If a business were to sink without the key person, key man insurance would insure the business in their loss.

What is the importance of life insurance?  Life insurance can help replace lost income of a deceased family member.  Life insurance also helps to pay off mortgages, loans, or business debt.  Funding college, funeral costs and taxes, and emergency funds are other reasons individuals choose to purchase life insurance.

The Accel Group understands the importance of your loved ones, and is available to help you make an informed decision about life insurance.



Health Insurance

Health insurance is necessary for covering important healthcare needs that occur.  Unfortunately, accidents and illnesses happen and health insurance protects your financial security when they do.  Because medical care in the United States can be expensive, choosing the right plan for yourself and your family is as important as ever.  The Accel Group walks through the fine details of coverage with customers making sure every aspect of your family’s health is covered.


Types of Coverage 

Individual major medical insurance can include comprehensive or basic long-term coverage.  The Accel Group provides different health insurance plans designed for single individuals.  The agents at The Accel Group will provide information on premiums, deductibles, coinsurance, and co-payments, to help you determine the coverage best for you.

Short-term major medical insurance provides temporary coverage for individuals in certain circumstances for a duration of 30 days to six months.  This type of coverage is perfect for students, individuals on a leave of absence, individuals between jobs, new employees or any individual in need of temporary coverage.

Disability income policies protect individuals from financial insecurity during major illness or accidents that keep them from working and paying the bills. If customers fall sick, injured, or disabled and cannot work, a disability income policy protects income by providing a monthly income directly to the customer.

Medical supplement insurance helps individuals finance medical supplements that may not be covered by Medicare.  Because Medicare does not cover every aspect of healthcare individuals need, this type of coverage provides an additional, high level of health insurance protection for those individuals.

Group health insurance provides medical coverage for business owners and their employees.  This kind of coverage distributes risk between members of a group, which allows for heightened coverage with lower premiums.  Because of tax advantages, group health insurance plans are a great option for business owners and their employees.

How do I know what coverage I need?  Because health insurance is so important for you and your family, speak with a The Accel Group agent to ensure you purchase the correct coverage.



Business Insurance

The Accel Group in Eastern Iowa can insure your business with a comprehensive business insurance plan.  From local agencies to national insurance companies, The Accel Group will provide you with the right information to make the best decision about purchasing coverage from the right company.

If your business requires vehicles, commercial auto coverage is available through The Accel Group. General liability insurance protects your business when individuals or their property are injured or damaged.  Property insurance protects the brick and mortar of a company and the equipment, technology, or machinery that the business uses.

Other types of coverage include:

  • Worker’s compensation coverage
  • Inland and ocean marine
  • Commercial umbrellas
  • Small business owners package
  • Small truck fleet coverage
  • Pollution liability coverage
  • Professional liability coverage
  • Director’s and officer’s liability coverage
  • Employment practices liability coverage

With so many options to consider, it’s important to work with a professional agent to help you make a well-informed choice when insuring your business.  The Accel Group agents can help you determine insurance needs, understand the need for additional coverage, and choose a plan that is right for your business.

With so many insurance options available for all aspects of life, making the right choice in terms of coverage can be difficult.  The Accel Group agents are available and equipped to answer all of your questions regarding insurance in Eastern Iowa and surrounding areas.  For more information about auto insurance, home insurance, life insurance, health insurance, or business insurance coverage in Eastern Iowa, visit The Accel Group online or speak with an Accel Group agent.