FAQ

Q:  Will I receive an invoice or a statement?

A:  Beginning January 1, 2019, we shifted from a “Statement” to “Invoice” based procedure. The Invoice will show that payment is due within 15 days of the Date Invoiced. In addition, as a reminder that payment is due, the new system will automatically send a “pre-intent” notice to cancel after 20 days if the account is past due. After 30 days, if payment has not been received, then an actual Notice of Cancellation will be sent.

 

Q:  What are my Payment Options for Agency Billed Accounts?

A:

Option 1 – Insured Makes a Credit Card Payment
The Insured may use a Visa, MasterCard, American Express, or Discover Card to make a payment. Please note that there will be a 3.50% processing fee.  In order to process a credit card payment, we require the cardholder to fill out a Credit Card Authorization Form. The form can be found here.  To make a payment, visit www.jkrar.com/payment.

Option 2 – Agent Makes ACH/e-Check Payment
The Agency can make a payment by ACH/eCheck. We cannot accept Insured’s checks. Please note that there will be a $3.00 flat processing fee.  To make a payment, visit www.jkrar.com/payment.

Option 3 – Premium Financing
The Agent can request financing for the Insured by contacting our Accounting department at (860) 628-3967 for a quote.

For Direct Billed Accounts, please see below question.

 

Q:  What is the Direct Bill Carrier Payment Process?

A:  When a policy is Direct Billed through a Carrier, the Insured will get a bill and they need to pay the Carrier directly or they need to pay the Agent who will then need to pay the Carrier.

If the insured is paying the Carrier directly and wants to make payment by credit card, they need to go to the Carrier’s website to make a payment. No credit card payments for Direct Billed policies are to be made to us on our site.

We cannot accept the money for these Direct Billed policies. If payment is sent to us, we will have to send the payment back to the Agent so that payment can me made to the Carrier.

Please note that payment needs to be made Gross and the Agents cannot retain their commission. We receive the commission after the payment is made and then we will pay the Agent their portion of the commission.

Common Direct Bill Carriers include USLI, USAssure, Utica First

 

Q:  Are you able to accept Insureds Checks?

A:  We cannot accept Insured’s Checks, we can only accept Agency Checks. Please note that there is an ACH/e-check processing flat fee of $3.00.

 

Q:  What is the fee for returned checks?

A:  Any checks that are returned due to insufficient funds will result in a $30.00 fee.

 

Q:  What is your refund policy?

A:  There will be no refunds given on this site. We will send any and all returns for cancellations, return endorsements, etc., to the Agents per our standard protocol.  They in turn will return to the Insureds.

 

Q:  How can I obtain a Credit Card Authorization Form?

A:  In order to process a credit card payment, we require the cardholder to fill out a Credit Card Authorization Form. The form can be found here.  Please keep a copy of this signed form and a copy of the insured’s driver’s license for your records.

 

Q:  Can you offer Premium Financing options?

A:  Yes, we offer Premium Financing on Agency Billed Accounts (not on Direct Billed Accounts). To obtain a quote for Premium Financing, please contact our Accounting Department at (860) 628-3967. Additional resource: Payment Options

Q: How do I become appointed to write business with Joseph Krar & Associates?

A: If your agency is based in Massachusetts or New Hampshire please email Eva Morel at emorel@jkrar.com to obtain appointment paperwork. If your agency is based in Connecticut, Rhode Island or Maine please email Joe Russo at jrusso@jkrar.com to obtain appointment paperwork. For all other inquiries, please contact our office at (860) 628-3967.

Q: My agency has recently changed our mailing address, email addresses, phone number, fax number, or we have personnel updates etc.

A: If your agency is based in Massachusetts, Maine or New Hampshire please email Eva Morel at emorel@jkrar.com.

If your agency is based in Connecticut, Rhode Island please email Joe Russo at jrusso@jkrar.com. For all other inquiries, please contact our office at (860) 628-3967.

 

Q: To whom should I inform of agency mergers and acquisitions?

A: If your agency is based in Massachusetts or New Hampshire please email Eva Morel at emorel@jkrar.com. If your agency is based in Connecticut, Rhode Island or Maine please email Joe Russo at jrusso@jkrar.com. For all other inquiries, please contact our office at (860) 628-3967.

Q: How do I submit a claim or check the status of a filed claim?

A: Please contact us at claims@jkrar.com.

 

Q: How do I request a Loss Runs Report?

A: Please contact us through this page.

Q: How can I obtain access to quote online?

A: If your agency is based in Massachusetts or New Hampshire please email Eva Morel at emorel@jkrar.com to request a password reset. If your agency is based in Connecticut, Rhode Island or Maine please email Joe Russo at jrusso@jkrar.com to request a password reset. For all other inquiries, please contact our office at (860) 628-3967.

 

Q: I forgot my username and passwords, who should I contact?

A: If your agency is based in Massachusetts or New Hampshire please email Eva Morel at emorel@jkrar.com to request a password reset. If your agency is based in Connecticut, Rhode Island or Maine please email Joe Russo at jrusso@jkrar.com to request a password reset. For all other inquiries, please contact our office at (860) 628-3967.

 

Q: Do you offer Online Rating training?

A: Yes! If your agency is located in Connecticut or Rhode Island, please contact Joe at jrusso@jkrar.com to schedule an agency visit.
If your agency is located in Massachusetts, please contact Eva at emorel@jkrar.com to schedule an agency visit.

If your agency is located in Maine or New Hampshire, please email marketing@jkrar.com to set up a training.

Q: Where should I send New Business inquiries for quoting?

A: Please email any new business submissions to submissions@jkrar.com.

 

Q: Do you have Acord forms on your website?

A: No, unfortunately we are not able to provide these forms on our website.

 

Q: Where can I access your fillable supplemental applications, forms and affidavits?

A: Please click here to visit that page. If you do not see the application you’re looking for, please email submissions@jkrar.com with your request.