gen-ins

Understanding Uninsured/Underinsured Motorist Coverage

Mon, 25 Aug 2025 17:56:18 GMT

In today's fast-paced world, accidents on the road are an unfortunate reality. While we strive to drive safely, the risk of encountering an uninsured or underinsured driver is always present. This is where uninsured/underinsured motorist (UM/UIM) coverage comes into play, offering a crucial safety net in such situations.

What is Uninsured/Underinsured Motorist Coverage?

Uninsured motorist coverage (UM) provides financial protection if you are involved in an accident with an uninsured driver. Underinsured motorist coverage (UIM) steps in when the other driver's insurance coverage is insufficient to cover your losses. In both cases, your own insurance company will cover your medical expenses, lost wages, and property damage up to your policy limits.

Why is Uninsured/Underinsured Motorist Coverage Important?

Prevalence of Uninsured Drivers: There are millions of uninsured drivers on the road, making the risk of being involved in an accident with one a real possibility. UM coverage ensures you're not left financially burdened if you're the victim of such an accident.
Underinsured Drivers: Even if the other driver has insurance, their coverage limits may be insufficient to fully compensate you for your losses. UIM coverage provides additional protection in these situations.
Peace of Mind: Knowing you have UM/UIM coverage can provide peace of mind and reduce stress in the event of an accident. You won't have to worry about financial ruin due to the negligence of another driver.
State Requirements: Many states require drivers to carry UM/UIM coverage as part of their minimum insurance requirements. Even if your state doesn't mandate it, it's highly recommended to have this coverage in place.

How Does Uninsured/Underinsured Motorist Coverage Work?

The process of filing a claim under UM/UIM coverage is similar to filing a claim with an at-fault driver's insurance company. You'll need to provide documentation of the accident, medical bills, lost wages, and property damage. Your insurance company will then evaluate your claim and determine the amount of compensation you're eligible to receive.

Factors Affecting UM/UIM Coverage

Several factors can influence the cost and coverage limits of your UM/UIM insurance:

State Requirements: The minimum coverage limits for UM/UIM vary by state. Be sure to check your state's requirements to ensure you have adequate coverage.
Your Vehicle: The type of vehicle you drive can affect your premium. Higher-value vehicles may have higher premiums.
Your Driving Record: A clean driving record can lead to lower premiums.

Additional Tips for Protecting Yourself

Check Your Policy: Review your current auto insurance policy to ensure you have adequate UM/UIM coverage.
Consider Increasing Limits: If your state's minimum coverage limits are too low, consider increasing your UM/UIM coverage to provide better protection.
Be Prepared: Keep a copy of your insurance card, driver's license, and vehicle registration in your car at all times. This will make filing a claim easier in the event of an accident.
Report Accidents Promptly: If you're involved in an accident, report it to your insurance company as soon as possible. This will help initiate the claims process and ensure you receive the benefits you're entitled to.

Uninsured/underinsured motorist coverage is a vital component of your auto insurance policy. By understanding the importance of this coverage and taking steps to ensure you have adequate protection, you can safeguard yourself and your loved ones from the financial consequences of accidents involving uninsured or underinsured drivers.

Unveiling the Power of Living Benefits in Life Insurance

Wed, 23 Jul 2025 14:30:29 GMT

Life insurance is often associated with providing financial security for loved ones after your passing. However, its benefits extend far beyond the end of your life. Some life insurance policies offer living benefits (while others require it to be added on as a rider), providing financial support during your lifetime to address critical illnesses, terminal diseases, and long-term care needs.

Understanding Living Benefits

Living benefits are riders or provisions added to a life insurance policy that allow you to access a portion of the death benefit while you are still alive under certain circumstances. These benefits typically fall into two categories:

Accelerated Death Benefits: This allows you to receive a portion of the death benefit if you are diagnosed with a terminal illness or are confined to a nursing home.
Long-Term Care Benefits: These benefits provide financial support for long-term care expenses, such as nursing home care or in-home assistance.

The Value of Living Benefits

Living benefits offer several advantages:

Financial Security: In the event of a critical illness or terminal disease, living benefits can provide a much-needed financial cushion to cover medical expenses, lost income, and daily living costs.
Peace of Mind: Knowing you have access to financial support in case of unforeseen health challenges can offer peace of mind and reduce stress.
Flexibility: Living benefits can be customized to meet your specific needs. You can choose the percentage of the death benefit to access and the conditions that trigger the payout.
Tax Benefits: In some cases, the proceeds from living benefits may be tax-free, depending on your specific circumstances.

Types of Living Benefits

Critical Illness Coverage: This benefit provides a lump sum payout if you are diagnosed with a covered critical illness, such as heart attack, stroke, cancer, or kidney failure.
Terminal Illness Coverage: Similar to critical illness coverage, but typically requires a diagnosis of a terminal illness with a life expectancy of less than 12 months.
Long-Term Care Benefits: This benefit provides financial support for long-term care services, such as nursing home care or in-home assistance.

Choosing the Right Living Benefits

When selecting living benefits, consider the following factors:

Your Health: Assess your overall health and risk factors for critical illnesses or long-term care needs.
Your Financial Situation: Evaluate your financial resources and the potential costs associated with critical illnesses or long-term care.
Your Life Insurance Policy: Review your existing life insurance policy to see if it offers living benefits or if you can add them as riders.
Cost: Living benefits typically increase your premium, so weigh the costs against the potential benefits.

Case Study: A Real-Life Example

Imagine John, a 55-year-old father of two, who was diagnosed with a terminal illness. Thanks to the living benefits in his life insurance policy, he was able to access a portion of the death benefit to cover medical expenses, modify his home for accessibility, and spend quality time with his family before his passing.

Living Benefits and Financial Planning

Living benefits can be a valuable component of your overall financial plan. They can help protect your assets and provide financial security in the event of unexpected health challenges. When considering life insurance, be sure to inquire about the availability of living benefits and how they can benefit you.

Living benefits offer a powerful way to extend the value of your life insurance policy beyond the end of your life. By providing financial support during critical times, they can alleviate stress, protect your assets, and ensure a better quality of life. If you're considering life insurance or want to review your existing policy, be sure to explore the options for living benefits and how they can enhance your financial security.

Contact our insurance agency today to learn more about living benefits and how they can benefit you. Our experienced agents can help you assess your needs and find the right life insurance policy to protect your family's financial future.

A Step-by-Step Guide to Handling a Car Accident

Wed, 22 Jan 2025 14:43:29 GMT

The shock and adrenaline rush after a car accident can cloud your judgment, making it difficult to know what to do next. But taking the right steps immediately can significantly impact your safety, legal rights, and the efficiency of the insurance claim process.

Step 1: Ensure Everyone's Safety and Call for Help

Check yourself and others involved for injuries: If anyone needs medical attention, call 911 immediately. Do not move injured individuals unless absolutely necessary.
Move your car to a safe location: If possible, move your car off the road to avoid further accidents, but only if doing so doesn't worsen any injuries.

Step 2: Secure the Scene and Gather Information

Call the police: Reporting the accident to the police creates an official record and secures a police report, crucial for insurance claims and potential legal proceedings.
Exchange information with the other driver(s): Obtain names, driver's licenses, insurance information, contact details, and license plate numbers of all involved parties.
Document the scene: Take pictures of the damage to all vehicles, skid marks, debris, and surrounding landmarks. Use your phone's location services to capture the accident's exact location.

Step 3: Seek Medical Attention, Even if You Feel Okay

Don't underestimate injuries: Some injuries, like whiplash or internal bleeding, might not manifest immediately. See a doctor to get a thorough evaluation and documentation of any injuries.
Keep all medical records: Maintain copies of all medical bills, reports, and prescriptions related to the accident.

Step 4: Contact Your Insurance Company

Report the accident as soon as possible: Delaying notification can negatively impact your claim. Provide an honest and detailed account of the accident, avoiding assigning blame.
Do not discuss fault with the other driver's insurance company: Stick to providing factual information and refer them to your own insurance company for further communication.

Step 5: Gather Additional Evidence

Talk to witnesses: If there were witnesses, obtain their contact information and statements describing what they saw.
Preserve evidence: Keep damaged clothing, car parts, or other physical evidence related to the accident.
Take notes: Document everything you remember about the accident, including the time, location, weather conditions, and your recollection of events.

Step 6: Consider Seeking Legal Advice

Complex situations : If the accident involved serious injuries, extensive property damage, or disputed fault, consulting a lawyer specialized in personal injury cases can protect your rights and maximize your compensation.
Understanding your rights: A lawyer can guide you through the legal intricacies of the claims process and ensure you receive fair compensation for your losses.

Remember

Stay calm and don't admit fault: Stick to factual statements and avoid offering opinions or apologies that could be misconstrued as accepting blame.
Keep copies of all documentation: Maintain thorough records of all communication with insurance companies, medical documents, police reports, and witness statements.
Be patient: The claims process can take time. Stay informed, ask questions, and follow up with your insurance company and legal counsel as needed.

By following these steps after a car accident, you can protect yourself, ensure your rights are upheld, and streamline the claims process. While experiencing an accident can be stressful, remaining informed and taking proactive measures empowers you to navigate the situation with confidence and seek fair compensation for your losses. Remember, your safety and well-being are of utmost importance. Don't hesitate to seek medical attention or legal counsel if necessary. And if you need further assistance, feel free to contact our agency for expert guidance and support throughout the claims process.

Whole Life vs. Term Life

Mon, 23 Dec 2024 13:22:27 GMT

Life insurance can seem like a labyrinth of confusing terms and options. But in the grand scheme of securing your loved ones' future, navigating it is crucial. Two of the most common choices are whole life and term life insurance, each catering to distinct needs and budgets. So, how do you determine which one deserves a spot in your financial tapestry? Let's unravel the intricate threads of whole life vs. term life insurance and empower you to make an informed decision.

Understanding Whole Life Insurance

Think of whole life insurance as a two-in-one package: guaranteed lifetime coverage and a built-in savings component. Imagine it as a sturdy oak, rooted in stability. Here's what it offers:

Death benefit: A guaranteed payout to your beneficiaries upon your passing, regardless of when it occurs.
Cash value: A pot of money that grows steadily over time through a portion of your premiums. You can access this value through loans, withdrawals, or surrender the policy for its accumulated cash.
Tax advantages: Depending on your situation, some of the cash value growth may be tax-free, offering a potential wealth-building tool.

Who Benefits from Whole Life Insurance?

Long-term financial security: If you want to leave a substantial legacy for your loved ones, whole life's guaranteed death benefit and cash value growth can be immensely valuable.
Estate planning: Whole life policies can play a crucial role in minimizing estate taxes and ensuring smooth wealth transfer.
Supplementing retirement income: The accumulated cash value in a whole life policy can provide supplemental income during retirement.

Understanding Term Life Insurance

Picture term life as a flexible shield, protecting your loved ones for a specific period or "term" at a significantly lower cost than whole life. Here's what it provides:

Pure protection: Term life focuses solely on the death benefit. It doesn't accrue cash value and expires at the end of the chosen term.
Affordable premiums: Term life premiums are significantly cheaper than whole life, making it an accessible option for younger individuals or those on a tight budget.
Flexibility: You can choose term lengths ranging from 10 to 30 years or more, customizing your coverage to your evolving needs.

Who Benefits from Term Life Insurance?

Young families: Providing temporary financial security for dependents while raising children and building wealth.
Mortgage protection: Paying off a mortgage in case of your untimely demise, ensuring your family retains their home.
Income replacement: Offering temporary income to your family until their financial footing is solidified after your passing.

Weighing the Scales: When to Choose Whole Life vs. Term Life

Ultimately, the ideal choice depends on your unique goals and financial needs. Here's a framework to help you decide:

Choose Whole Life if:

You prioritize long-term financial security and leaving a sizable inheritance.
You're looking for a tax-advantaged savings component alongside life insurance.
You prefer the stability of a guaranteed death benefit regardless of your lifespan.

Choose Term Life if:

You need affordable coverage for a specific period like mortgage protection or child dependency.
Your budget prioritizes other financial goals like debt repayment or investment.
You're young and healthy, making the high cost of whole life less attractive.

Remember: This is not a one-size-fits-all equation. Consider consulting a financial advisor to analyze your specific needs and recommend the perfect life insurance solution for your unique journey.

Beyond the Surface: Additional Considerations

Health: Your health significantly impacts your life insurance premiums. Both whole and term life premiums are based on various factors, including your age, health, and lifestyle habits.
Riders: Both whole and term life policies can be enhanced with additional features like accidental death riders or disability income riders, offering broader protection at an additional cost.
Policy Reviews: As your life circumstances evolve, so should your insurance coverage. Regularly review your policy to ensure it aligns with your changing needs and adjust it accordingly.

Choosing the right life insurance doesn't have to be a daunting task. By understanding the core principles of whole and term life insurance, carefully assessing your personal goals, and seeking professional guidance if needed, you can confidently chart a course

Contractor Insurance is Essential for Home Improvements

Thu, 21 Nov 2024 14:35:18 GMT

When hiring contractors for home projects, ensuring they have proper insurance coverage is crucial. Let's explore why verifying contractor insurance matters and how it shields your property during renovations or repairs.

The Significance of Contractor Insurance

Contractor insurance serves as a safety net, shielding both homeowners and contractors in case of unforeseen incidents during home projects. It ensures that the contractor is financially equipped to handle damages or injuries that may occur on-site.

Why It's Essential for Your Home

Imagine a scenario where a contractor accidentally damages your property or a worker gets injured while working on your home. Without proper insurance, you could be held liable for expenses, leading to financial strain and legal complications.

Understanding Liability Coverage

Contractors should have liability coverage, protecting against property damage or bodily injury occurring during the project. This coverage shields you from potential financial burdens arising from accidents on your property.

Worker's Compensation Insurance

Worker's compensation insurance covers medical expenses and lost wages for contractors' employees injured while working on your property. This is crucial as it prevents you from being held responsible for workplace injuries.

The Importance of Proof

Don't just take their word for it—ask for proof of insurance. Contractors should provide you with a certificate of insurance (COI) that outlines their coverage types and limits. Verify the COI's validity before starting the project.

Verifying Insurance

Contact the insurance company listed on the COI to confirm that the coverage is current and valid. Ensure the coverage aligns with the scope of the project, including coverage for property damage and bodily injury.

Risks of Hiring Uninsured Contractors

Hiring uninsured contractors exposes you to significant risks. You might be liable for accidents, damages, or substandard workmanship, leading to financial losses and potential legal disputes.

Ensuring that contractors have proper insurance coverage safeguards both your property and your finances during home projects. Prioritize contractors who possess comprehensive insurance coverage, protecting you from potential liabilities and ensuring peace of mind throughout the project. Always verify insurance details before commencement, ensuring a safe and secure home renovation or repair experience.

Should I Have Roadside Assistance?

Mon, 11 Nov 2024 14:13:42 GMT

Roadside emergencies happen when you least expect them. From flat tires to dead batteries, being stranded on the side of the road can be a stressful experience. That's where roadside assistance, an optional add-on to your auto insurance policy, comes into play.

Roadside assistance is a service that provides help when your vehicle breaks down or encounters problems while on the road. It typically includes services such as:

Benefits of Roadside Assistance

1. Peace of Mind: Knowing that help is just a phone call away can provide peace of mind while traveling.

2. Cost Savings: Roadside assistance services are often more cost-effective than paying for a tow truck or locksmith out of pocket. Typically, it costs a $1-3 per month for this additional coverage!

3. Convenience: Dealing with a breakdown can be stressful. Roadside assistance simplifies the process by providing quick solutions.

4. 24/7 Availability: Emergencies can happen at any time, and many roadside assistance programs are available 24/7.

Considerations Before Adding Roadside Assistance

1. Existing Coverage: Check if you already have coverage through another source, such as a vehicle warranty or an auto club membership.

2. Driving Habits: Consider how often and how far you drive. Frequent long-distance travelers may find it more valuable.

3. Vehicle Age: Older vehicles may be more prone to breakdowns, making roadside assistance a wise choice.

Whether or not you should have roadside assistance added to your auto insurance policy depends on your unique circumstances. If peace of mind, cost savings, and convenience are important to you, adding this coverage can be a valuable investment.

Take time to evaluate your existing coverage, driving habits, and vehicle age to make an informed decision. Ultimately, having roadside assistance can turn a potentially stressful roadside emergency into a manageable situation. So, think about your priorities and assess whether this optional coverage aligns with your needs and preferences.

RENOVATIONS AND HOME INSURANCE: WHAT YOU NEED TO KNOW

Wed, 25 Sep 2024 17:49:59 GMT

Embarking on a home renovation project is an exciting endeavor that can breathe new life into your living space and add value to your property. However, amidst the anticipation and creativity that renovations bring, it's crucial not to overlook the impact they can have on your home insurance.

Coverage Adjustments

Renovations can increase the value of your home, and it's essential to ensure that your home insurance coverage reflects these changes. Contact your insurance provider to discuss adjusting your policy to cover the updated value of your property. Failing to do so could leave your home underinsured in the event of a claim. Here's a common list of renovations that likely would warrant policy updates:

Kitchen Remodel
Bathroom Renovation
Room Additions
Basement Finishing
Roof Replacement
New Windows or Doors
Deck or Patio Addition
Swimming Pool Installation
Energy-Efficiency Upgrades
Home Office or Studio
Major Structural Changes
Landscaping and Outdoor Improvements
Security Upgrades
Garage or Carport Addition

Vacant Home Insurance

If your renovation project involves making your home temporarily uninhabitable due to construction, you may need vacant home insurance. Standard home insurance policies typically have restrictions regarding vacant homes, and this specialized coverage can bridge the gap during renovation periods.

Builder's Risk Insurance

For major renovations or construction projects, builder's risk insurance can be invaluable. It provides coverage for property damage and theft of building materials during the renovation process. This coverage safeguards your investment from unexpected setbacks.

Safety Considerations

Safety during renovations is not only essential for the well-being of those involved but also a factor that can impact your insurance. Ensure that contractors and workers adhere to safety guidelines to minimize the risk of accidents. A safe renovation environment can help prevent liability claims on your insurance.

Home Renovation Safety Tips

Safety should always be a top priority during home renovations. Here are some safety tips to consider:

Secure Tools and Materials: Keep tools and construction materials securely stored to prevent accidents and theft.
Hire Licensed Contractors: Ensure that contractors and workers are licensed and insured to minimize liability risks.
Notify Your Insurance Provider: Inform your insurance company about the renovation project and discuss any safety precautions required for coverage.
Regular Inspections: Conduct regular safety inspections to identify and address potential hazards promptly.

Remember that communication is key. Discuss your renovation plans with us to ensure you have the right coverage in place. By taking these steps and staying mindful of safety considerations, you can enjoy the benefits of your renovated home with confidence, knowing that both your investment and your family are well protected.

THE IMPORTANCE OF REGULAR POLICY REVIEWS FOR LIFE INSURANCE

Mon, 29 Jul 2024 17:20:15 GMT

Life insurance is a crucial financial tool that provides protection for you and your loved ones. However, as life unfolds, your insurance needs may change due to significant life events. Regular policy reviews are vital to ensure your life insurance coverage remains relevant and adequate throughout life's various milestones.

Life Event: Marriage

Marriage marks a significant life event where you share financial responsibilities with your spouse. A policy review is essential to assess if your current coverage is sufficient to support your partner in the event of your passing. You may also consider adding your spouse as a beneficiary to your policy.

Life Event: Becoming a Parent

Welcoming a new addition to your family brings joy and increased responsibilities. A policy review during this life event allows you to evaluate your life insurance needs to protect your child's future. You may consider increasing coverage to cover childcare expenses and ensure their financial security in case of the unexpected.

Life Event: Buying a Home

Purchasing a home is a significant financial commitment. A policy review can help you determine if your life insurance coverage is adequate to protect your family from mortgage debt if something were to happen to you. Ensure your loved ones can maintain the home without financial strain.

Life Event: Career Advancement

As your career advances, your income and financial responsibilities may change. A policy review enables you to assess whether your current coverage aligns with your new financial status. You may consider increasing coverage to ensure your family's lifestyle remains protected.

Life Event: Retirement Planning

Approaching retirement, a policy review helps you evaluate your life insurance needs as you transition into this new phase of life. Consider whether you still need coverage and if your policy aligns with your estate planning goals. You may explore options that provide supplemental income during retirement.

Life Event: Estate Planning

As you plan your estate, a policy review is crucial to ensure your life insurance beneficiaries are up-to-date and reflect your current wishes. Reviewing your coverage ensures that your loved ones receive the intended financial support.

Life events play a significant role in shaping your life insurance needs. Regular policy reviews are key to ensuring your coverage remains adequate and relevant throughout life's various milestones. Whether you're getting married, starting a family, buying a home, advancing in your career, or planning for retirement, staying up-to-date with your life insurance policy empowers you to make informed decisions. By prioritizing regular policy reviews, you can confidently navigate life's changes and secure the financial protection you and your loved ones deserve.

Home Insurance Claims: What to Do After a Disaster Strikes

Mon, 19 Feb 2024 17:36:01 GMT

When a disaster strikes, whether it's a fire, storm, or burglary, your home and belongings can suffer significant damage. In such unfortunate circumstances, knowing what to do after a disaster is crucial. This blog post will guide you through the necessary steps to take after a disaster strikes and how to navigate the home insurance claims process smoothly.

Assessing the Safety of Your Home

After a disaster, the safety of you and your family should be the top priority. Before entering your home, ensure that it is safe to do so. Check for structural damage, gas leaks, electrical hazards, or any other potential risks. If you suspect any immediate danger, contact the appropriate authorities or professionals for assistance.

Contacting Your Insurance Company

As soon as it is safe to do so, contact your insurance company to report the incident. Provide them with essential details about the disaster, including the date, time, and nature of the event. Take note of your policy number and keep it readily available for reference. Your insurance company will guide you through the claims process and provide instructions on the next steps. You can also contact us for assistance.

Documenting the Damage

To support your insurance claim, thoroughly document the damage to your property. Take photographs or videos of the affected areas, including any personal belongings that have been damaged or destroyed. Make a detailed inventory of damaged items, including their approximate value, purchase dates, and any relevant receipts. This documentation will help ensure that you receive the appropriate compensation for your losses.

Mitigating Further Damage

It is your responsibility as a homeowner to take reasonable steps to prevent further damage to your property. If safe to do so, take immediate action to mitigate any additional harm. This may involve covering broken windows, tarping damaged roofs, or drying out water-damaged areas. Keep records of any expenses incurred during the mitigation process, as they may be reimbursable under your insurance policy.

Working with Insurance Adjusters

Once you have reported the incident, your insurance company will assign an adjuster to evaluate the damage. Cooperate fully with the adjuster and provide them with all the necessary documentation and information. Be present during their assessment to ensure that all damages are accurately documented. Maintain open communication with your insurance company and ask questions if you are unsure about any aspect of the claims process.

Filing Your Home Insurance Claim

To initiate the claim, carefully complete the necessary claim forms provided by your insurance company. Include all relevant details, supporting documentation, and a comprehensive description of the damages incurred. Submit the claim promptly to avoid any unnecessary delays in the processing of your claim.

Following Up on Your Claim

After filing your claim, keep a record of all communications with your insurance company. Follow up regularly to check the status of your claim and address any concerns or inquiries promptly. Stay organized by keeping copies of all correspondence and claim-related documentation.

Seeking Professional Assistance if Needed

If you encounter challenges or difficulties during the claims process, consider seeking professional assistance from a public adjuster or an attorney specializing in insurance claims. These professionals can provide guidance, advocate on your behalf, and ensure that you receive a fair and accurate settlement for your losses.

Taking Care of Yourself and Your Family

Dealing with a home disaster can be emotionally and physically draining. Remember to prioritize self-care and seek support from family, friends, or counseling services if needed. Take steps to restore your well-being and create a sense of normalcy for yourself and your loved ones.

AUTO INSURANCE ADD-ONS: EXPLORING ADDITIONAL COVERAGE OPTIONS

Thu, 26 Oct 2023 16:47:44 GMT

When it comes to auto insurance, there are essential coverage options to protect you and your vehicle. However, you can also enhance your policy with additional add-ons that provide extra layers of protection and peace of mind. In this blog post, we will delve into the various add-ons and additional coverage options available for auto insurance. From roadside assistance to rental car coverage, we'll explore these options that can make a significant difference in times of need.

Roadside Assistance

Roadside assistance is a valuable add-on that provides help when you experience a breakdown or other vehicle-related issues. It typically includes services like towing, jump-starting a dead battery, delivering fuel, changing a flat tire, and locksmith services. Having roadside assistance coverage ensures that help is just a phone call away, providing convenience and peace of mind during unexpected roadside emergencies.

Rental Car Coverage

Rental car coverage is an add-on that comes into play when your vehicle is being repaired due to a covered accident or incident. It helps cover the cost of renting a substitute vehicle during the repair period. This add-on can be especially beneficial if you rely on your vehicle for daily transportation or have a long repair duration. Rental car coverage saves you from incurring additional expenses while your car is out of commission.

Gap Insurance

Gap insurance is an add-on coverage designed to protect you if your vehicle is declared a total loss after an accident. When a vehicle is deemed a total loss, the insurance payout may not fully cover the outstanding loan or lease balance. Gap insurance helps bridge this "gap" by paying the difference between the actual cash value of your vehicle and the amount owed. This coverage is particularly valuable for individuals who have recently purchased a new car or have a lease agreement.

Custom Parts And Equipment Coverage

Custom parts and equipment coverage is an add-on option for auto insurance that provides protection for aftermarket upgrades or modifications made to your vehicle. This coverage helps reimburse you for the cost of replacing or repairing these customized parts if they are damaged or stolen. Whether you have added a high-end sound system, custom rims, or other enhancements, custom parts and equipment coverage ensures that your investments are safeguarded in case of unexpected events. It's essential to review the terms and limits of this coverage to ensure you have adequate protection for your specific customizations.

Collision and Comprehensive

Collision and comprehensive coverage are two crucial optional coverages in auto insurance that provide valuable protection for your vehicle. Collision coverage specifically helps cover the costs of repairing or replacing your vehicle in case of accidents involving collisions with other vehicles or objects, regardless of who is at fault. It ensures that you can get your car repaired or replaced if it's damaged in an accident. On the other hand, comprehensive coverage protects your vehicle from various non-collision incidents such as theft, vandalism, fire, or natural disasters. While collision and comprehensive coverage are optional, they offer an extra layer of protection and can provide you with peace of mind knowing that you have coverage for a wide range of risks.

Life insurance is a valuable investment

Tue, 30 May 2023 14:41:55 GMT

Life insurance is a valuable investment that provides your loved ones with financial security and peace of mind. Most people think of life insurance as a way to provide for their family in the event of their untimely death. However, life insurance can be used in a variety of ways beyond just protecting your family's future.

Paying Off Debts

One of the most common uses for life insurance is to pay off outstanding debts. If you have any loans, a mortgage, or credit card balances that you haven't paid off yet, your life insurance policy can be used to cover those expenses. This can be especially helpful if you have a high amount of debt, as it can prevent your loved ones from being burdened with these financial obligations.

Paying for Your Children's Education

Another important use of life insurance is to help pay for your children's education. If you have young children, you may want to ensure that they have the financial resources to attend college or pursue other higher education opportunities. Life insurance can help provide the funds necessary to cover these expenses.

Supplementing Your Retirement Income

Life insurance can also be used to supplement your retirement income. Many types of life insurance policies, such as permanent life insurance, accumulate cash value over time. This cash value can be accessed through policy loans or withdrawals, providing you with additional income during your retirement years.

Additionally, some types of life insurance policies allow for the option to receive a portion of the death benefit as a living benefit if you are diagnosed with a terminal illness or chronic condition. This can provide additional financial support during a difficult time and may help you avoid depleting your retirement savings.

Providing Business Continuity

If you own a business, life insurance can be an important tool for providing business continuity in the event of your passing. For example, if you are a sole proprietor, your death could leave your business without a leader or income generator. Life insurance can provide the funds necessary to hire a replacement or cover ongoing expenses while the business is restructured or sold.

Similarly, if you have business partners, life insurance can be used to fund a buy-sell agreement. This agreement would ensure that your share of the business is sold to your partners or heirs at a fair price, providing them with the funds necessary to continue operating the business without you.

Estate Planning

Life insurance can also play an important role in estate planning. If you have significant assets or property, you may be concerned about the tax implications for your heirs upon your passing. Life insurance can provide the funds necessary to cover estate taxes and other expenses, ensuring that your loved ones receive as much of your estate as possible.

Additionally, life insurance can be used to provide an inheritance for your heirs. This can be particularly useful if you have assets that are difficult to divide, such as a family business or real estate.

Creating A Charitable Legacy

Another way you can use your life insurance policy is to create a charitable legacy. If you have a cause that you're passionate about, you can name a charity as the beneficiary of your life insurance policy. This will ensure that your legacy lives on and that your contributions to the cause continue even after you're gone.

Final Expense

Finally, your life insurance policy can be used to cover your final expenses. This can include funeral costs, medical bills, and other end-of-life expenses. By planning ahead and purchasing a life insurance policy, you can help ensure that your loved ones aren't burdened with these costs during an already difficult time.

Life insurance is a versatile financial tool that can be used in a variety of ways. Whether you're looking to protect your loved ones, pay off debts, or make a charitable contribution, a life insurance policy can provide the financial support you need. By working with us, we can help you find a policy that meets your unique needs and provides peace of mind for you and your loved ones.

Understanding Umbrella Insurance: What It Is and Who Needs It

Thu, 06 Apr 2023 14:20:57 GMT

When it comes to protecting your assets and finances, having adequate insurance coverage is essential. While most people are familiar with auto, home, and health insurance policies, there's another type of insurance that's often overlooked - umbrella insurance. In this post, we'll explain what umbrella insurance is, who needs it, and why it's important to consider.

What is Umbrella Insurance?

Umbrella insurance is a type of liability insurance that provides additional coverage beyond the limits of your existing insurance policies. It's designed to protect you from financial losses in the event of a major lawsuit or catastrophic event where your other insurance policies may not provide enough coverage.

For example, let's say you're involved in a car accident and you're found at fault. Your auto insurance policy may cover up to $500,000 in damages, but the other party sues you for $1 million. Without umbrella insurance, you'd be responsible for the remaining $500,000 out of pocket. But with umbrella insurance, you can have additional coverage of $1 million or more to cover the remaining costs.

Who Needs Umbrella Insurance?

While umbrella insurance isn't required by law, it's a smart investment for anyone who wants to protect their assets and financial future. Here are some situations where umbrella insurance may be particularly beneficial:

You have a high net worth: If you have significant assets, such as a large home, multiple vehicles, or investment properties, you may be at a higher risk of being sued for a large amount of money. Umbrella insurance can help protect your assets in the event of a lawsuit that exceeds the limits of your other insurance policies.
You have teenage drivers: Teenagers are more likely to be involved in accidents, which can result in higher insurance claims. Umbrella insurance can provide additional coverage in case of a serious accident that exceeds the limits of your auto insurance policy.
You have a high-risk profession: Some professions, such as doctors, lawyers, and business owners, may be at a higher risk of being sued for malpractice or negligence. Umbrella insurance can provide additional coverage beyond your professional liability insurance policy.

Why is Umbrella Insurance Important?

Umbrella insurance provides an additional layer of protection that can help safeguard your assets and financial future. Without umbrella insurance, you may be at risk of losing your home, savings, or other valuable assets in the event of a lawsuit. With umbrella insurance, you can have peace of mind knowing that you're protected from financial losses that exceed the limits of your other insurance policies.

In addition, umbrella insurance is typically very affordable, with coverage starting at around $200 per year for $1 million in coverage. This makes it a cost-effective way to protect yourself and your family from potential financial devastation. If you're unsure whether umbrella insurance is right for you, we can help you evaluate your needs and find the right coverage for your situation.

Post-Pandemic Distracted Driving

Sat, 02 Jul 2022 16:14:57 GMT

Dangerous distracted driving continues across the U.S., and it might have increased in the busy post-pandemic period, as one new study shows. Commercial drivers are part of the problem, as well as a key to the solution, according to the trucking insurance company that performed the survey.

Are you back to driving on the roads POST-PANDEMIC as part of your employment?

If you are, you are most likely feeling STRESSED, PRESSURED and CONCERNED about meeting your employers’ expectations. Recent reports are showing that 30% of drivers are feeling more anxious and 54% of drivers are feeling distracted and aggressive while driving.

A risk survey from Travelers suggest that work-related pressure might be leading to distracted driving. Expectations are high and so everyone is feeling pressured.

Here are some helpful ideas for employers and employees:

Communicate with your boss. 68% of employers report that they have official driving/texting/phone usage policies in place. Find out the expectation.
Encourage Best Practices. A full 56% of consumers admit to reading a text or email while driving. Decide before you get behind the wheel what you are going to do.
Speak Up. Only 11% of passengers have actually spoken up to co-workers when they feel unsafe due to a driver’s distraction. Let your employer know what to expect.
Lead by Example. Don’t call or text your employees when they are driving.

Are You a Small Business Owner?

Tue, 05 Apr 2022 14:19:41 GMT

If you are like us, we are grateful to be in business and have the opportunity to serve our community. General Insurance Services is always looking for opportunities to support other small business owners and we wanted to let you know that Mercury Insurance does too! Mercury proudly offers a variety of insurance protection specifically designed for business owners. Mercury has policies to help with your Commercial Auto, Apartments, Residential Condominium HOAs, Commercial Buildings, Restaurants and Small Businesses. The affordable insurance offered by Mercury offers best in class coverage and allows for peace of mind.

Working together, we can support each other. General Insurance has been serving the small business community over 75 years now. Let us know how we can help you.

Broken Pipe or Flooded Yard

Fri, 21 Jan 2022 16:20:25 GMT

Our neighbors work hard at maintaining the front yard of their property. It’s beautiful to look at and always decorated for the Holidays. Just after Christmas the yard was still decorated for Christmas but it was also filled with dirt, pipes, mud and a tractor. It was concerning.

We tried to help. We brought Dinner, helped take down the Christmas decorations and even helped level the ground once the broken pipe was located and repaired. It was an opportunity to be a good neighbor but we could have been a better neighbor if we had spoken to them earlier about the Service Line Protection Endorsement offered by Mercury with their Homeowners Policy.

Did you know that it is Your responsibility to repair or replace any service lines on your property that connect with municipality lines when the damage occurs on your residence property? Did you also know that your Standard Homeowners Policy does not provide coverage for these lines and they can be costly to repair?

Service Line Protection, a new enhancement to the Mercury homeowners policy offers coverage for service lines to the insured-owned, exterior and underground Water piping, Sewer piping, Ground loop piping, and power lines that provide electrical service.

The best part is that it costs just a few $$ per month. Be a good neighbor, be a good homeowner, talk to us, your MERCURY AGENT about how we can help. Ask us about Service Line Protection.

Teen Drivers – Safety & Savings

Fri, 21 Jan 2022 16:16:44 GMT

There’s a lot to think about when teens begin to drive. As local insurance agents and the parents of 7 children we know a little about the best way to help those teens get safely on the road. Mercury has given us a few tips to consider when teens get behind the wheel.

Establish a pre-start car routine that includes adjusting mirrors and driving position.
Practice. Practice. Practice.
Keep calm.
Talk to your teen as you drive.
Burgers, Instagram, texting and anything else that can distract you while driving can wait.

Go to drivesafe.mercuryinsurance.com to learn more.

If you are looking to keep your teen safe AND save money here are a few more tips. Teens can do their part by doing well in school and maintaining a 3.0 grade point average or better.

No tickets, no accidents
Drive a vehicle with a smaller engine
Enroll in a driving class
Bundle your policies to get a discount
Reduce the number of miles you drive
Increase your deductible to lower your premium; and
Install an anti-theft security system on your vehicle.

As your local Mercury agent, we can help you find out what it will cost to insure your teen. Give us a call and let General Insurance Services help you, and them, get started 949-661-2201

What Can We Do For You?

Sun, 05 Sep 2021 14:08:57 GMT

What Can We Do For You?

We Have 2 Main Objectives in Our Office:

1) To be of service to you.

2) To match your insurance needs to the best policy available at the best price available.

We are a multi-generational family owned Insurance agency. Barbara’s father, Herb Brown started the business in 1947 in the basement of Barbara’s childhood home wth the same two objectives. We would love the opportunity to show you why we are still in business nearly 75 years later.

Give us a call at 949) 661-2201 and you will always reach us directly if you call M-F between 8:30 A.M – 5:30 P.M. You can also see more of our story on our web site www.gen-ins.com

Vehicle Safety Tip

Fri, 26 Feb 2021 16:38:34 GMT

Vehicle Safety Tip

This is a simple one and will take less than 5 minutes to complete. When you are done you will have one less thing to worry about!

Want To Try It?

Get a penny, place it Head First into your tire several tread grooves towards the center.
If you see the top of Lincoln’s head, your tread is shallow and worn.
It is Time to replace your tires.
If part of Lincoln’s head is covered by the tread, you have depth remaining and can wait a few months to try the test again.

Easy! One less thing to worry about.

Now you have extra time to call us and see what we can do to save you money on your Auto Insurance.

We would love to talk to you, we have been in business almost 75 years and we are good at what we do. Callus at (949) 661-2201.

Moving & Packing

Wed, 17 Feb 2021 21:22:41 GMT

Moving & Packing

Just when you thought it was over with…..The worst human experience ever continues!

Moving is definitely a big job, but also, worth it! Hopefully you have the big things taken care of, but here is a list of the smaller things that will make a difference if you plan ahead and work on it a little at a time.

30 Days Out:

Start looking for and storing packing materials. This includes sturdy moving boxes of different sizes, packing tape, permanent markers and wrapping materials. If you want to save $$ watch for ads where neighbors will let you just pick up their “used” packing materials.

25 Days Out:

Start the sorting and purging! While going through this process consider if any items require special attention like a Piano. A lot of items can be donated to local shelters. Important: Set aside records needed for school enrollment in a safe place. Nightmares are made of lost documents.
It might be worth a few phone calls to current and upcoming schools to see exactly what is needed.

20 Days Out:

Notify important contacts of address change. Banks, Credit Card companies, Insurance providers, Magazines and Newspaper services. Don’t forget the Post Office! They offer a handy packet that will help you with forwarding orders. Leave your new address with a close neighbor in case stragglers are delivered that they can grab for you.

15 Days Out:

Make phone calls to change over utilities. Choose a date for both turning off where you are leaving and turning on where you are going. Cable, electricity, gas, water and trash.

7 Days Out:

Start emptying the refrigerator and freezer. Use what you can but at least 24 hours in advance of moving it, the refrigerator needs to be emptied so there is time to get rid of the moisture inside. If you don’t know what you are doing, check out www.wikihow.com/Defrost-a-Freezer for help.

We hope your move is a dream, not a nightmare.
If we can help with the Insurance, give us a call at (949) 661-2201 about 30 days ahead of time. We love to be of service - it’s what we do best.

Water Loss & Homeowners Insurance

Fri, 05 Feb 2021 18:14:05 GMT

Water Loss and Homeowners Insurance

Am I covered or not?

This can be a really upsetting issue if the time ever comes and you experience damage to your home from Water. There are a few words in the coverage description that can help you understand what is covered and what is not. First off, be patient! It’s tricky for everyone including your insurance adjuster.

Here are the first few words to pay attention to.

When a covered water loss is explained in your policy it typically includes the words sudden or unexpected water damage . If the water damage occurred gradually, slowly or over time it is likely NOT covered. Mold may be excluded from a standard policy but often times you can buy an extra rider specifically for Mold damage with a separate limit.

Example:

If water started unexpectedly pouring out of your washing machine while you weren’t home, it could cause your wooden floorboards to buckle. The water could leak through the floor and cause the walls or ceiling to be damaged if your washing machine is located on an upper floor. It is likely that this is a covered loss.

A Homeowners policy typically should cover any sudden or accidental water damage resulting from a plumbing failure such as a burst pipe or water heater. An adjuster will look for signs of deterioration such as rust, or damage from a previous leak. They are trying to determine if the loss is a result of old age or wear and tear. As a homeowner you need to care for maintenance that could have reasonably prevented the leak. If the insurance company determines that that the loss could have been prevented, likely coverage will be denied.

Example:

If you notice any amount of water in an unlikely place, and then wait to see if it becomes more obvious, later can turn into a weeks or months and then a bulge develops in your wall. Now you are prompted to turn in a claim, but the extra time likely will cause it to be denied by the Insurance Company.

To best protect the investment in your home use your senses; look, listen and smell

Use your eyes to detect any sagging spot on the ceiling or bulge on the wall. Be aware of any stains or discoloration. Listen if you suspect a leak. When your home is quiet you would likely hear a faint trickling sound or a dripping noise which could be a telltale sign of a leak. A musty smell in a room is a clue that something could be going on. Even if the smell is in an area without water pipes, moisture can leak through cracks in the homes foundation and cause damage. In many cases, a leak will be obvious and disruptive. Other times, it could last for days without even noticing. Be aware and respond is the best advice available.

If you discover or even suspect a leak in your home, act immediately to prevent further damage and to protect the benefits in your Homeowners policy.

Personal Property Inventory

Fri, 11 Dec 2020 18:14:09 GMT

Did You Need Something More On Your TO-DO List Before the End of the Year?

You might be really glad you did it. You need to make a complete inventory of your home, inside and out, but only if you want to replace everything you own if you were to experience an unfortunate loss. Without a list or record of some kind of your belonging, the details of your valuables may easily be forgotten, which can create more frustration in an already stressful time. That is why it is important to have a Personal Property Inventory or PPI created ahead of time.

Ideally a PPI is a complete list of all your household goods and personal belongings. It would include:

Each item
Where it is located
Full description and quantity
Purchase date
Place of purchase
Original cost
Estimate of current value including serial and model numbers
Receipts and/or current appraisals for the most valuable items

Grab your phone and at a minimum take a video while describing every room and its contents and what you know about it. Start outside with the landscaping, go into the garage where your bikes and toys are and from there into your home. Make it a family project and everyone can describe what they are familiar with.

Once you have completed the inventory, make a copy, store it with receipts, appraisals and printouts AWAY from your home. UPDATE every year, the week before Christmas and New Year’s. I can’t tell you how glad you will be that you did if you experience an unfortunate loss and you have your Personal Property Inventory to refer to. BONUS: With this inventory you can determine if you have adequate Insurance Coverage for your possessions before they disappear.

Why You Need a Renters Insurance Policy

Sun, 30 Aug 2020 15:35:18 GMT

Renting a house, condominium, or apartment continues to be a popular lifestyle option, but the importance of renters insurance hasn’t been embraced by many renters. Some landlords require that their renters carry a renters insurance policy. Whether required or not, renters should realize how much they can benefit from having an insurance policy that can help protect their valuables in a life-changing event like a fire or theft.

Please do not make the mistake of assuming that damage to your property in your rental home or apartment will be covered by your landlord's insurance policy. Usually, the owners of rental properties purchase only enough insurance to repair or replace their structures. It is up to you to insure your personal property.

Your landlord probably will bear no responsibility for replacing your property in the event of loss from fire or theft. However, Renters Insurance offers the same general personal property coverage as homeowners insurance and protects against losses from theft, fire, lightning, vandalism, windstorms and water damage from broken water pipes.

The “Loss of Use” coverage typically will help address some of the costs for you to temporarily live elsewhere, if your rental house becomes inhabitable. This benefit also usually includes the cost of meals, over and above your normal expenses.

Please don’t assume that you don't own enough valuables to make buying insurance coverage worthwhile. The cost of replacing clothing, furniture, computers, TVs and books can easily add up to thousands of dollars.

Replacement Cost vs. Actual Cash Value

An important consideration when buying a renters policy is whether to buy an actual cash value renters policy or a policy that covers the full cost of replacement.

With actual cash value coverage, insurers depreciate lost or damaged items based on their age. For example, if you owned a 10-year-old couch that was stolen, the actual cash value would be the cost of buying a used couch of comparable age and condition.

If your policy includes replacement cost coverage, your insurer would pay based on the cost of a new couch of the same quality without applying depreciation.

Renters Liability Coverage

One of the most important coverages included with a renters insurance policy is personal liability coverage. Just like homeowners insurance, renters policies cover your liability for injuries or property damage that you, your family members or your pets may cause to others.

For example, if somebody were at your house and slipped and was hurt, you could be held financially liable for their injuries. However, the liability section of a renters policy would pay for your legal damages, up to your policy limits if you are found to be negligent and caused the injury. The policy would also pay for your legal defense.

Be sure to choose a renters policy with liability limits that are high enough to protect your personal worth.

How Much Will Your Renters Policy Cost?

Renters insurance policies are relatively inexpensive, considering the broad protection they offer. The cost is low because renters don't need to buy insurance to protect their homes, only the contents. At General Insurance Services we can write your renters policy with great companies like Mercury or Travelers for a premium as low as $125 a year. In addition, most companies give a multi-policy discount on your auto insurance if you also have your renters insurance through them.

5 Tips to Prepare Your Boat for the Open Water

Sun, 30 Aug 2020 15:32:31 GMT

As a boat owner, it is your responsibility to keep yourself and your passengers safe. Take a look at these 5 tips to prepare your boat for the open water:

If you’ve had your boat in storage, the first thing you need to do is give it a thorough cleaning. That way you will have more visibility to check for damage to the exterior.
It is very important that you check your oil. You'll want to completely drain it and refuel versus just topping it off. This will make sure your recreational vehicle runs as smoothly as possible. You also need to check your brake fluid and antifreeze coolant.
Having corroded connections can be very dangerous. Inspect all your electrical connections and make sure they are clean, tight, and free of corrosion.
Check your life jackets to ensure they are in good condition. You also need to make sure there are enough jackets for every passenger on board.
It's the perfect time to check up on your boat insurance coverage. At General Insurance Services, we can make sure you have the proper coverage to protect yourself, and your passengers. Call us at 949-438-5207 or contact us to learn more about how we can keep you secure.

Want to learn more about protecting your boat? Click here to see our boat insurance coverage options.

5 Reasons Why You Should Have Homeowners Insurance

Sun, 30 Aug 2020 15:31:36 GMT

Home ownership is one of the largest investments you will make, so protecting this investment with quality homeowners insurance is a crucial part of being a responsible homeowner. However, while many Americans understand the importance of homeowners insurance, some don’t understand the specifics of what it covers if a burglary, natural disaster or other property damage occurs.

Dangers of Distracted Driving

Sun, 30 Aug 2020 15:29:01 GMT

Distracted driving is not a new phenomenon. Things that are capable of diverting a driver’s attention away from the road have been around even before there were actual cars on the road. However, these past few years saw the problem become even bigger due to the invention and subsequent mass adoption of mobile devices. This goes along with the popularity of the “on-the-go” lifestyle, where people try to cram as many activities as they can in their schedules - to the point of doing other activities, such as drinking or eating while driving.

In fact, most people tend to have a very limited understanding of what constitutes distracted driving these days. There are many activities that people don’t realize pose a very real risk to their safety just because it is not commonly known as a distraction while driving.

Some of the examples of things that can distract a driver include:

Using a smartphone – whether you are texting, calling, browsing the web, or just looking at pictures, it is still dangerous as long as you are holding and using a phone as opposed to holding the steering wheels and focusing on the road.

Fiddling with a GPS navigation system – most people tend to give this one a pass, because it is an activity meant to help one who is driving. But sometimes people tend to focus too much on the GPS device (especially ones that are handheld as opposed to mounted on the dashboard) that they lose track of the road itself.

Eating or drinking – popping a candy in your mouth from time to time is fine, but taking one or both of your hands away from the steering wheel for long periods of time just to fiddle with a burger or a coffee cup is dangerous.

Talking to Passengers – even if the driver is talking to the passenger without taking his eyes off the road, the mere act of talking and thinking about what they are talking about is distraction enough, and may negatively affect the driver’s reaction times.

Fiddling with the Radio – long drives to and from work can get lonely and boring, so listening to music is understandable but fiddling too much with the radio while driving can be dangerous.

Grooming – as mentioned above, the “on-the-go” lifestyle has resulted in many individuals doing their grooming, such as combing, putting on make up, adjusting clothes, etc., while driving. This is very disruptive and greatly lessens a driver’s ability to react to things on the road.

There are a number of reasons why distracted driving can (and usually will) result in accidents. Among these are:

Cognitive Distraction

A human’s brain can multitask, but it is only capable of processing a certain amount of information at any given time. Driving a vehicle, despite looking simple, is a complex task involving multiple actions that take up most of the brain’s processing capability. If you introduce any other tasks to the equation, you could end up reducing the brain’s efficiency at driving, while also affecting a person’s split-decision making ability

Visual Distraction

It is pretty much subject to common sense, and sounds so simple in writing, but it is surprising how so many drivers fail to even follow the simple rule that says you have to “look where you are going.” Many drivers’ eyes wander away far too frequently from where they should be looking, which is on the road or on the number of mirrors that help their spatial awareness while inside a car (such as the side mirrors.)

It does not matter even if your eyes are opened. If you are looking at something else instead of paying attention to where you are going, then you might as well drive with your eyes closed because it has the same risks involved.

According to studies, texting takes a driver’s attention away from the road for an average of 4.6 seconds, which is enough time for a fatal accident to occur. It is said that texting while driving at 55mph is equivalent to driving through an entire football field while the eyes are closed.

Driving by itself already requires a person’s visual, cognitive, and motor skills working closely at the same time so it is no surprise that simply adding a distraction to one of them is enough to ruin the whole system.

Setting a Good Example

Distractions while driving should be avoided no matter how confident you are in your driving skill or how harmless it may seem. Keep your eyes trained on the road at all times. Aside from ensuring your safety, avoiding distractions while you are driving is also important if you are riding with other people (especially teenagers) because you can set a good example. If they adopt your driving habits, you may actually end up saving their life.

5 Quick Tips to Save Money on Auto Insurance

Sun, 30 Aug 2020 14:48:55 GMT

No car owner in his right mind would ever say that auto insurance is not a strain on a person’s budget. Auto insurance does cost money that you could otherwise spend on groceries and utility bills, or just add to your savings. But regardless of its costs, it is one of the things that you cannot neglect. Not having auto insurance opens you up to the risk of shouldering repairs on your own. These repairs are so costly that they will make whatever amount you pay for auto insurance look like peanuts by comparison. So you need to suck it up and just pay your auto insurance religiously, just so you won’t have anything else to worry about with regard to your car.

However, that does not mean you have to blindly pay your premiums without even looking if there are ways to save money from time to time. If you are in the same situation and just want to save a little bit of money here and there, here are 5 quick tips that will help you save money on Auto Insurance:

Bundle Your Policies

Sometimes in an effort to get only the lowest insurance policy premiums, people end up getting their different types of insurance from different providers – they have their auto insurance from company A, while their homeowners insurance is from company B, and their renters insurance is from Company C, and so on.

While they do end up saving a few bucks here and there, it is possible that they are actually missing out on an even bigger savings on their insurance premium, by having insurance coverage that is all over the place. The truth is that you can sometimes get lower rates on your policies by having them bundled under one provider.

If you talk to a representative of an insurance agency, you may be able to convince them to give you much lower rates or discounts in exchange for getting all of your insurance from their company. You would be surprised at how many insurance companies are willing to give you lower rates just to get all of your business.

There is also the added benefit of making it easier to organize and manage all of your policies, since you only need to deal with one insurance company.

Get the Annual Payment Plan

Most auto insurance premiums are paid in either monthly installments, six month terms, or annually. Most people choose to pay monthly installments since they find the monthly rates more manageable than the huge chunk of one time payment a yearly premium demands. However, you could actually pay less when you choose the annual installment, because companies want to encourage people to take the annual installment plans, and as such are willing to give discounted rates. Ask your insurance company representative if there is a discount if you go for an annual installment plan, and chances are he will give you one.

Settling debts yearly also allows you to better manage your finances – you don’t have to worry about the insurance every month. You’ll have a more flexible budget if you just save the premium every month, until the premium is due.. This is much less stressful than trying to come up with the money every month.

Increase Your Deductibles

Your insurance premium will be reduced, probably drastically, if you increase your deductible, which is the amount that you have to pay out-of-pocket when it comes to damages to your vehicle before you are entitled to a claim. Think of it this way, you are not likely going to get in an accident very often and you can easily pay for minor damages and repairs. You only really need the insurance for really large repairs, so why not shoulder the small ones in exchange for a reduced premium?

Limit Your Mileage

Try to avoid using the car when unnecessary. For really short trips or commutes, you can easily walk, carpool, or take public transportation. This will drastically reduce your car’s mileage. If you report your lower mileage to your insurance agent, you may be able to get your insurance premium reduced. Additionally, driving less also means you consume less gas and therefore save money on that end as well.

Factor in Teenage Drivers

If you have a young son or daughter who is going to start taking his or her driving lessons soon, you might want to shop around and look at different insurance companies’ premiums when a teenage driver is involved. This is because insurance companies consider teens to be more likely to get into a collision than adults, and will therefore ask for a higher premium if your car is going to be used by a teenager. This is a very important factor to consider because the difference in premiums when a teenage driver is considered could be somewhere between a hundred dollars to a thousand or more.

If you do have a teenage driver, make sure you take the time to teach them how to drive properly or to at least check if they have learned enough from driving class. It’s not just about saving money, you could even help steer them away from accidents.

Overall, do not be content with just paying whatever premium the insurance company throws at you. Make sure follow the tips above, and coordinate closely with your insurance agent, as he or she can tell you of more ways to save on your auto insurance.

4 Things to Know About Insurance Before Renting a Car

Sun, 30 Aug 2020 14:43:42 GMT

When traveling to a new city, it's almost second nature to rent a car. Before you decide to rent your next one, consider these 4 things:

Loss Damage Waivers - This is an additional cost that will omit you from being liable for theft or damage to your rental car.
Stand-Alone Rental Car Coverage - Some major credit cards offer rental insurance benefits. These policies vary by company so be sure to look into the details. Click here to learn more.
Collision and Comprehensive Coverage - Collision insurance pays for damage to the rental car, regardless of fault.
Liability Coverage - Liability from your current auto insurance policy usually extends to rental vehicles. You should contact your agent to be sure and to learn the details of your policy

Looking to Improve the Return on Your Home?

Sun, 30 Aug 2020 14:41:45 GMT

Home renovation can make your home a nicer place to live, and it also can be a very wise investment. When you consider renovating your home, we recommend the following list of renovation projects that can give you the best return on your investment.

When people look for a house to buy, the areas that they place a lot of importance on tend to be the kitchen and the bath. These two areas are frequently the most expensive when it comes to home improvement projects. However, this need not be the case – if you play your cards right and know what you are doing, you can affordably make your home more attractive to potential buyers and a more enjoyable place to live in. Interior home renovation projects that address the kitchen and the bath tend to be the ones that will have the biggest positive effect on your home’s resale value. So if you are looking for a new interior home renovation project, you may want to focus on any of the following:

Your Yearly Disaster Preparation Check-Up

Sun, 30 Aug 2020 14:40:46 GMT

2016 was a very unfortunate year for the United States. In the span of that single year, the country went through 19 different flooding events, which is the most in recorded history. This misfortune continued all the way to 2017, when a series of wildfires besieged many residents and their homes in the West. The Atlantic and Gulf coasts struggling with category 4 and 5 hurricanes further exacerbated the problems.

This is why now, more than ever, people should be thinking long and hard about their disaster-preparedness. Not having a plan could lead to dire consequences if you find yourself in the middle of a disaster. It is a good idea to conduct yearly disaster preparedness check-ups. To help you get started, here are a few things that you should keep in mind:

Prepare and Check Emergency Kits

Each person should have his or her own emergency kit. This is a kit that contains basic emergency supplies and food that a person can carry, in case there is a need to evacuate and move to a safer place. The kit should include non-perishable food, potable water, first aid kits, a communication device, batteries, and some basic tools. If you already have an emergency kit, it is also important to regularly check the expiration dates of the items, just to ensure that they are not expired when needed.

Prepare and Update Your Emergency Plan

In the event of an emergency or a disaster, you need to have a plan. This means every person in the household should know what to do, what to bring, and where to go. Always plot out multiple escape routes and a meeting place in case you get separated. You also need to consider the fact that different members of the family may have trouble getting around on their own, such as the elderly and little kids. So make sure to assign them to more capable family members.

Learn How to Turn Off Utilities

You need to teach family members where the utilities are and how to shut them off. In the event of an emergency, you may need to turn off the gas mains and the electricity in order to avoid fires or explosions. There are also times when the water main needs to be turned off in order to avoid flooding the home.

Observe Home Safety All Year Round

Home safety should be practiced all throughout the year and not just during emergencies. Install alarms, smoke detectors, and locks at your home. Regularly check wires and the gas mains for any leaks or damage, and replace smoke alarm batteries every six months. You also need to ensure that flammable objects and chemicals are kept in safe places far away from potential sources of sparks.

Get Insurance

Choosing your insurance policy should be the first step in getting ready for a natural disaster. Click this link for information on determining if you have enough insurance http://www.mercuryinsurance.com/tips/home-insurance-information.html . We recommend that you review your insurance at each renewal to make sure that you have the proper coverages.

Catalog Your Property

Lastly, it is important to know that recovering from a disaster can be a chaotic endeavor. You can make the process so much easier by cataloging your property and updating it regularly. Not only will this help you put things back to the way they were, the photos and lists of your property will also make the claim process easier for both you and your insurance adjuster. Mashable, a technology blog, makes the process easier by providing a list of eight inventory apps http://mashable.com/2013/03/24/home-inventory-apps/# .

Preparing for disaster is an important investment in protecting your property and ensuring your family’s safety and peace of mind.

Maintain a Good Driving Record

Sun, 30 Aug 2020 14:34:59 GMT

Finally, you should make an effort to be careful with your driving. Insurance companies will check your driving history and use it when determining your premium. And they are not just looking at the motorcycle driving history, they will also check your car driving history as well since it is a good representation of how you treat your bike. This will end up a win-win situation for you as well. If you maintain good driving habits, chances are you will never end up collecting on your insurance, which means you stay safe and healthy.

Insurance for Your Motorcycle

Sun, 30 Aug 2020 14:34:17 GMT

Motorcycle owners know how important it is to practice defensive driving and observe safety while out on the road. But this does not completely remove the possibility of an accident from happening, so motorcycle owners still need to consider their options in case an accident does occur. Motorcycle insurance coverage is thus a must, and there are no exceptions. This is particularly true for people who live in states that require bikers to have liability motorcycle insurance. Some states go one step further and even require personal injury protection.

Minimizing the Cost of Motorcycle Insurance

The price of motorcycle insurance is sometimes higher than other types of insurance, because mototcycles are considered higher risk compared to other vehicles. The principle is simple enough: drivers of a car are protected by a steel cage, a seat belt, and an airbag so they are more likely to survive a head on collision compared to a motorcycle driver. The extent of injuries tend to be worse in a motorcycle accident.

This is backed by statistics – the National Highway Safety Administration reveals that motorcyclists have a higher fatality rate compared to passengers of a car, and that the number of motorcyclists being injured has been rising since 2007.

So if you want to lower the cost of your motorcycle insurance, you should consider the following tips:

Take Advantage of Seasonal Policies

There are motorcycle owners who don’t use their bikes all year-round. If you fall in this category, you can save a huge amount by only insuring your motorcycle during the times of the year when it is in use. Check with your insurer if they offer seasonal policies.

Take a Motorcycle Safety Course

This is not meant to insult your driving ability. Even if you already know your bike and can ride it even with your eyes closed, it is still a good idea to take a motorcycle safety course. This is because some insurance companies appreciate it when the bike owners make an effort to ensure their own safety, and as such are willing to give discounts or lower rates to motorcycle owners who are regularly brushing up on their driving and safety skills.

Increase Your Deductibles

Deductibles are the amount that you have to pay before the coverage kicks in. Insurance companies will provide lower premiums if you have higher deductibles. Since you are not planning on getting into an accident, the deductibles are usually safe to increase. Make sure that you can actually absorb the amount of deductible you choose, in case you get into the worst-case scenario.

Get Multiple Vehicle Discounts

If you have more than one bike or you live with someone who owns a motorcycle as well, you should talk to your insurance agent and see if they offer a multiple vehicle discount. You can then split the premium with your housemate. You can also do the alternative, which is to get your motorcycle and home insurance from the same company. They will be more than willing to give you a discount for the added business.

How to Prepare Your Boat for Spring

Sun, 30 Aug 2020 14:24:16 GMT

For boat owners, there will always be a time in the year where the boat needs to be taken out of storage and sent back onto the water. This is usually during spring. However, there is the matter of proper maintenance. If you just store your boat and send it back to the waters without any preparation, you’re likely to reduce its lifespan and you’ll have a rickety, dangerous boat instead of a safe voyage.

If you want to avoid the hassle (and potential life-threatening situation), here are some tips on how to prepare your boat for spring.

Get Ready for the Upcoming Season

It’s not just the boat that needs preparation for spring. You might also want to see if you are ready for the season ahead. For starters, you might want to sign up for a boat safety course. This is the perfect time to obtain a boating certificate if you don’t have one yet.

Next, you should take the time to sit down and brush up on your familiarity with the boat, especially if you haven’t used it for a long time. The best way to start is by bringing out the boat’s owner’s manual and consulting it for the manufacturer’s recommended maintenance procedures. Furthermore, you should check the boat itself and refamiliarize yourself with its components and any features it may have.

Get a Technician or Mechanic to Perform a Maintenance or Tune-Up

It is always a smart idea to leave things to the professionals. In the case of preparing your boat for spring, you can opt to hire a technician or mechanic to take a look at your boat, just to see if there are tune-ups or repairs needed. Make sure you hire one who is certified by the American Boat and Yacht Council (ABYC) or a similar accreditation board. There are a number of things that need to be considered before you leave the dock:

Inspection of all the safety equipment on board, which includes flares, personal flotation devices, fire extinguishers, first aid kits, etc.

Checking if all the important parts of the boat are functioning, such as the lights and the motor.

Checking for any issues with the electricals, and whether the battery is functioning, charged, and properly secured.

Ensuring that there’s no excess water in the bilge.

Checking of the fuel levels, and inspection of the fuel tank for any leaks or dents.

Practice Getting In and Out of the Water Safely

It may sound simple and unnecessary, but many lives could have been saved if the boat owner only spent their time practicing getting in and out of the water safely. This includes the proper observation of launching, checking the engine temperature and mentally preparing on what to do in case it is overheating, and training oneself and the boat passengers on safe boating practices. Make sure you go over these before the boat even touches the water.

Always Remember That Every Boat is Unique

To get your boat water-ready in time for spring, you also need to remember that each boat is unique and each one will have different needs and requirements, whether due to its size, manufacturer, model, etc. Make sure you have access to all pertinent information and keep it memorized in case the information becomes necessary during the trip. Once you have everything prepared, it may finally be time to enjoy a fun and safe boating season.

After Wildfires, Insurers Could Exit California

Sun, 30 Aug 2020 14:20:05 GMT

Northern California experienced a lot of wildfires in 2017. As a result, the California Department of Insurance stated that insurers might be discouraged from issuing new policies to the affected areas.

The total amount of insured losses equated to about $3.3 billion. This is a huge number that includes claims for insured losses on businesses, residences, and vehicles.

Dave Jones, the state insurance commissioner, told reporters that those behind the $3.3 billion worth of insurance losses claims are just ordinary people. According to him, tens of thousands of people lost a lot due to the deadliest and most costly wildfires in the state.

He also said that because of the huge amount of devastation, insurers could reconsider providing insurance to areas once considered at low risk of wildfires. Jones explained that insurers could change their models of risk when it comes to these costly wildfires. It may mean that insurers may sometimes write less insurance in places usually viewed as locations that have lower risk.

Jones stated that Sonoma County’s insured losses for residential properties topped more than $2.6 billion. He also hinted that this number would probably increase after adjusters processed an increasing number of claims.

In Napa Country, losses of residential properties exceeded $266 million. Commercial losses, on the other hand, were more than $3.2 million. Mendocino County experienced residential losses of over $115 million. Yuba and Lake Counties experienced more than $48.5 million in residential losses each.

The numbers stated in these claims are based on actual filed claims with various insurance companies. These are not estimates, but rather actual numbers claimed in insured losses. Reports on CNBC claimed that the wildfires spread to at least eight counties in Northern California.

There was a total of $3.1 billion in residential insured losses causes by the wildfires. There were approximately $137 million in commercial losses. Agriculture or farm losses were over $4.5 million, while automotive losses exceed $28 million. Most farm or agricultural losses were found in Napa and Sonoma County.

The fires devastated 728 businesses, 14,700 residences, and 3,600 vehicles. The vehicles included commercial vehicles, watercraft, farm equipment, and private cars. At least 43 people were found dead due to the wildfire. According to CNBC, these deaths included a firefighter

Aggressive Dogs and Insurance Coverage

Sun, 30 Aug 2020 13:58:59 GMT

Dogs are just like people. Some are aggressive. Some are not. According to the CDC, Centers for Disease Control and Prevention, approximately 4.5 million bites from dogs happen in the United States annually. The victims are mostly young children. However, bites are not the only cause of serious injuries. Dogs, especially the big ones, have the ability to knock down cyclists and pedestrians. This can result in severe medical problems too.

You might not realize this but these types of injuries have a sizable impact on your homeowners insurance. In 2016, claims that were dog-related accounted for insurance payments of over $600 million, according to The Insurance Information Institute.

Since this is a huge number, you won’t need to wonder why insurance companies want to be aware of the presence of a dog in your home. Some companies are not willing to provide an insurance to households who have an aggressive dog breed. Whether you dog has bitten someone or hasn’t isn’t important. As long as you have a dog whose breed has a reputation for having aggressive behavior, your insurance will be denied.

Although this happens sometimes, you should never omit the information that you have a dog in your household. If you hide the fact from your insurance company and your dog causes a specific injury, your insurance coverage could automatically be invalidated. Your are then left with thousands of dollars to pay.

What If A Bite Happens?

Now, you have taken our advice and told the insurance company about your dog. But what if your dog injures someone? Do you have to tell your insurance company about it?

It actually depends. If the incident is minor, you might want to pay the bills out of pocket. This is to avoid the process of filing a claim with your insurance company and preventing a probable increase in your premium. Sometimes, insurance companies won’t allow you to renew your policy after a dog biting claim, or your dog may be excluded from future coverage on your policy.

However, not reporting an incident might result in a policy violation. If your dog has bitten someone previously (an incident you didn’t report), and it bites another person, the insurance company may have the right to deny you coverage for the latest incident. The best advice is to check with your independent insurance agent any time you have an incident.

Sometimes injuries are not immediately apparent. Complications can arise later, resulting in a lawsuit from the victim. If you wait too long to report the incident, it might be too late to receive the full protection benefits of your policy, which include medical bills, legal fees, and more.

A Mistake Worth Tens Of Thousands Of Dollars?

How would a surprising $33,000 expense impact your life? That is the average claim payment for dog-related injuries. And that is with an insurance company working on your behalf. Without insurance, you could end up shelling out more than that.

So what’s the best thing to do? Go to an independent agent and discuss your particular circumstances. If you decide not to file a claim, which is your right, you will still get professional’s guidance to help you assess your risks.

Should You Buy The Insurance When Renting A Car?

Sun, 30 Aug 2020 13:54:33 GMT

You have prepared everything you need for your vacation. You’ve booked your plane tickets and made arrangements for a rental car. However, once you land and get to the rental car counter, the company representative asks if you want to get their insurance for the car you’re renting. You don’t want to run the risk of having to pay big expenses if something happens to the rental car. What should you do in this case?

Understand The Offer

The car rental companies usually offer to cover the car for collision and theft. This coverage could cost as much as $19 a day. Liability insurance could also be offered at a rate of $7 to $14 per day. And medical insurance that provides coverage for ambulance and doctor costs might also be offered.

However, the coverage offered by the rental company doesn’t actually include everything. If you clearly are negligent, like leaving the keys in the car with the doors unlocked, you won’t have coverage if the rental car is stolen.

Although the coverage they are offering you is referred to as insurance, what they are actually offering is a loss damage waiver. This waiver releases you from the financial responsibility in the event your rental car gets damaged or stolen while you are renting it.

Understand The Coverage You Already Have

Do you own a car already? If so, you surely have a personal auto insurance policy that provides liability coverage. Plus, if you already have comprehensive and collision coverage on your own car, that coverage will extend to your rental car as well, and it wouldn’t make sense to pay extra for coverage that you already have.

You should consider that the comprehensive and collision coverage offered by the rental car company may have no deductible, or a deductible that is lower than you have on your own policy. If you do not have comprehensive and collision insurance, you should definitely get the coverage offered by the rental car company.

Coverage Provided By Your Credit Card Company

Almost all credit card providers provide collision-deductible waivers if you pay for your rental car with their credit card. This means the credit card company will pay for any deductible that you might be responsible for. Check with your credit card company to make sure this coverage is included.

Understand the Details

If you’re actually buying the rental car company&rsqu

5 Reasons For Choosing Mercury Insurance

Sun, 30 Aug 2020 13:35:25 GMT

Getting an insurance policy that’s right for your needs can be frustrating. There are a lot of choices with a variety of options and limits for coverage. Mercury Insurance will make the insurance shopping process easier. They provide high-quality coverage at affordable rates. You will also have your own insurance agent, ensuring that you have the knowledge and help that you need to get the best policy to cover you and your family.

Below are five reasons why Mercury should be the insurance of your choice.

Vehicle Repairs Made Easy and Hassle-Free

Mercury provides you the option to have your vehicle repaired at their Authorized Repair Facilities. As a bonus, the repairs done at their authorized facilities are “guaranteed” for as long as you own your vehicle.

Mercury customers consistently give them great reviews. Mercury Insurance makes the complicated process of having your vehicle repaired easier. They do the heavy lifting for you.

Perfect Combination

Have you tried having one type of insurance policy with one company and another type with yet another company?. This can be very confusing. Mercury Insurance makes it easier and less expensive for you by allowing you to bundle policies. They give you up to a 15% discount if you bundle both your auto and homeowners insurance policies together.

Commitment to Providing Low-Cost Policies

Insurance fraud costs are estimated to be more than 100 billion dollars a year. In addition to hurting the insurance companies, this drives premium costs upwards. Mercury Insurance is committed to keeping insurance costs low. They have been a pioneer for application of fraud prevention measures. In 1978 they were one of the first companies to form Special Fraud investigation Units. These units work closely with law enforcement to stop hundreds of scammers and fraud rings every year, helping bring down the costs of premiums as phony claims payouts are prevented. Mercury Insurance has a mission to do everything possible to keep its rates low for their policyholders.

Award-Winning Services

You are ensured of partnering up with a financially-stable company once you come onboard with Mercury Insurance. The company has been named by Forbes as one of the most trustworthy companies in America. Plus, they consistently get an “A” rating from A.M. Best. In addition, a recent survey by Insure.com of auto insurance customers ranked Mercury Insurance as one of the five best auto insurers in the nation.

Agents Committed to Excellence

Mercury works with a wide network of independent local agents that are dedicated to providing you and your family the products and services that best meet your insurance needs. Your agent will provide you personalized service and make sure you receive all of the discounts that you are entitled to.

In Conclusion

Mercury has been recognized by Forbes as one of the best mid-sized employers in America, and they are proud of the positive ways their company culture reflects onto their interactions with their customers.

These are just some of the many reasons why Mercury Insurance is the best choice to protect your family and property. Call General Insurance Services in San Clemente, CA for a fast, no-obligation quote or visit our website at www.gen-ins.com to see how much you can save with Mercury Insurance.

Generator Safety

Sun, 30 Aug 2020 05:34:21 GMT

Natural disasters such as storms can result in long periods of power loss. Portable generators can be used to provide temporary power. However, there are potentially numerous risk associated with their use. Improper use of generators can result in illness, injury or even death.

For the safety of you and those in your home, it is extremely important that you take precautions when utilizing portable generators. We recommended that you follow the guidelines below in order to safely utilize generators:

Always read and follow the manufacturer’s manuals before actually utilizing your generator.
Do not leave your generator unattended. Do not leave it running when you are away from the generator’s location at your home or business.
Regularly check your generator during use.
Always be alert when touching the generator as many parts are hot and can cause burns.

Ensure the Generator is Properly Connected To Prevent Electrical Hazards

Electricity provided by your generator is prone to similar hazards as that of regularly-supplied electricity. Additional risks are imposed on you especially if the generator bypasses safety devices (e.g. circuit breakers) built into the electrical systems. It is best to get the help of an electrical contractor (or device manufacturer) to correctly install your generator.

Always heed the instructions of the manufacturer when it comes to correctly grounding the generator. This is to prevent electrical shock.
Before you actually touch the generator, ensure you have dry hands and you’re not standing on a wet surrounding.
Never use a wall outlet to plug in your generator.
When you want to plug your appliances into your generator, you should use cords specified by the manufacturer. Also, you can utilize extension cords that are three-pronged and have the correct amperage rating.
Always remember that generators are extremely hot while in use and remain at high temperatures for a long period of time after being shut down, and should be considered fire hazards.

Generators Should Not Be Operated Indoors

Generators should not be used indoors, in basements, in garages, or even near windows, doors or vents. Your generator should be kept at least 25 feet away from your place of residence or business. It is best to check the recommendation of the manufacturer and your local ordinances as well. Take into account your neighbors windows, doors and vents as well. This is due to the fact that a generator’s exhaust can build up carbon monoxide. This odorless, colorless toxic gas can lead to serious illnesses (or death).

There should be a clear space of about 4 feet on every side of the generator and above it as well. This is to ensure proper ventilation.

Carbon monoxide (CO) alarms with backup batteries should be installed within your house or place of business. Regularly test these alarms and reinstall batteries according to the manufacturer’s recommendations.

Safely Refuel Your Generator

You must always be cautious when you refuel your generator to avoid starting a fire or incurring burns. Below are some safety tips to follow when refueling your generator.

Turn your generator off first and wait for it to completely cool off before you refuel. Fuels used for generators can actually ignite if they are poured on hot parts such as engines.
Do not refuel while your generator is operating.
Generator fuels should be stored and transported within approved containers.
Generator fuels must not be kept near your house. They should be kept in well-ventilated locations separate from your house or business, or in storage cabinets approved for flammable liquids.
Never smoke when you are refueling the generator or are around the fuel containers.

Don't Drink and Drive!

Sun, 30 Aug 2020 05:26:33 GMT

Which statement is true in the State of California?

A. A DUI's effect on Auto Insurance premium could be as high as a 250% increase.

B. Over 1.5 million drivers were arrested for driving under the influence of alcohol or narcotics last year.

C. A DUI remains on your Driving Record for 10 years from date of arrest and on your Criminal Record permanently.

Well, the bad news is ALL 3 ARE CORRECT. Frankly, there is no GOOD NEWS when it comes to a DUI. Along with the impact on your driving record, the emotional cost and the physical cost of a DUI or DWI, driving under the influence could wind up costing as much as $20,000 additionally in legal fees and fines according to the Insurance publication, CoverHound. Auto insurance premiums are calculated based on what insurers calculate individual risk to be, and a DUI is among the costliest factors that could determine individual risk.

Nationally, the first year after getting a DUI, car insurance premium can go up as high as 94.13%. After the second and third year, granted no additional moving violations, premiums could lower slightly. On the third year after a DUI, the average premium comes in at a 63.75% increase. California is among the states with the highest premium rate increases at more than double the national figure at186%.

We all know someone whom this hazard has affected. Driving under the influence is undoubtedly one of the most dangerous decisions a person could make, threatening the wellbeing of not only the driver, but every other driver and passenger on the road.

The bottom line, DON’T DRIVE UNDER THE INFLUENCE, AT ALL, EVER.

Our companies implement reviews of their clients’ limits for homeowners coverage annually. These limits are based on estimates of the replacement costs within neighborhoods. The outcome of the calculations may lead to adjustments of the policy limits. The estimates are usually related to each area’s general factors and are provided by various appraisal agencies.

This is only one part of the entire systematic process. We also suggest that you get an agent to check your insurance for you at least annually. This will allow you to choose carefully the proper coverages you will need. Nobody wants to pay a higher premium than is necessary. However, the costs of construction continue to rise significantly each year. As a homeowner, it is important for you to ensure that possible future losses are satisfactorily covered by your insurance policy.

This is true, especially, if you have made new improvements to your house but have not yet included these within your coverage. And even if improvements have not been made, we still suggest that you review your insurance coverage in order to make sure that it is enough to cover the costs you have to incur when rebuilding your home. Also, remember that rebuilding costs can be different in different areas and neighborhoods.

Things to Consider

It’s always best to review your coverage and ensure that your assets and your family’s future are protected. The following is a list of some of the things you should consider as you review your policy with your agent.

When did you last evaluate the cost to rebuild your home? Has it been a year or more? Then, you seriously need to talk to an agent with regards to your coverage.
Does your policy include extended replacement coverage? Our companies offer up to 150% of the dwelling limits on your policy. When a disaster happens and you lack extended coverage, your insurance policy might not be adequate to cover the costs you incur for rebuilding your home or restoring its contents.
Did you make improvements to your house? Are these improvements already covered? If not, you should make sure the improvements have adequate coverage for replacement when necessary.
Make sure you get an appraisal from a licensed professional. This will help you make an informed decision as to the right amount of coverage necessary in case something happens. Remind the appraiser to calculate the cost to rebuild using the same quality features at today’s costs.
Make sure you have a record of your house, its contents, and its unique features. It is best to keep photos and even videos of your house and its contents. This will make the claim process go faster.
Make sure you have read your coverage documents and your entire policy carefully. You can talk to your agent if you have any questions.

In Conclusion

You, as the homeowner, know more about your house than anybody else. That’s why you have to decide what’s best for you, your property, and your family. As agents, we are happy to help with whatever you need especially when it comes to evaluating your policy, its coverages, and its limits.

Why it Pays to be a Mercury Customer

Sun, 30 Aug 2020 05:21:45 GMT

Literally! Seriously! Money in your pocket and time saved too. I love dealing with an insurance company that likes what I like and is aware of our community. Mercury Insurance is a sponsor of our brand new FivePoint Amphitheatre in Irvine. What that means for me and for you, if you are a Mercury customer is:

VIP PARKING UPGRADE: Simply show your Mercury Insurance ID card to the parking attendant to get your instant upgrade. Space is limited however, so get there early.
FAST LANE ACCESS: Mercury customers can skate past the crowds and skip the long entrance lines. Look for the “MERCURY FAST LANE” entrance and you and three friends are in!
BONUS: PRE-SALE OPPORTUNITIES: Mercury customers have early access to concert tickets! Mercury will email you opportunities if you let them know you are interested.

Not a Mercury customer? We can help you with that! Call us for a quote today and let us show you how much you can save and the value we can add to your Insurance dollars!

I’ve Loaded The U-Haul And I Am Ready To Move. Is It Time To Cancel My Homeowners Insurance?

Sun, 30 Aug 2020 05:20:09 GMT

Great question and one that I wish a friend of mine had asked before the U-haul they were driving across state was stolen from the parking lot where they stayed overnight recently. Yup! The whole darn truck was stolen from the parking lot while they were sleeping. Yup! They cancelled their homeowners insurance before they left on their cross-country move. Yup! No coverage for the contents of the U-haul. Basically their whole life was in that truck including clothes, appliances, furniture and computers for a family with 4 children.

Gracious friends have started a “Go-Fund-Me” in their behalf, but it would have been a lot better if they had left their Homeowners policy in place a few more days until they were able to get settled in their new home and bought new coverage. “Coverage C” would have replaced all Personal Property up to the stated limit by submitting an inventory of the lost items. The policy specifically states “We cover personal property owned or used by any insured while it is anywhere in the world”.

By the way, spend the extra $$ and buy the insurance when you rent the moving truck. Most likely your Auto Policy will not cover a stolen U-haul that has more than 4 wheels or is larger and of greater value than any auto listed on your auto policy. Your Insurance agent has value, ask the questions first, we are happy to be of service.

“I’ve paid my insurance premium for the past 10 years and I have never made a claim!”

Sun, 30 Aug 2020 05:19:20 GMT

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That is exactly what I want to hear when a client is talking to me about Life Insurance. Let’s talk about life insurance NOW, not later. It’s on my mind right now because my sister-in-law passed away last week.

It’s really a lot simpler than you think. Consider the following and then give me a call or log on to our website at www.gen-ins.com and click on the life insurance tab and get your own quote within minutes.

TERM life insurance is usually less expensive than you think.
A TERM life insurance quote costs you nothing.
TERM life insurance lasts for a set amount of time. You choose that amount of time at the beginning of coverage.
I can get you a TERM quote either for what you think your budget can handle or the amount of coverage you think your family will need.
The #1 reason people delay purchasing coverage is because they think their budget can't handle it. Considre the impact to your budget if a breadwinner passes away without coverage.
You can provide financial security for your children and spouse by completing a short application, cooperating with a short physical and having an amount you are comfortable with automatically withdrawn from your checking account.
The most common misconception I hear is someone thinking they have sufficient life insurance through their employer. What if you become sick, can no longer work and no longer have access to that group life insurance policy provided by your previous employer?

I can have you a quote the same day.

Let me do that for you, then you decide if it is too expensive for your budget.

Wildfires

Sun, 30 Aug 2020 05:16:28 GMT

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It’s here! It’s all around us. Even though Orange County as of this writing is not facing a specific WILDFIRE, there are enough in Los Angeles and Ventura County to keep our attention and also to cause a rate increase in our Homeowners Premium! So what can we do to be prepared if the Wildfires rage into Orange County? Here is a partial list of things you can do now to be prepared for when not if it happens:

Have a “GO BAG” packed. This should include water, snacks, medications, copies of driver’s licenses, insurance information and the deed to your home, good sturdy walking shoes, clean socks and a spare hat to keep the sun off your face. Not a bad idea to include copies of your social security cards, passports and medical records as well. Contact information of family and close friends. What if your phone battery died, none of us know phone numbers anymore! Add a flashlight and new batteries. Do you have a baby at home? Diapers and formula could be an important addition.
Do you have a video of the inside of your house? If a fire came to visit you personally it would be very helpful to have a video to review in order to list all your losses. Take a minute, or 10 minutes and walk around your house with another person opening drawers and cabinets while you record the contents of your home.
A Plan for your pets. If you are listening to the news reports it seems that the #1 reason people will not leave their home when asked to evacuate is that pets are not allowed inside of the evacuation shelters. Do you have a plan of where you can drop your pets off so they are safe? Ask a friend now, easier than later when you have a lot of decisions that need to be made. Put a copy of your pet’s vaccinations and medical history in your “Go-Bag” along with a few days of pet food.
A Plan for you! Make an action list which means, what do you need to do before you leave your home? Gather valuables, put pets and “go-bag” in your car. Turn off lights, turn off utilities and lock your house! Leave a notice posted for emergency personnel of how to contact you.

Keeping it simple this week. GET PREPARED AND BE PREPARED!

Sun, 30 Aug 2020 05:14:27 GMT

Keep a full tank of gas in your car
Gather important documents into one location.
List all necessary medications so they are not forgotten
Make written notes of valuables and who is responsible to quickly gather.
Make arrangements with friends for pets, just in case.
Walk around inside and outside of your house and video for your own records.
Pack your “Go Bag” and leave by your door.
Most important: LEAVE WHEN ASKED TO DO SO.

Stay Safe

Drivers need to watch out for these fall road hazards:

Sun, 30 Aug 2020 05:13:20 GMT

Whether it’s wildlife or children darting across the road unexpectedly or the onslaught of cold and rainy weather, the fall season presents extraordinarily high road hazards for drivers. Here are some tips to keep in mind as we enter the fall and winter months:

Fall road hazards from wildlife crossing the road: Sep – Nov are high animal collision months, presenting greater road hazards for drivers. In fact, you’re 3.5 times more likely to hit an animal — especially a deer — in November than in any other month, cautions the Insurance Institute for Highway Safety.

Some 36 percent of auto claims resulting from a wildlife collision occur during autumn, primarily due to animal migration patterns. More specifically, deer are likely to be mating in November; that’s why you see more of them. Some 10,000 drivers strike wild animals every year; 89 percent of them occur on two-land rural roads.

Because wildlife is most active at dawn and dusk, drivers should avoid the roads during these times if possible, keeping to broad daylight hours. Stay in the middle lane when possible, because you’ll have more time to spot animals as they attempt to cross.

Hitting a large animal such as deer can be just as dangerous as colliding with another vehicle. If an animal collision occurs, pull over and call local law enforcement, who will explain what you need to do next. Some states have special requirements regarding animal collisions. Don’t forget to take photos to provide your claims adjuster.

Kids back to school: Often kids are as bad as animals for not checking the road before they try to cross, creating additional road hazards for drivers. Avoid school zones and be hyper-vigilant just before and after school hours. Remember that it’s illegal to pass a bus that’s loading or unloading kids on an undivided road.

And don’t forget about student drivers. According to the National Safety Council, teen crashes spike in September when kids head back to school, particularly just before and after school hours.

Shorter days and worsening weather: Dusk, dawn and darkness happen more often during the fall and winter, making it harder for drivers to see. While just 25 percent of our driving is at night, 50 percent of traffic deaths occur then, says the National Safety Council. They also say that often a 50-year-old driver needs twice as much light to see as well as a 30-year-old.

Rainy days also impact visibility, as does a fogged windshield on a cold, wet day. To combat these road hazards, you are better not to start your trip until the visibility is clear in the windshield, windows and mirrors. Also, slow down on rain-slick roads, particularly if it’s the first rain in awhile.

Probably because it’s the start of the winter season, but 34 percent of skidding and snow claims happen between October and December. Remember to ensure your vehicles have plenty of tread left on their tires, and that tires are properly inflated. Check the battery, windshield wipers, wiper fluid and anti-freeze levels, and keep gas tanks at least half full.

Holiday shopping: As the holidays approach, shoppers converge on malls and shops, short on time and patience. Reports indicate that 25 percent of parking lot claims happen between October – December. They recommend:

Park further away from cars. Tight spaces can increase the chances of being hit by a car door or another vehicle.
Park in well-lit areas and be aware of who is nearby when walking to a vehicle or pulling out of a parking space.
Don’t park near cart returns . It reduces the chances of an errant cart drifting into your vehicle.

Auto theft: ‘Tis the season for auto thefts as well, as autumn turns into winter. It goes without saying, but we’ll repeat it anyway: Don’t leave doors unlocked. Don’t leave packages, electronics or briefcases visible on the seats. In fact, don’t leave anything of value in the car – even in the trunk.

Keep safe this season!

It could happen today, are you ready?

Sun, 30 Aug 2020 05:10:24 GMT

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Not much warning comes our way before a damaging earthquake, but the dawn we woke up to this morning, could look entirely different tomorrow morning. Your typical residential Homeowners policy does not cover earthquake damage. Government help (if available) is limited and is not even close to enough to make you financially whole. You may qualify for a loan, but you would need to wait for it and it must be paid back.

We strongly suggest that you protect your way of life and your family home with an Earthquake insurance policy that is flexible and affordable. You can choose the deductible which helps make the premium reasonable. Call us, let us give you a quote, then you can make an informed decision.

We are local, just off the 5 freeway at Camino de Estrella. Located just across the street from Trader Joes for the past 28 years, we have been in business since 1947, when my father started General Insurance Services 949.661.2201. We are here to help.

It’s not over yet! But you meet the nicest people in the cold/flu remedy aisles!

Sun, 30 Aug 2020 05:08:38 GMT

What does the word Quadrivalent mean? To you and me it means the flu vaccine this year has a better chance than ever of getting it right. The Flu season typically runs from October to May, and this year the Center for Disease Control and Prevention has sent out over 116 million doses. This is where that word “Quadrivalent” comes in. In the past, vaccines have only handled two or three strains of the virus, making its effectiveness iffy. But this year they have pin-pointed 4 strains making the flu shot much more effective. The advice of the CDC? Get one! Even now in January if you can still find them.

If you are not interested in the shot, the next best thing to do is to avoid the flu. Washing your hands is the most effective step you can take to avoid the flu. Hopefully others will do the same. Next best advice is to boost your immune system by following the advice of Harvard Health Publishing in the following ways: Don’t smoke, eat a lot of fruits and veggies, exercise regularly, maintain a healthy weight, drink alcohol in moderation, get adequate sleep, minimize stress and cook meats thoroughly.

It is up to you how you want to avoid it, but if you don’t you can expect the flu to run its course in 7-10 days. Wish us all luck, nothing fun about the flu.

Are You Guilty?

Sun, 30 Aug 2020 05:02:04 GMT

Take a minute and ask yourself this series of “have you ever” questions and then consider if there are any changes you want to make to your routine.

HAVE YOU EVER:

arrived at a routine destination without paying attention to how you got there?
reached for your phone while driving, even just to check the time?
looked down at the controls to change stations or temperature?
forgotten to make a turn because you were deeply involved in a conversation?
checked the back seat to see if your child was sleeping?
reached awkwardly for something in the back seat?
looked in the mirror to check your lipstick while driving?

The stories we hear every day in our office of how an accident happened are disturbing and awakening! Do you have any idea how easily an accident can happen with just a simple distraction! This list could go on forever. Just remember, SMALL things can easily cause a HUGE disaster. woman reaching back for purse while driving

Look at these statistics from www.cdc.gov/motorvehiclesafety/distracted_driving to prove why distracted driving is so dangerous:

Research shows that talking on a cell phone (even hands free) uses 39% of the brain energy normally devoted to safe driving.
16% of all distracted driving crashes involve drivers under age twenty. 800,000 vehicles are being driven during daylight hours by someone using a hand-held cell phone or driving distracted.
Using a cell phone (hand-held or hands-free) while driving delays a driver’s reactions the same as having a blood alcohol concentration at the legal limit of .08%.

So, Are you Guilty?

Who is your best friend?

Sun, 30 Aug 2020 04:58:42 GMT

The trend to humanize our pets is growing and our pets have become like children to us. This humanization is especially prevalent with millennials and is leading to a big jump in the availability of pet insurance. That is the finding of a recently released report from Researchandmarkets.com titled Pet Insurance Market Analysis & Projections. The conclusion maintains that in the next 5 years pet insurance is going to see a huge increase as it is designed to meet the needs of all types of pets who have found a place in our homes and in our hearts.

Coverage can extend to the reimbursement for accidents and illness, including hereditary conditions and behavioral challenges. All these areas of concern can create unexpected expenses which can leave us with heartbreaking choices to make.

Evidently millennials are willing to spend more on their pets so that they can have a healthy and a secure life. Premiums depends on the age and breed of the animal. The goal is to be watchful of your pets’ welfare and prevent expensive veterinary bills

If we can help you protect your Best Friend, give us a call. We have our own Best Friends at home and we can tell you first-hand how helpful having coverage can be.

Why should I buy Earthquake Insurance when the government offers a FEMA Grant?

Sun, 30 Aug 2020 04:56:29 GMT

I hear that question with almost every conversation about Earthquake Insurance, so let me tell you all WHY! The most obvious reason is that you will not have to get in line with so many others who have damage and wait for help. But besides the inconvenience of that here are a few more things you may not know:

Government assistance, if available, is limited. The maximum FEMA grant available in 2018 was just $34,000.
The goal of a FEMA Grant is not to return a home to its pre-disaster condition.
FEMA Loans can be available for rebuilding houses or replacing personal property but they are LOANS! They must be paid back with interest just like a mortgage.
Insureds will say that they can’t afford the deductibles. Well, the insured does not have to pay their deductible out of pocket to receive payment on a claim. The deductible is subtracted from the covered damage, so they don’t have to pay any of the deductible up front before receiving their claim payment.
Did you realize that one home that survived an earthquake could easily be demolished with a different earthquake? Since every earthquake is different, a home that was spared in one earthquake can be damaged or completely destroyed by the next.
Even a renter can receive needed help when an earthquake hits. There is a CEA renters’ policy that will cover personal property along with help to relocate with your normal standard of living while emergency repairs are completed. There is not even a deductible!
On the other hand, the owner of the rental property can receive help with the lost rent they would have received while damage is repaired. “If the part of the dwelling that you rent to others becomes unfit to live in as a result of an earthquake, we cover the fair rental value of that part of the dwelling.”

Does Car Insurance Follow the Driver or the Car?

Sun, 30 Aug 2020 04:54:44 GMT

I’m going to start with the answer first for a change: For Car Insurance there are some coverages that follow you as the driver and some that follow the car. That is why having an agent who understands your coverage is so important because different policies respond differently.

If your brother comes for a visit and he borrows your car, with your consent it is likely the coverage from your car insurance will come into play in the case of an accident. The variables happen depending on who is listed as a driver or listed as excluded. Your car insurance typically will cover other drivers as long as they are not excluded and you have given them consent to drive your car.

There is also a variable as to what they are using your vehicle for. Your insurance will likely not extend to other drivers if they are paying to use the car or getting paid to use the car. Keep in mind that your full coverage might not extend to a rented or borrowed vehicle. Your liability coverage will generally extend to the car, but comprehensive insurance coverage and collision may not.

Confused yet? That’s why we are here. Call your agent, hopefully us at General Insurance Services. Ask us your question, and we will have an answer for you depending on your specific company and coverages. We are here to help. Call us at (949) 661-2201

Help for School Age Children at Home

With every new Email or Facebook or Insta-post we are being reminded of what we CAN NOT do right now. It is disconcerting. So to take a different approach, here is something you CAN DO with your school age children to keep them happy and engaged.

My niece, who has been a school teacher for over 29 years prepared this Fun and Freechart of ways to learn from home. We hope it is helpful, and we hope that you and your family are well and stay well.

On or Off? That’s a Good Question!

Sun, 30 Aug 2020 04:51:35 GMT

There have been more than a few arguments about when to have your lights on or off in your home. Some of us think that it’s obvious that we should leave the outside lights on to keep burglars away (even when we are asleep). Others think that it is just a waste of electricity, particularly at this time of year when days are shorter. Is there a right way?

The answer depends on a lot of different factors, so the answer is not so simple. One thing is clear, that with over 6 million residential burglaries each year in the United States (according to the Los Angeles Police Department), it takes more than just flipping a switch to prevent a break in.

The best approach is to put some thought into how we use our lights according to security experts. Recommendations from Safewise.com have a few suggestions that might help you decide when to light things up, or go dark!

When to leave you lights on:

…..When you are home (and awake). Not only does it alert people that you are home, but you can see outside as well in case someone is checking your home out. Having a few different lights on inside also sends a message that the home is likely occupied and not a great target.

…..When you go out at night. It is safer to approach a lit front door when you arrive home. It is also easier to gain entrance quickly.

…..When you can combine a porch light with other lights. For instance, if you have lighting in the back yard or by the garage, use them in alternating ways. Safewise.com says that this is the best way to make it appear as though someone is in the home.

….. Motion sensing lights are affordable and smart. They have the ability to actually startle an intruder and even make it difficult for someone to focus for a few moments.

When to leave the lights off:

….When it’s light outside. Outside lights left on in daylight actually are a clue that nobody is home. If you were home, wouldn’t you turn the lights out during the day?

…..When you are on vacation. The same idea here, if a burglar notices the same lights on for several days with no changes, they have a pretty strong message.

…..When you go to sleep. Oddly enough, with most residential crime happening during the daylight an intruder isn’t as interested as you might think during the dark hours. A porch light on at 3 a.m. isn’t going to make much of a difference.

…..If you live in a rural area. In this instance, lights might actually help an intruder more than keep them away because they can see who is around. There are fewer people to spot them checking your home out.

A Better Option:

Do you have a way to automate your lights? The best way to use light for a crime deterrent is to make burglars think that someone is home and alert. The most effective way to send that message is through lighting, both inside and out and go on and off at varying times. If you can arrange for an automated system that turns lights on after sundown that’s a great option.

The Best Option:

The goal of using light from a security standpoint is to make burglars think that someone is home. The newer systems exterior of home with lights onhave options that allow you to control the lighting for your home from your phone or mobile device, regardless of where you are. By tapping a few buttons, it can appear as if you are moving from room to room.

Extra Options:

….. Have you thought about the way your trees and shrubs are trimmed? Are they providing cover for someone casing your home or making it obvious that someone doesn’t belong there?

…..Be a good neighbor. Let your neighbors know you are happy to keep an eye on their home while they are away, and you would appreciate the same. Exchange phone numbers in case someone has a question.

Bottom line:

Turning your lights on is only an effective deterrent when it is part of an overall strategy to keep your home secure. No one wants to feel vulnerable.

It’s about Masks! Are they really helping?

Sun, 30 Aug 2020 04:46:13 GMT

Is it a political issue? Is it about personal rights? Does it really help? Once you have answered all of those questions for yourself and if you have decided that you are willing to wear a mask, you might want to do it properly so it’s not a wasted effort. Here are a few tips just in case no one has bothered to let you know how wearing a mask has the best chance to be helpful.

Masks are only effective if you use them properly, that means covering your Mouth, your Nose and your Chin!
When wearing a mask, for it to be effective there cannot be any gaps in the covering on the sides of your face.
If you are using a cloth mask, wash before you wear – on a delicate cycle in cold water with mild detergent. Air dry to get the longest wear out the masks you have chosen. This will help the elastic to stay tight and usable.
Before you put on your mask, wash your hands or use your sanitizer. (Do the same when you are removing your mask)
Double-Check that you are covered from your Nose to your Chin without gaps.
It is up to you how often you wash it but it is recommended to be washed after each wear. That is why it is a good idea to have a few clean masks on hand at all times.

There are lots of choices in style, fabric and fit. This is where I have found a product that I like. Shipping was fast, product is made in the United States and the product has lasted, washed well and covered my face properly. They also have a sale on right now. Don’t let the mention of bathing suits confuse you, it is what they were doing before there was a need for Masks.

https://www.jkinis.com/collections/face-masks

Yes! You are covered for that! Tired of hearing what your Homeowners insurance won’t cover? Here are 6 surprising hazards and situations that a standard policy will typically cover!

Sun, 30 Aug 2020 04:44:05 GMT

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Your daughter’s drone nosedives at a playground and injures another child. Your policy may cover damage or injury caused by drones by members of your household, whether it happens on or off your property according to the Insurance Information Institute. What if your drone accidently photographs someone who then sues you for invasion of privacy? Your policy may cover your defense in that case as well. Like any other property covered by your policy, if your drone is stolen, you get a replacement, subject to the deductible. (Always do the math first to make sure the claim is worth the payout). Remember, the drone coverage is only if it’s for fun, not for commercial use.
Your homeowners policy provides coverage for items stolen from your home, but did you also know that coverage extends to your property when it is outside your home? Like your kid’s dorm room! Like items in your car, or boat! The $$ limit is usually 10% of the total personal property coverage listed on your policy. Remember, off-campus apartments are not college housing! Consider purchasing a renters policy if your child is in that situation.
However unlikely it is, damage to your home and personal property from meteors, asteroids, aircraft, rockets, satellites or other falling objects is covered by a typical homeowners policy! Remember, if it hits your car, that’s a claim for your auto Insurance. Also, remember that damage from fallen trees, far less exotic but more likely than space junk is a claim for your insurer if its damage to your items regardless of who owns the tree.
Counterfeit cash, unauthorized use of your ATM, Credit or Debit cards typically is reimbursed by Homeowners Insurance up to $500 per loss if someone tries to use any of these things to buy items in your name. According to Consumer Reports, this is an example of where your policy deductible doesn’t apply! Remember, report your loss to the card issuer first, use your homeowners insurance claim as a backup option. Credit and debit card companies are required to reimburse or reverse the charges on everything but $50 as long as a report is made within 48 hours of discovery. If you miss the 48-hour window, the card issuer is only responsible for amounts above $500. That’s where homeowners coverage comes in.
The Graveyard Smash! If a headstone or other property on a cemetery plot you own is vandalized, your homeowners policy will reimburse you! Not only vandalism but theft or damage by fire or an object falling on it. Remember, there is a typical limit of $5,000.
Dog Bites and Other Pet Damage. If someone gets nipped by your furry family member on your property or elsewhere, resulting in medical bills, there is coverage unless it has specifically been excluded. You are also covered if your sweet furry friend scratches the finish on your neighbor’s shiny new car! Remember, the coverage only applies to OTHER PEOPLE AND THEIR PROPERTY, not your own.

When you have experienced a loss, it never hurts to ask if there is coverage. That is where an experienced Agent can come in handy. We love to be able to tell you that there is coverage. (If there is).

Prevent Credit Card Fraud

Sun, 30 Aug 2020 03:08:31 GMT

Where do you get your information from about how to prevent credit card fraud? Surprisingly enough, the best advice if from the individual credit card companies! But in general, the following applies:

Make sure you keep your contact information current with each company you do business with. If it is outdated, how are they going to notify you of suspicious activity?
Turn on the link which allows for unusual card activity alerts to display directly on your phone. A lot of the companies give you the ability to show those alerts even when you are not logged in.
Visit the enhanced security center for the most current and accurate protocols for each card. There will be trending information on fraud and scams along with helpful tips, and free software opportunities. Spending a few minutes reading through the fine print about fraud and prevention may prove extremely helpful.

And, since this is a message from your local, independent and helpful Insurance Agency look at your Homeowners Insurance and see if you have any coverage there for credit card fraud, and if you do, what the limits and deductibles are that apply. Call us at General Insurance Services, let us write your policy, and teach you what coverages you have. We have been doing it for over 70 years, and we are pretty good at it.

There you have it!