Insurance For Your Auto, Home, Business, Motorcycle, Boats, RV & More

Transcription

1 N W C onnecti ons Insurance For Your Auto, Home, Business, Motorcycle, Boats, RV & More September 2016 Why Call Your Insurance Agent Let s face it, you buy home and auto insurance to protect you when and or if an accident happens. And when you have an accident, you want your personal insurance to respond. If it has been a while since you updated your In This Issue personal insurance coverage, you may want to When to call your agent call your agent today. Common claims in the fall When to Call Your Agent Motorcycle insurance When you buy or sell a car Is my business If you started a home based business covered? If you are thinking about putting in a pool Coopers Quote When you purchased any high end jewelry, guns or other items Disaster Training Event We Support our community If you home replacement value has gone up Did you get a company car? If you have remolded any part of your home When you install a security system in your home We Support Our Community If you get married or divorced If your commute distance has changed When your children go away to college Having the right auto coverage is not as easy as it sounds, and choosing the wrong coverages and limits could lead to financial disaster. Our agents are prepared to help you find the right combination of coverage, price and service. johnm@nwinsgroup.com

2 The Most Common Insurance Claims In The Fall Did you know that the insurance industry can tell you what the most common claims are for each month? Insurance companies keep very accurate and detailed records of when claims occur and what kinds of claims occur in what month. We thought it might be informative to let you know what kinds of claims occur in the next few months. Rear-end collisions. These occur more in the fall due to changing weather and increased rain. If you re following a car, leave at least four seconds of time between you and the car in front of you if going 45 mph. Water damage. Damage as a result of rain or freezing pipes, occurs more often between October and December than in any of the other months. Fires from candles, cooking, and fireplaces caused over 45% of the home fires in the fall months. According to Ready.gov, more than 2,500 people lose their lives in house fires each year, and another 12,600 are injured. Theft from vehicles. From October through December, more cars are broken into at shopping malls, due to increased holiday shopping. Always place your packages out of light in the trunk when going back and forth from your car to the stores. Snow, ice and rain accidents. Winter weather, even in warmer parts of the country, creates increased hazards and accidents. 37% of all skidding and snow claims occur between October and December. Home burglaries increase about 33% during the fall. Keep your doors locked, use motion detectors, and turn on your home alarm. We Insure Motorcycles Did you know that 47% of all motorcycle crashes occur at intersections? Or that, on average, three motorcyclists are killed every day in the U.S. as a result of multi-vehicle crashes at intersections. So be very alert when approaching and driving through intersections. A motorcycle rider not wearing a helmet is 40% more likely to sustain a fatal head injury in a crash than a rider without a helmet. When cars and motorcycles collide, it s usually because the driver of the car never saw the motorcyclist. With more and bigger cars on the road, you need to take extra steps to become more visible. Contact a Washington RV insurance agent at Northwest Insurance Group today to learn about your options and get a quote. We want to keep you rolling. johnm@nwinsgroup.com.

3 Meet Our Team Is My Business Covered for Injuries That My Employees Cause To Others? John Moore President Ruth Sarvis Marla Hoecker Most businesses have employees who run the day to day operations. Employees are typically covered under a worker s compensation policy if they are injured on the job. However, what happens if an employee causes injury to a customer, vendor, or other third party? In general, you are liable for acts your employees commit while they are doing their job. A business or commercial insurance policy can provide protection for both the firm and your employees. That means you will usually be covered by your business insurance policy unless there is a specific situation that is not covered. Exceptions and clauses may vary, but exclusions might include criminal acts or intentional acts. Heather Hanson Coopers Quote Cooper is the brain behind the agency Mary Lee Typically, a business policy will cover the employees while acting on behalf of the business, even if that is away from the premises. Help with our 2016 Toys For Tots Toy Drive Drop off your toys from November 1st through December 10th, THANKS I speak to everyone in the same way, whether he is the garbage man or the president of the university. Albert Einstein The people who are crazy enough to think they can change the world are the ones who do. Steve Jobs johnm@nwinsgroup.com

4 6055 California Ave SW Seattle, WA Date: October 24, 2016 Place: The Kenny Fauntleroy Way SW Seattle, WA Time: 6:00 to 8:00 PM The content will involve disaster planning and the challenges related to communication, transportation as well as family disaster plans, things to do around your home. Presenter: AmericCorps disaster preparedness coordinator from The Red Cross. All are welcome, RSVP johnm@nwinsgroup.com if you are planning on attending. THANK YOU FOR YOUR REFERALS Featured Carries

5