John Applegate - PEMCO Insurance

04/08/2013

04/08/2013

Spring Break

Great times, bon fires on the beach at La Push, Washington.

Stayed at the resort on the beach, can rent various cabins, most are on the beach with great views.

Visited the Hoh River valley, Kalaloch and Rialto beaches and the hole in the wall.

Don't expect any internet or cell phone service, it's out there.

03/29/2013

Question.

Would you be willing to risk a few hundred dollars on a deductible difference from a 250, 500 or 1000 deductible, and use the savings to purchase higher liability and uninsured motorist limits ?

Let me ask another way for some perspective.

If you were cut off on the freeway and caused a 5 car accident with ambulances taking people away, would you be more concerned about the few hundred dollar difference in the above deductibles or whether you have enough liability coverage to protect your assets ?

The difference in the deductible will not cause financial ruin, but not having enough liability coverage can.

In many instances, increasing the deductibles can appropriately generate enough savings to buy hundreds of thousands in coverage.

Ask me how I can help you determine the best use of your insurance premiums ?

03/29/2013

http://mintinfo.hubpages.com/hub/Top-10-causes-of-Car-Accidents

Thousands of car accidents occur every day resulting in death or serious injury to drivers, passengers, and pedestrians. There are numerous reasons for car accidents but by far the most common is driver error. Here is a list of the top 10 causes for car accidents.

03/28/2013

Just a reminder, landslide, sinkhole, earthquake and earth movement are not covered by standard home insurance.

A policy called Difference in Conditions can provide coverage for these risks.

http://xfinity.comcast.net/articles/news-national/20130328/US-Washington-Landslide/

SEATTLE (AP) — Geologists and engineers are assessing the stability of a scenic Puget Sound area after a large landside thundered down a hillside, knocking one house off its foundation and threatening

03/27/2013

Auto insurance is part of your investment strategy ?

Yes it is.

If I asked you that for a few hundred dollars a year, your 401k, home purchase and other investments would never go down.

They would be protected from downturns in the market and everything you have been working for would be protected from loss.

Would you be willing to invest in such a plan ?

Of course you would.

The same can be gained through your personal insurance in the event of a large injury accident.

It may be you who is severely injured, out of work or may not be able to go back to work for a long period of time or you injured someone and now they are going after you for compensation.

Thankfully these occurrences are rare, however they happen and unfortunately all too often when this event occurs that is when they find out what kind of coverage they have.

Insurance companies are not going to give you additional coverage after the loss, they will cover their end of the bargain and pay the limit of coverage you purchased, from there it is you who will be responsible.

The importance of coverage counseling for your personal auto and home insurance can’t be understated, this can help sort out places to save money appropriately, avoid any gaps in coverage and find ways to improve your overall liability and uninsured motorist limits.

I recommend establishing an umbrella plan. It significantly increases your liability protection.

This is one of the best ways to protect your assets and future earnings and the cost is minimal.

I suggest looking at your personal insurance as part of your investment strategy, doing so will help you protect everything you're working so hard for.

Let me know you thoughts !