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Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year. At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process. When you need to file a claim, change a policy or process a certificate you can depend on Scurich Insurance Services to respond quickly to your request. SERVICES In order to provide value added benefits to our customers that go beyond the insurance policy Scurich Insurance Services offers the following additional services: Safety Programs – English and Spanish OSHA Compliance Safety Policies – English and Spanish Online OSHA 300 Log Safety Posters and Payroll Stuffers - English and Spanish Certificates of Insurance – If received before 3:30pm done the same day Risk Management Consulting Brokerage Services Represent most major insurance companies to better market your account. Safety tapes/DVD’s BUSINESS LINES Commercial Commercial Packages Business Auto Workers Compensation Umbrella Bonds Directors & Officers Professional Liability Employment Practices Liability Personal Auto Home Umbrella Recreational Vehicles Boatss Life & Health Individual Medical Individual Life Group Medical Group Benefits

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Posts tagged with auto policy - auto policy

Are You Ready For A Car Crash?

Author TonyScurich , 11/2/2016
  safe-1142432_1920You know the drill after an auto crash, heart stopping panic, and then, especially if there’s major damage or a serious injury, exchanging names, addresses and insurance information with the other driver. Easy, right? However, if the other driver refuses to provide these particulars (or you’re so shaken that you forget to ask for them), you could end up in serious financial, or even legal, trouble. Dan Young, Senior Vice President of Insurance Relations for CARSTAR warns, “[After an accident] sometimes drivers just don't do what they’re supposed to do." To make sure you’re prepared for such a mishap, follow these guidelines:
  • Remain at the scene. Although state laws differ, failure to exchange information or notify police can lead to a hit-and-run charge or loss of your license.
  • Keep a “cheat sheet” in your glove compartment about what to ask after an accident.
  • Use your cellphone to take a photo of the other vehicle, (preferably showing its license plate) as visual proof of the incident.
  • Write down details. As soon as you and your vehicle are out of traffic and harm's way, record the date and time, location, make and model of the cars and actions or statements by the other driver.
  • Ask any bystanders or eyewitnesses for their names and contact information.
In the meantime, review your auto policy to make sure that you carry: 1) collision coverage, which will pay for repairing your car and providing a replacement vehicle, if needed and 2) uninsured/underinsured motorists insurance (UM/UIM), which will cover damages for injuries caused by an uninsured or underinsured driver. For more information, feel free to get in touch with our agency  

Avoid Sticker Shock For Your Teenage Driver

Author TonyScurich , 10/3/2016
Adding a teenager to your auto policy can raise your rate by more than 40%. The good news: you and your teen can reduce these hikes significantly in a variety of ways:
  1. Get good grades. Most insurance companies offer high school or college students with a B average or better a discount of up to 10%.
  2. Live away from home. Students at college or living at least 100 miles from their parents without a car can usually get a 5%-10% discount.
  3. Take an additional driving class. Although most insurance companies don’t give a discount for mandatory drivers’ed instruction, some companies will reduce premiums by 5% for teens who go to follow-up classes.
  4. Sign a parent-teen driving contract. Your insurer might offer up to a 5% discount if your teen agrees to follow such rules as not driving at night or with friends in the car.
  5. Raise your deductible. However, bear in mind that you’ll have to pay this deductible if your teen driver damages the car. If you repair every ding, you could spend a lot more than you'll save on premiums with a higher deductible.
  6. Reduce or drop some coverage. If you have an older car, you might not need Comprehensive or Collision insurance. Be wary of lowering Liability limits. In most cases, it makes sense to keep Personal Injury Protection (PIP) coverage, which pays medical expenses of anyone injured in an auto accident.
  7. Choose a safe vehicle. The higher the safety rating of your car, the lower your premiums – and the safer your teenager will be behind the wheel.
We’d be happy to help you minimize the sticker shock of adding a teen driver. Just give us a call.

Auto Liability Insurance: How Much Is Enough?

Author TonyScurich , 3/7/2016
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Have you ever wondered about the three numbers that are part of your Auto Liability insurance, usually written in this form: XX/YY/ZZ?

The first number refers to the maximum amount of Bodily Injury Liability (BI) for an individual injured in an auto accident; the second is BI per coverage per accident; while the third covers Property Damage Liability (PD) per vehicle. For example a policy with 30/60/15 Liability coverage would pay up to $30,000 in BI per individual, $60,000 worth of BI per vehicle, and $15,000 in PD per vehicle.

Every state requires drivers to carry a minimum amount of Liability coverage under their Auto policy. Limits by state vary from 10/20/10 in Florida to 80/100/25 in Maine. These numbers have remained fairly stable for a number of years.

However, because a car accident can cost far more than the Liability minimums that most states require, people usually carry more coverage. The Insurance Information Institute recommends that you have at least $100,000 of BI protection per person and $300,000 per accident (known as 100/300).

If you hold the minimum coverage required by your state and you're involved in an accident in another state that requires higher minimum coverage, the chances are that your policy limits will increase automatically to meet the other state's minimum requirements.

We'd be happy to make sure that this feature applies under your Auto insurance - and to discuss the most cost-effective ways of protect yourself and your family from liability for accidents behind the wheel (such as increasing your Liability coverage or choosing higher deductibles).

For a complimentary review of your policy, just give us a call.


Why you need to review your commercial insurance

Author TonyScurich , 12/30/2013
Scurich Insurance Services, CA, Business InsuranceCommercial insurance is a must-have for every business.  Some businesses have specialty needs for additional commercial insurance that are not covered under the standard policy. Maybe you have had some changes in your business.  You have recently purchased delivery vehicles, you have expanded your business and purchased more property.  There are any number of possible changes that have occurred to your business that would require an analysis of your commercial insurance policies. Your cash flow has changed You have two forms of payment for your insurance, a regular monthly payment and a deductible that you will need to cover for damages and/or injuries before your provider will start to cover anymore.  The monthly payment you can factor into your standard business finances.  You will need to be diligent in planning for the unknown. The more cash you have readily available, you should think about increasing your deductible.  Higher deductibles will decrease your monthly premiums, and you will be able to save money.  Make sure the deductible will be affordable, just in case. Lower your deductible so that you can pay as needed if you are short on cash.  Contact our office so that we can shop around for the best deal possible and discuss bundling options. Congratulations!  Your business is thriving! Your business has increased since the last time you sat down with your agent.  You’ve hired more people, added a delivery service and more!  That means that your insurance will need to change also. Start with your workers compensation and disability insurance policies. Make sure that your employees are covered, and your policies are up to date. You’ve added a fleet!  You will need to get your vehicles insured under a commercial auto policy. You are remodeling or moving Commercial property insurance comprises an important part of your overall insurance needs.  If you are expanding or moving, you will need to contact our office to do a review of your new /improved digs and the policies.  Please remember that any changes you make, will affect your coverage and costs. Content provided by Transformer Marketing.