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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 - auto

Will Insurance Cover Your High-Tech Car Key?

Author TonyScurich , 7/18/2016
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Metal car keys are going the way of the land line, as most drivers have graduated to a key fob or remote with a transponder that needs programming before use. If you own a high-tech luxury vehicle you might have a "smart key" - a remote control to plug into your dashboard or leave in your pocket.

Although these devices add convenience, they're pricey. You'll pay $200 to $400 to replace a smart key on a luxury car, plus $100 an hour for labor. If you lose all your keys, you might need to replace the locks, which could cost $1,000. Auto insurance will cover the cost of replacing smart keys (or metal keys) only if the loss comes from a peril covered under the policy. For example, if your keys are damaged when you collide with another car, Collision coverage would pay to replace them. Comprehensive coverage –which reimburses you for loss or damage to your vehicle from theft, vandalism, fire, hail, or flood - would include replacement of the keys, as part of the vehicle. If your car keys are stolen, Homeowners insurance should pay to replace them because theft is a "named peril" under the policy. Bear in mind that your Auto or Homeowners deductible will apply against the cost of replacement. Technology is well on the way to eliminating car keys. According to the AAA, smart phone apps that allow you to unlock and start your car are standard on many vehicles as of 2015. In the meantime, you can avoid paying the high cost of replacing smart keys by keeping spares in a safe place. To learn more, please feel free to get in touch with us.

Commercial Auto Insurance 101

Author TonyScurich , 5/23/2016

Nearly six million traffic accidents occur in the U.S. every year - more than 16,000 a day (or one every 10 seconds). If your company owns, operates, or uses motor vehicles - or if you have employees who use their cars for business purposes - you need Commercial Auto Insurance to provide financial protection against losses from mishaps that occur behind the wheel. This valuable policy provides these coverages:
  • Bodily Injury Liability pays the cost of bodily injury to others from accidents for which you are responsible. If you're sued, it also pays your defense and court costs.
  • Property Damage Liability picks up the tab for property damage to others for which you are responsible, as well as defense and court expenses.
  • Personal Injury/Medical Payments usually covers medical and funeral expenses for bodily injury from an accident that involves an insured vehicle.
  • Collision pays for a covered vehicle that is damaged by a collision with another vehicle or object.
  • Comprehensive Coverage pays for a covered auto that is stolen or that is damaged by causes other than collision or reckless driving.
  • Uninsured/Underinsured Motorists covers injuries and, in some cases, property damage, when you're involved in an accident with another person who either doesn't have Auto Insurance or carry enough coverage.

Before you purchase or renew your Commercial Auto Insurance ask yourself these questions: 1) how much Liability Coverage you should buy, and 2) how large of a deductible should you choose?

We'd be happy to help you choose the most cost effective policy for your needs. Just give us a call.

 


Scurich Insurance Offers Boat Safety Tips

Author TonyScurich , 5/1/2015
We advise boaters to take necessary precautions to be safe during the summer season, the time of year when boat accident claims increase in frequency, according to an analysis of claims incidence at Travelers, a leading provider of boat and yacht insurance. “Substantially more people are on the water during the summer, so that is the time boaters should be extra careful to protect their family, friends and watercraft from a loss,” said Tony Scurich of Scurich Insurance.  “It’s also a good time to review your boat and yacht insurance with an independent agent to be sure you have adequate coverage.” We recommend the following boat safety tips:
  • Wear a life jacket:  80 percent of drowning victims were not wearing a PFD (Personal Flotation Device) or life jacket.  Most states require that children under a certain age wear a life jacket and that every boat be equipped with one life jacket per passenger.
  • Take a boating course:  Even if your state does not mandate the completion of a boating course prior to obtaining your boating license, both you and your passengers will benefit from a formalized course.  To learn more about boating safety classes, visit http://cgaux.org/boatinged.
  • Schedule a vessel safety check:  The Coast Guard auxiliary offers free safety checks.  For more information, visit www.vesselsafetycheck.org/getvsc or http://www.uscgboating.org/default.aspx.
  • Equip your boat with an emergency kit and be familiar with how to use each of the items.  Travelers recommends including the following:  fire extinguisher, first aid kit, visual distress signal and/or a Coast Guard-approved throwable PFD, such as a life ring or a horseshoe.  Organize an emergency plan and make sure that passengers are familiar with it.  Remember to test equipment and be knowledgeable of the suggested guidelines for usage and replacement.
  • Be prepared for the weather:  Check the weather forecast before going on the water and be equipped for changes.
  • Know where you are:  The Coast Guard recommends having charts, a GPS (Global Positioning System) and a reliable means of communication on board.
  • Know how to contact the Coast Guard:  Marine radio is the preferred method to communicate on the water because it broadcasts to other boaters in the vicinity.  If using a cell phone on the water, test it for a maritime emergency by dialing *CG (*24).  There is no charge or penalty for calling to test the signal.
    • Do not drink and drive:  According to the Coast Guard, a boat operator with a blood alcohol level of .10 percent is 10 times more likely to be killed in a boating accident than a boat operator with a blood alcohol level of zero.  Operating a boat while drinking is illegal in several states.  Remember that the effects of alcohol are exacerbated when combined with sun exposure and being on the water.
Established in 1924, Scurich Insurance is an independent insurance agency offering a full range of insurance products including Auto, Home, Life, and more…  Scurich Insurance is a member of [ASSOCIATIONS] and supports [LOCAL CHARITIES OR ORGANIZATIONS]. For information and quotes on insurance coverage, please visit Scurich Insurance at 320 East Lake Avenue, Watsonville, CA 95077-1170 or call (831)-722-3541.   About Travelers The Travelers Companies, Inc. (NYSE: TRV) is a leading provider of property casualty insurance for auto, home and business.  The company’s diverse business lines offer its global customers a wide range of coverage sold primarily through independent agents and brokers. A component of the Dow Jones Industrial Average, Travelers has operations in the U.S., Canada, U.K. and Ireland. For more information, visit www.travelers.com.

Does Smoking Increase My Life Insurance Premiums?

Author TonyScurich , 5/1/2015

Are you confident that your loved ones would have financial security if you were to die today? If not, consider purchasing life insurance. It pays a death benefit to your loved ones when you die, and it provides peace of mind and financial security to your survivors. Smoking, however, can limit your ability to afford life insurance.

Life Insurance is Based on Risk

Insurance companies offer a variety of policies, but they reserve the right to adjust rates based on risk factors. If you smoke or engage in other behavior that's considered high-risk or unhealthy, expect to pay more for coverage.

Why is Smoking a Risk?

Whether you've smoked for years or recently picked up the habit, life insurance companies see you as high-risk. They base their perspective on two factors.

  1. Smoking increases potentially fatal health issues like cancer, heart disease, emphysema, chronic obstructive pulmonary disease (COPD) and asthma.
  2. Smoking is the leading cause of premature death in the U.S. How Much More do Smokers Pay?

Every policy is different, but on average, smokers can expect to pay around 15 percent more for life insurance. So, if a non-smoker with a similar demographic and health pays $50 per month, a smoker could pay as much as $57.50.

Is There an Affordable Solution?

Before you give up on finding affordable life insurance, shop around. Your insurance agent can assist you in finding the most affordable life insurance premium.

Additionally, remember that insurance companies factor in how long you've smoked and how much you smoke. While their preferred rates may not go into effect until you've been nicotine-free for 12 or more months, you can start maintaining a smoke-free lifestyle now by enrolling in a smoking cessation program.

You may also find affordable premium rates if you bundle your life insurance with other policies like health, home and auto.

Talk to your insurance agent today. Find the most affordable life insurance policy for you, and give your loved ones financial peace of mind.


Lower Your ATV Insurance Premium With Seven Tips

Author TonyScurich , 3/16/2015
atvRiding ATVs with your buddies or family combines the thrill of the great outdoors with the power of a four wheeling machine. Insurance protects your investment if it's damaged or stolen, and some riding clubs require insurance before they'll allow you to join. Lower your ATV insurance premiums with seven tips. 

1. Buy a utility model. Sporty models or ATVS with bells and whistles look and ride nice, but they may cost more to insure. Utility models are often economical to insure. Likewise, keep in mind that the ATV's mileage, condition and age also affect your premium. 

2. Take a safety course. Most ATV dealers offer safety courses that include a book test and riding instruction. Your insurance company may reward you and anyone who shares your machine for knowing how to navigate your ATV safely in all terrains. 

3. Maintain a clean driving record. Your insurance premium stays low when you operate the ATV safely and only on grounds where you have permission to ride legally.

4. Store your ATV safely. Locking your toy in the garage and installing an anti-theft device on it can reduce your insurance costs.

5. Compare policies. Different insurance companies offer different deductibles, coverage options and rates, so take your time and comparison shop.

6. Use one company for all your insurance needs. Most companies give you a discount when you combine, home, auto and ATV insurance.

7. File claims only when you have to. You pay for insurance so that you can file a claim if you have to, but don't file for every little damage or your premium will rise. 

If you love riding your ATV, make sure it's properly insured. Then, use these seven tips to obtain a lower premium. Call us today for additional information on how we can help you find the affordable ATV insurance coverage you need.

Tips to lower your homeowner's insurance premiums

Author TonyScurich , 5/21/2014
Scurich Insurance Services, CA, Homeowners InsuranceThere are several steps you can take to ensure you are getting the best Homeowners insurance rates possible for the coverage you need:
  • Before purchasing a home, it is wise to learn about its insurance loss history. If there have been past losses, be sure to inspect the home closely to determine if proper repairs were made. The CLUE and A-PLUS databases enable insurers to check the claim history of the property as well as that of the homeowner.
  • Raising your deductible is a great way to reduce your premiums. Higher deductibles on your Homeowners insurance could produce savings of 25% or more.
  • Consider upgrades to your home. Do you need to modernize your heating, plumbing, and electrical systems to reduce the risk of fire and water damage? Are there upgrades you could make that would reduce the risk of damage in windstorms and other natural disasters? You might be able to save on your premiums by adding storm shutters, reinforcing your roof, or buying stronger roofing materials. Older homes can be retrofitted to make them more capable of withstanding earthquakes. If you do make home improvements, be sure to make your insurer aware of the changes.
  • Improve your home security. You typically can get premium discounts of at least 5% for installing a smoke detector, burglar alarm or dead-bolt locks. Some companies will cut your premium by as much as 15% or 20% if you install a sophisticated sprinkler system and a fire and burglar alarm that signals the police, fire department, and other monitoring stations. These systems are not inexpensive and not every system qualifies for a discount. Before you buy such a system, find out what kind your insurer recommends, how much the device would cost, and how much you would save on premiums.
  • Buy your Home and Auto policies from the same insurer. Some companies that sell Homeowners, Auto and Liability coverage will take 5% to 15% off your premium if combine policies with them.
  • Maintain a good credit rating. Most insurers use credit-based insurance scores to determine Homeowners and Auto coverage premiums. All else being equal, a person with a good credit score will pay much less for insurance than someone with a lower score.
Contact our office today for more information. Content provided by Transformer Marketing.