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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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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  

Car Insurance Deal-Breakers: Non-Renewal And Cancellation

Author TonyScurich , 7/25/2016

aquaplaning-83008_1280If your Auto insurance company sees you as a deadbeat or high-risk or driver, it might cancel or non-renew your policy.

Because insurers take cancellation seriously they won't eliminate coverage for a traffic ticket or two. What's more, state regulators ban cancellations under most circumstances. However, a company can non-renew your insurance at the end of each policy period (six to 12 months) or cancel the policy during the first 30 to 60 days that it's in force. The main reason for midterm cancellation is nonpayment. State regulators set the requirements, such as a written notice of non-payment, together with a 10 to 30-day grace period to pay. Some states allow insurers to cancel coverage, usually for an activity - such as a DUI conviction that involves bodily injury or substantial damage - which indicates you're at high risk for an accident; or for misrepresenting your driving history (for example, not disclosing that your teenager was behind the wheel instead of you when an accident occurred). Some companies will backdate coverage to the cancellation date, while others will not cover you during the period when you haven't paid your premiums. If you can't bring your account up to date or the company cancels you for a reason other than non-payment, your policy probably won't be renewed - which means you'll have to look for insurance elsewhere, probably at a higher rate. Depending on the reason for cancellation, some companies might refuse to write your business. In this case, you can to turn to the state's assigned-risk pool, which offers bare bones coverage at higher rates. Your best move is to do everything possible to avoid cancellation or non-renewal. For example, if you can't afford to premium payments, consider reducing your coverage rather than take the risk or cancellation. For more information, just give us a call. We're here to help!  

That’s Not Me!

Author TonyScurich , 12/16/2015

"But he that filches from me my good name/Robs me of that which not enriches him/And makes me poor indeed." - Shakespeare, Othello, act iii. Sc. 3.

Identity theft is a huge problem in the United States. Did you know that identity thieves stole approximately $21 Billion from victims in 2012? This equates to one incident of fraud every three seconds. That’s scary. In every minute, 20 acts of fraud occur. When you keep adding up the numbers it looks horrific. Most victims don’t know until it’s too late that they have become a victim of identity theft. If you are one of the victims of identity theft, we have listed a few things for you to do:

  • Contact the Federal Trade Commission (FTC) whether online or by phone, 877-438-4338.
  • If necessary, send mail certified and request a return receipt.
  • Contact your bank and let them know of the fraud.
  • Contact all of your credit card companies and credit reporting agencies (Equifax, Experian and Trans Union) and inform them of the situation.
  • Contact your insurance companies and make them aware of the theft.
  • Keep a detailed filing system. Keep all your originals, only send copies of originals to requestors.
  • Follow all deadlines. Keep a timeline of when you spoke to a person and set up a follow up date.

Following the above guidelines will help minimize any future thefts. We hope that you never have to use this list.


How to Protect Your Personal Information Online

Author TonyScurich , 7/8/2015

Going online has become part of everyday life, whether it is for everyday activities such as shopping, sending email or paying bills, and managing your accounts. But data breaches, in all their forms, can potentially expose the personal information that we share online, putting consumers at risk of identity theft.

According to the 2014 Travelers Consumer Risk Index, 82 percent of Americans worry about loss of personal privacy, and 63 percent worry about identity theft.  Fortunately, there are steps that consumers can take, including not opening unsolicited emails and avoiding unsecure websites, to protect their personal information while online.

The following tips can help you learn how to help stay safe online:

Online Shopping

  • Research potential retailers to make sure they are reputable and have a secure network and website. Try to avoid buying from a site that does not have a secure socket layer (SSL) encryption installed. In order to do this, look for the 's' at the beginning of a URL – HTTPS:// instead of HTTP:// – to help determine if a site is SSL secured.
  • Read the site's privacy policy to learn how the personal information you provide will be used.
  • Use only one credit card for online purchases. Be sure to read statements when received to check for fraudulent or unknown charges or activity.
  • If you receive an email regarding sales or discounts from a particular retailer, log on directly to the official website for the business. Avoid linking to it from an unsolicited email.

Emails and Attachments

  • Do not send personal information in email or instant messages. Emails are out of your control once sent, and can be easily intercepted.
  • Do not click on links you receive by email or encounter online that are suspicious or from unknown sources. Only accept and click if it:
    • Comes from someone you know.
    • Comes from someone you have received mail from before.
    • Is something you were expecting.
    • Does not look odd with unusual spellings or characters.
    • Passes your anti-virus program test.
  • Be cautious of emails you receive regarding your financial accounts. If you are not sure of the email's validity, contact your financial institution directly.

General Online Safety

  • Try to limit the personal information you put on the Internet. Social media sites can be good for networking, but identity thieves can use the information you share.
  • Remember to keep your Web browser up to date. This can help ensure the latest security features are installed.
  • Avoid storing personal information, account numbers and personal identification numbers on your computer.
  • Install firewall and anti-virus software. This can help protect you from exposure to malicious cyber attacks.
  • Choose strong passwords and keep them private.

Protecting Your Child from Secondary Drowning

Author TonyScurich , 7/1/2015

Only one to two percent of drownings are classified as secondary or dry drownings. However, you definitely want to understand this risk and take steps to protect your kids.

What is Secondary Drowning? When someone struggles underwater and breathes in even a small amount of water, it can trigger spasms in the airway muscles. That water can also cause pulmonary embolism, or fluid build-up in the lungs. A victim of secondary drowning may walk away after struggling underwater and look or act fine. He or she could drown in his or her own fluids and suffer from brain injury or die within one to 24 hours later, though. What are the Symptoms of Secondary Drowning? A victim might show several signs of secondary drowning, including bubbling fluid around the lips, chest pain, wheezing, shortness of breath, cough or extreme fatigue. Young children may not be able to verbally express to you if they experience these symptoms, however, and you may not notice them if your child is fussy or tired after a long day. That's why you need to be vigilant in looking out for signs of secondary drowning after your child experiences a struggle in the water. What is the Treatment for Secondary Drowning? Hospital staff will provide oxygen treatment or ventilation for a victim of secondary drowning. Prevention is the best treatment, though, as you:
  • Teach your kids how to swim with confidence and how to be safe in the water.
  • Supervise kids in the pool or bathtub every second.
  • Ensure all adults who supervise kids know CPR techniques for all age groups.
  • Make sure the pool is fenced in with childproof locks.
  • Seek medical treatment immediately for someone who experiences a struggle in the water, even if he or she shows no signs of secondary drowning.
Additionally, verify that your homeowners insurance is up to date. It can cover medical treatments required to save a child from secondary drowning.  

Have you heard about criminal iden

Author TonyScurich , 7/14/2014

Criminal identity theft occurs when an imposter gives another person's name and personal information such as a drivers' license, date of birth, or Social Security number (SSN) to a law enforcement officer during an investigation or upon arrest. Or the imposter may present to law enforcement a counterfeit license containing another person's data.

Frequently, but not always, the imposter fraudulently obtained a driver's license or identification card in the victim's name and provides that identification document to law enforcement. Or the imposter, without showing any photo identification, uses the name of a friend or relative. In many cases, the imposter is cited for a traffic violation or for a misdemeanor violation and is released from the arrest. The imposter signs the citation and promises to appear in court. If the imposter does not appear in court, the magistrate may issue a bench warrant, but the warrant of arrest will be under the victim's name.

The identity theft victim may not know there is a warrant of arrest issued under his/her name. The victim may unexpectedly be detained pursuant to a routine traffic stop and then subsequently arrested and taken to county jail (booked) because of the outstanding bench warrant.

In some cases the imposter will appear in court for the traffic or misdemeanor violation and plead guilty without the victim being aware of this event. In other cases, the imposter is arrested and booked at the county jail for a felony such as a drunk driving or other serious public offense. The imposter provides the victim's name and personal information. This information is then recorded in the countywide data base and is usually transferred to the State's criminal records data base and possibly to the national data bases, the National Crime Information Center (NCIC)

Some identity theft victims, unaware of the earlier criminal activity by the imposter, may learn of the impersonation when the victim is denied employment or terminated from employment. In these cases, the employer conducted a background investigation and had relied upon the criminal history found under the victim's name. Note that the employer is legally obligated to inform the victim of the reason for the rejection of employment. (See Federal Trade Commission information about this requirement atwww.ftc.gov/bcp/edu/pubs/business/credit/bus08.shtm

Unfortunately, as with financial identity theft, the burden of clearing one's name within the criminal justice system is primarily on the victim. The victim must act quickly and assertively to minimize the damage. Yet, the responsibility to correct the erroneous data in the various criminal justice computer systems is with the officials working within the criminal justice system. There are no established procedures for clearing one's wrongful criminal record.


Stop being a target for identity theft

Author TonyScurich , 1/13/2014
Scurich Insurance, CA, Identity TheftIdentity theft is moving a lighting speed.  Credit scores get destroyed, bank accounts and investments get heisted, and people's lives are ruined.  And it's so swift, it's practically unnoticeable until you get to the bank. Unfortunately, you may be giving the thieves everything they need to take everything you have.  Here are a few tips that you can start doing today to protect yourself from identity theft.
  • Log off all public computers.  Using the public library's computer is a good tool if you don't have your own computer.  But be cautious while you are using it.  Make sure you log off from all of your programs and applications.  Staying logged in may give the person who uses the computer after you, all the information they need.
  • Change your passwords.  Don't write your passwords out for everyone to see.  Keep your passwords in a safe location that only you know of.  Every so often, change out your passwords.  Hackers can get your information if you have a weak or the same password for everything.
  • You fall for phishing scams.  Phishing scams are commonly seen in your email.  You receive a notification from your bank telling you that you have a problem with your account, and they need you to sign in.  Don't fall for it!  Those are scams trying to get your information.  You may also find emails that say you're entitled to a large sum of money when some unknown relative in a distant country died and left you all of their fortune.  If you don't know this unknown relative, chances are they never existed, along with this large inheritance.
  • Get that paper shredder out.  Don't just throw out papers with your personal information on it.  Shred them.
  • Shop on secured sites.  Make sure when you do your online shopping the address starts with https://.  Make sure your anti-virus program is up to date.
  • Don't give out information over the phone.  If you get an unsolicited call from your bank or credit card company chances are, they are scammers.
  • Hold on to your belongings.  Keep your bag and your phone with you at all times.  It may seem like a quick  trip to the store and, "Why not?  I'll be out in a jiffy."  Problem is, it takes just a jiffy for thieves to break into your car and grab your belongings.  It's not worth it.
  • Don't text confidential information.  Your phone can easily be hacked by hackers.  Keep your confidential information off the phone.
  • Don't store your personal information on your computer.  If your computer gets stolen, so does all of that information.
  • Public WiFi.  Don't use public WiFi to do transactions.  It's never a good idea, your information is out there and ready for others to grab a hold of.
Keep your personal information safe and out of the hackers grasp.

Content provided by Transformer Marketing.

   

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.