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Insurance Changes for Winter Storage

9/26/2014

 

Save Money While Storing Your Summer Items

It is that time of year when the leaves start to fall and the weather is changing.  That means it is time to start thinking about putting those summer items away until next spring. When you put your motorcycle, RV, boat, ATV or other summer items in storage, you can reduce coverage on those items and save money.

Taking these items down to COMPREHENSION ONLY will still cover your summer items for fire, theft, vandalism and glass breakage.  

If you plan on taking your summer items out periodically during the fall and winter it may not be a good idea to do this.  By going to COMPREHENSION ONLY, it takes away liability coverage. LIABILITY coverage is required if you are driving. Warning, if you are taking summer item(s) in and out during the fall and winter, you may forget to call TUCKER AGENCY to add LIABILITY back on.  This is meant for items that are truly being stored away during the off-season. 

Contact Tucker Agency today to find out if this is a money saving solution for you!
ATV and Motorcycle
Boat

Disability Insurance Needs Calculator

5/16/2014

 
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How much money would you bring in each month if you were disabled and could not work?  Now, how much money do you pay for expenses each month?  Do you have enough?
 
Take a moment to calculate how you would handle finances if you missed work for an extended period of time due to disability. 

 If you find yourself in the hole, don’t hesitate to contact Jacob at www.TuckerIns.com  for a quick quote.  You will be surprised at the cost once you figure out how much you “really” need.

MONTHLY INCOME

Benefit amount from current disability income policy $____________
Income from spouse $____________
Investment income $____________
Any other income $____________
Total Monthly Income Available $____________

MONTHLY EXPENSES

Mortgage or Rent $____________
Car Payments $____________
Utilities $____________
Food and Clothing $____________
Child Care Expenses $____________
Loans & Credit Card Payments $____________
Medical Expenses $____________
Insurance Premiums (Home, Auto, Life, Health) $____________
Savings, Investments, Retirement Contributions $ ____________
Other Expenses (Education, Entertainment, etc.) $____________
Total Monthly Expenses $____________

Analysis

Total Monthly Income Available: $_______________
Minus Total Monthly Expenses: $________________
Equals Need for Additional Monthly Income Due to Disability: $________________

Disability Income Insurance

5/7/2014

 
Disability Income Insurance provides money to replace earned income while disabled from sickness or an accident.
Disability Insurance

Ask us how to reduce your costs on a long-term disability policy by calling an agent today at Tucker Insurance.

734.697.5544

Important Facts To Consider

  • Almost one-third of Americans entering the work force today (3 in 10) will become disabled before they retire. *
  • Less than 10% of disabling accidents and illnesses are work-related. The other 90% are not, meaning workers’ compensation doesn’t cover them. **

Short-term Disability Insurance

Most companies provide their employees short-term disability insurance which pays up to six months. What do you do when that runs out?  Use that benefit to lower your costs on a long-term disability policy.  

*Source: Social Security Administration, Fact Sheet Jan. 2009.
**Source: Council for Disability Awareness, Long-Term Disability Claims Review, 2010.

RV Insurance

3/21/2014

 
RV Insurance
Then, consider optional, added protection to customize the perfect policy.
  • Higher levels of Emergency Vacation Expense coverage, Trailer coverage, and Vacation Liability coverage.
  • Personal Effects coverage. We’ll pay the full cost (no depreciation) of personal items that get damaged in and around, or are stolen from, your RV.
  • Roadside Assistance. We’ll have your vehicle towed to the closest qualified shop, all with no out-of-pocket cost to you.
  • Full Timer’s coverage. Get protection similar to a homeowners policy if you live in your RV “full time.”
  • Windshield coverage with no deductible.

Get insurance designed for RVs

Start with the basics every RVer needs - Liability, Comprehensive and Collision. Right away, you get benefits that are simply unavailable on a standard car insurance policy.

  • Get the full value (not depreciated) if you need to replace damaged components—including awnings and tires—covered by Comprehensive and Collision.
  • Earn lower deductibles for each claim-free policy period with the Disappearing Deductibles feature.
  • Get even more for your money, as Comprehensive and Collision includes Pet Injury coverage, Emergency Vacation Expense coverage, Trailer coverage, and Vacation Liability coverage.
RV Coverage

Peace of Mind!

Finally, enjoy the ultimate in peace of mind with the Total Loss Replacement or Agreed Value options. With Total Loss Replacement, you get a brand new RV of similar make and quality if your current RV is “totaled” (damaged beyond repair or stolen). With Agreed Value, you set the value of the RV when you buy your policy, and you get that amount if your RV is totaled.

Executive Umbrella Claims

2/21/2014

 
Picture

Do you need an Umbrella Policy?

An executive umbrella is typically between $140 and $200 for the average family.  Discounts on your home and auto can offset that cost.  Your basic home and auto policy cover you while in the United States, its territories and Canada.  If you are anywhere else, you are not covered.  An umbrella covers you all over the world.  Great thing to have before you go on spring break or that big trip this summer.

Take a look at some examples of people that needed their umbrella policy.  

Insured driver rear ended a vehicle stopped to make a left turn, forcing it into an oncoming lane as 16 motorcycles were going past. Three motorcycles were caught up into the accident, injuring four motorcyclists and two occupants of the claimant’s auto.

Claimant is alleging defamation, civil conspiracy, tortuous interference with contract, intentional infliction of emotional distress, abuse of process and invasion of privacy against the insured.

Claimant left insured’s premises after consuming alcohol, and was subsequently involved in an auto accident. Claimant sued insured on theory of host liquor liability.

Insured boat driver and named insured are facing two wrongful death claims and a bodily injury claim as the result of a boating accident. The driver of the insured’s boat whipped the victims, ages 12, 12, 9, and 7, into a raft constructed of barrels supporting a wooden deck.

Our insured’s son was driving a non-owned vehicle, which was uninsured, when he was involved in this loss. The claimant was sitting on the trunk on the outside of the vehicle while it was in motion. Claimant slipped and fell, striking her head on the pavement after suffering a severe head injury.

Injury to claimant while attending insured’s birthday party. Claimant was shot in the eye with a paintball.

Insured was walking his dog on a leash. Stopped to talk to neighbor and both insured’s dog and neighbor’s dog were barking. Both insured and neighbor pulled on the insured’s dog leash and the neighbor lost his balance, fell and sustained bodily injury. Claim filed against insured.

Insured’s wife was going over a hill and came upon an emergency vehicle. She attempted to slow down but slid and lost control of her vehicle, hitting the claimant’s vehicle, two EMTs, a firefighter and two police officers.

Insured sued for defamation, humiliation, and emotional distress as a result of insured’s daughter wrongfully accusing claimant of sexual misconduct with a child.

Two year old claimant caught his hand in insured’s boat lift and sustained amputation of the tips of his ring finger and little finger.

Claimant broke his neck and became a quadriplegic during a tug-of-war game during “Greek Week”. Our insured’s son is a member and elected officer of one of the fraternities that sponsored “Greek Week” activities.

Claimant filed suit against our insured asserting that he made false accusations regarding the claimant allegedly committing a crime, which amounted to “civil slander” and negligent infliction of harm. The accusations against the claimant related to the claimant having possession of a firearm on the insured’s premises.

Injury to claimant while attending insured’s birthday party. Claimant was shot in the eye with a paintball.

Claim filed for retaliatory discharge of claimant for making a worker’s compensation claim against the insured. Claimant is also alleging wrongful discharge, bad faith termination resulting in lost wages, embarrassment, humiliation, emotional distress and exemplary damages.

Report Property Damage After Severe Weather and Make Repairs

11/25/2013

 

How to Prevent Ice Dams and Freezing Pipes

MyBlue Health Care Insurance

10/6/2013

 
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Click on the link to learn about different health care insurance plans, understand frequently asked questions, complete an application and receive a quote.  It is really easy to use and will let you know if you qualify for a plan under the new health care law.  

How You Can Control Health Costs?

3/13/2013

 
Four ways you can help to control your health care costs:
  1. Just ask
  2. Befriend your local pharmacist
  3. Do your research
  4. Fight back
Click here to read more at CNN Health.

How's your sump pump?

3/13/2013

 
With the snow melting, your sump pump will have to work overtime. Try these tips to help prevent water back-up in your home.
  1. Test your sump pump once a month.
  2. Replace your sump pump if you need to; they usually only last about 7 years.
  3. Add a battery to your sump pump incase the power goes out. 
  4. Add an alarm to alert you when the water level is too high. Some security systems will integrate with it to alert you even if you are away from home.

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48225 Michigan Ave.
Canton, MI 48188
Open Monday - Friday
9 AM - 5PM
Office: 734.697.5544 
Free: 877.818.5777
Fax: 734.697.5464
Email: ​Traci@TuckerIns.com
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  • Home
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