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Mobile Home Insurance

Do you own a mobile home or RV? Finding the right insurance plan can be difficult. Vern Fonk in Washington and Oregon is proud to help residents find affordable options for RV insurance and mobile home insurance.

Vern Fonk has partnered with companies that can help provide Washington mobile home insurance and Washington RV insurance. We are connected with over 20 different insurance companies to help you find the best available rates.

Protect your assets and get a mobile home insurance policy that can help cover you if something were to happen. Fire, theft and windstorms can be extremely dangerous and expensive, a good insurance policy can help you stay covered and save you thousands of dollars in an emergency situation.

Mobile home insurance can protect you in 4 ways:

  1. Helps you repair/replace or get cash value for your mobile home (depending on age)
  2. Helps you replace your personal property (inside) if it is destroyed, stolen or damaged
  3. Helps cover the cost of lawyer fees and medical bills if someone were to get injured while on/in your property
  4. Helps cover the cost of additional living expenses if you had to leave your home for claimable reasons

 

Home Safety Tips

renters20 million people are hospitalized each year because of injuries at home, 20 thousand of those people sadly, die. Your home should be a place where you feel most comfortable. There are many ways you can help decrease your chances of injury at home.

The first step in making your home safer is by removing or eliminating any hazardous areas. The most common injuries are caused by slipping or falling. It’s important to look around your home for areas where it could be easy for someone to slip or fall. Walk around you home and look for problem areas. Changing floor patterns can cause someone to trip. Rugs can slip, so use a pad underneath them to keep them from sliding around. Exposed wires can get in the way and trip someone up. Keep steps and problem areas illuminated with proper lighting.

If you have any toxic materials make sure they are locked up or out of reach of children. Medicine, cleaner, gasoline, and other chemicals can be very dangerous if ingested or exposed to open flames. Keep the lids securely fastened and locked if possible. Keep the poison control phone number in an easy to find location in case of an emergency.

If something were to happen at your home, it could end up costing you a fortune. Havign a well rounded homeowner’s insurance policy can help out in these situations. Doctors bills and home repairs can add up quite quickly. Having a good home insurance policy can give you peace of mind on a daily basis.

Know Your Coverages

Do you know what your car insurance policy actually covers? What is insured and what is not? It’s important to understand the coverage types are available and what you’re paying for.

Here is a brief description of some of the major coverages and what they’re all about:

Property Damage Liability - This coverage type covers claims for property that your vehicle damages in a accident. This type of coverage is required in almost every US state.

Comprehensive - This coverage type covers physical damage done to your vehicle from fire, vandalism, theft, wind, flood, and other accidents not resulting from a car crash.

Collision - This coverage type covers physical damage done to your vehicle from a car accident.

Bodily Injury Liability - This coverage type covers medical and legal costs if your car injures or kills someone.

Uninsured Motorist Protection - This coverage types helps cover you if the person at fault in the accident is uninsured or under insured. This can also help pay for damage due to a hit-and-run.

These are the most basic types of coverage and most policies include all of them, but at different amounts. Make sure you go over your policy with a professional that can help you determine if you’ll be covered in an accident or disaster.

Auto Insurance Coverages

Figuring out all the industry jargon when shopping for car insurance can be frustrating.  Knowing the limits of each category can only help you if you understand what they each mean.  The auto insurance agents at Vern Fonk are ready to help you determine just how much coverage you may need on your car insurance. We’re ready to help you understand exactly what you’re paying for and make sure you are getting the best bang for your buck.

Here are the most common types of coverages you’ll find on a typical car insurance policy:

Collision Insurance Coverage

Collision coverage helps pay for repairs and replacement to your car if your accident is at fault and involves another car, crashing into another object or rolling over.

Comprehensive Insurance Coverage

This type of coverage helps pay for repairs and replacement to your car if it has been damaged due to something that is not accident related. This may include fire, theft, vandalism, falling objects, animals (hitting on the road), and natural disasters.

Bodily Injury and Property Damage Liability Coverage

This type of coverage is the most common coverage and comes on just about every policy. The “liability” part of this coverage means “responsibility” and refers to both covering the bodily injury damage caused to people in the crash and the property damage damage done to vehicles in the crash. So basically, it helps pay for expenses for medical bills and property damage if you are at fault in an accident.

Uninsured Motorist Coverage

It has been reported that about 1 in every 7 drivers on the road are uninsured in the US. An accident with an uninsured driver can result in costs that aren’t covered by your basic liability insurance coverage on your policy. This is where uninsured motorist coverage comes in. It can help with costs associated with accidents with uninsured drivers. It’s an added protection that can help you make sure you don’t get stuck with the bill. This coverage can cover bodily injury or property damage or both.

Personal Injury Protection

Personal Injury Protection (aka PIP) helps pay for medical expenses, income loss and benefits for yourself and members of your household in the case of accidental injury or death. This can include lost wages due to injury, medical bills and other collateral costs.

These are just some of the basic coverages that many policies will cover. Speak with a Vern Fonk car insurance specialist in Washington or Oregon today to figure out how much coverage you should have on your vehicle and on yourself.

 

Small Accidents Can Equal Big Consequences

Every business, whether large or small, needs to have a good business insurance policy. Business insurance can help you from going out of business when you least expect it.

Accidents happen. There’s just no way around it. This is especially true at the workplace. No matter how many safety seminars yourself and your employees attend, things can and will go wrong at some time or another. Most of the time the accidents are relatively small and easy to fix, but sometimes they can turn out to be a lot larger than they started out as. Check out this workplace fail video we found:

Can you imagine the amount of money this accident cost the company, not to mention the cleanup after a mess like this? We pray they had a good insurance company to help them get back on track.

After purchasing a well rounded business insurance policy it is important to still practice and review basic safety principles. Holding regular safety meetings is something most successful businesses have in common, and it couldn’t hurt to have procedures in place for such accidents.

Do I Have Full Coverage?

The term “full coverage” can be a little confusing and misleading. The term Full Coverage in car insurance just means that you have a good combination of Liability, Comprehensive and Collision coverage on your car insurance policy. A well rounded policy can help cover you in nearly any scenario possible.

Collision Coverage. This type of coverage helps pay for damages from actual collision accidents. The collision could be with another vehicle or object (piece of property). Collision coverage covers just your vehicle and gives you the foundation for your full coverage policy.

Liability Coverage. In Washington and Oregon, there are required state minimums of Liability Coverage that must be on your car insurance policy. A lot of times just having the minimum coverage on your policy isn’t enough.  If you get into an accident, and you’re at fault it covers the damages and injury expenses you caused to that person or their property.  Medical bills and car repair bills can add up quickly, especially if more than one other person is involved, so increasing your coverage amounts to the maximum level can be wise.

Comprehensive Coverage. Comprehensive coverage is a great tool to have if something other than a collision happens to your vehicle. It covers you if something due to weather, natural disasters or falling objects damage your car and even covers damages done from fire, broken windshields, theft and vandalism.  Comprehensive coverage is the last piece needed to have “full coverage”.

Those are the 3 major coverage types for coverages to get you started with a “full coverage” car insurance policy. There are many more coverages that you can add to your account to cover you in all situations. Other common types of additional coverages could be:

Uninsured motorist coverage
Underinsured motorist coverage
Personal Injury Protection
Roadside assistance / towing coverage
Rental Car Reimbursement

Depending on what “full coverage” means to you, you’ll need to mix and add different coverages to create a car insurance policy that works for your driving needs and your budget.

Homeowner’s Liability Coverage

summerIs your home properly insured for summer fun? As the sun comes out many homeowners start inviting people over for bbqs and fun activities at their homes. Nearly all summertime outdoor activities increase the risk of an accident, and if that accident happens on your property, you may be liable for the medical and legal fees.

That’s where your homeowners insurance policy comes in. Most people know that their homeowner’s insurance policy covers them if there is a covered natural disaster, fire or theft, but don’t really understand the liability coverage it also offers. Legal and medical fees from an accident can really add up, and it’s important to have adequate coverage on your home.

trampolineIf your home is near a body of water, has a pool or trampoline, it may be wise to increase your liability coverage on your home insurance policy. Pools and trampolines can be extememly fun for your family but they come with their own dangers. Check with your insurance company to make sure you’d be covered from an accident involving your backyard pool or trampoline.

Call an agent today to make sure you’re prepared for all that summer has to offer. Our expert homeowner’s insurance agents in Washington and Oregon are standing by ready to help you find the right policy for your home and your family.

Insurance for your Motorcycle

Motorcycle Insurance in Washington and OregonThe sun is out and it’s time to dust off the bike and feel the wind in your hair again (if you still have any left). Before you take the old hog in for it’s summer tune up, look over your motorcycle insurance plan coverage and make sure you’ve got the necessary coverage to keep yourself, your motorcycle and other drivers safe.

Finding the right insurance policy for your motorcycle is important. Your policy should fit your bike, your lifestyle and your budget. Most states in the US require a minimum amount of liability coverage for motorcycles, but the other types of coverages can be optional. It’s important to ask you insurance agent which coverages are optional and which are required to make sure you are legal.

When you’re shopping for the right motorcycle insurance for you, it’s important to understand what you’re paying for.

Motorcycle insurance Collision coverage insurance covers the damages to your motorcycle if you were to be involved in an accident. After you pay your deductible, your insurance company will pay for the rest of the repairs.

Liability coverage insurance is what covers bodily injury and any property damage that you were responsible for in a motorcycle accident. This type of coverage doesn’t cover your motorcycle or yourself.

Comprehensive coverage insurance will cover the damages caused by things other than an collision. For example – vandalism, theft, or fire. You’ll have to pay your deductible before your insurance company picks up the rest of the bill.

You may be able to save money on your motorcycle insurance plan if you take certain safety courses. If you have more than one motorcycle you can also bundle those policies to save money. Keeping a clean driving record will also help keep your insurance premiums down.

Vern Fonk in Washington and Oregon specializes in motorcycle insurance for everyone! Our agents are experienced in finding the best and cheapest policies for all types of drivers. Call us today!

Don’t Give In To Road Rage

accidentHeavy traffic along the freeway and highway can test even the calmest of drivers’ patience and temper. Aggressive driving and road rage is a major contributor to serious accidents. Keeping calm and avoiding potential infuriating situations can help you stay clear of the results of road rage.

Road rage “involves a criminal act of violence”. This is what sets it apart from aggressive driving. Aggressive driving can involve speeding, tailgating and even running red lights. Aggressive driving is one of the biggest contributors of all accidents, especially those resulting in fatalities. Experts say that 56% of fatal crashes were caused by “aggressive behavior”.

A lot of insurance companies can exclude liability coverage for at fault accidents caused by road rage. If you are overcome with road rage, and get in an accident, your car insurance company may not pay for the damages.

Road Rage is on the rise. Since 1990 the reported incidents of road rage have increased by over 50%. Teenagers under the age of 19 are typically the most common offenders.

How can you keep yourself from raging? There are many things you can do to stay calm. Here are a few of our suggestions:

#1 Plan Ahead - Leave your home early to allow your self extra time to reach your reach your destination. People often stress more when they are running late and  it’s out of their hands.

#2 Don’t - Don’t give in to the other “annoying” drivers. Don’t glare, gesture offensively, flash your headlights, tailgate, or honk your horn. Don’t park blocking people in or blocking driveways.

#3 Do - Do gesture “I’m sorry” to someone you may have accidentally cut off, avoid eye contact with other drivers, drive the speed limit.

Just remember that it’s not worth it to get all worked up. Most “annoying” drivers don’t know that they’re being annoying, and yelling, gesturing and getting upset can only make the matter worse. The other driver will probably not even notice you trying to “teach” them the right way to drive, and your actions do not end up doing any good.

Stay calm and plan your route before hand. Be prepared and do not engage in other negative behavior. Remember the statistics about accidents and road rage and how they can effect your car insurance coverage. Stay safe out there!

Bodily Injury Liability Coverage

Bodily Injury Liability Coverage is a common term you’ll hear in the auto insurance world. It is one of the most misunderstood terms in the industry. This type of coverage actually doesn’t cover your injuries from a car accident, it helps cover you from the financial burden.

An example to illustrate this would be if you were at fault in an accident that resulted in the death or injury of any other person involved. Bodily injury liability coverage would protect you against the financial responsibility of medical bills, which can add up quickly. It would help pay for the person’s bills and help you avoid going bankrupt.

The typical state minimum for bodily injury liability coverage is $100k/$500k.  This means that it will cover one person’s costs up to $100k, but if there are multiple people involved it will go to a maximum of $500k together.  So the smaller amount covers one person per claim and the larger is for everyone involved int he accident that is injured.

The higher your coverage amounts are for bodily injury liability, the more expensive your premium will be. Having larger limits can be very helpful as these days medical bills can add up quickly. If your coverage limits are reached, and there are still medical bills to pay, the injured person can sue you for the rest of the costs.

If you have any questions about bodily injury liability coverage call Vern Fonk today. We’re the Northwest’s experts in auto insurance.