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4 years ago · by · 0 comments

Police Officer Raises $100,000 After Tragedy, Proves ‘Humankind Really Does Care’

Scurich Insurance Services, CA, Car accidentScurich Insurance Services, CA, Easter Egg HuntScurich Insurance Services, CA, Car accidentScurich Insurance Services, CA, Police Officer helpsSAN JOSE, Calif. (AP) — After 17 years on the force, San Jose Police officer Huan Ngyuen had learned not to get emotionally involved in his work. But then one got through.

On May 6, a road rage slaying in his Little Saigon neighborhood, on the streets where he grew up and now patrols, took the life of a Vietnamese immigrant like himself. The victim was a 37-year-old bus driver who left behind a widow and two young children, one with severe autism.

“We try not to get emotional, but sometimes these things really affect me,” Nguyen said. “It kind of hit the soft core of my body.”

Ngyuen and his colleagues sent texts to friends and family asking if they could help the widow. Then, at his friends’ urging, he launched a website, hoping to raise a few thousand dollars. Word spread quickly: Now, less than three weeks since the murder, nearly $100,000 has poured in from the local Vietnamese community and far beyond, including Houston, Boston, New York, even London.

“I’m very thankful, and I’m very surprised,” said widow Dieu Huynh, a limited English speaker whose husband’s cremated remains were buried last weekend.

Sinking into her couch with her 4- and 7-year-old sons, she fought back tears, telling Ngyuen in Vietnamese how her youngest son, Steven, keeps asking her to call his father. Her older son, Henry, can’t talk, but hugs and kisses her. Unable to function independently, Henry dashes out the door into the street if left unattended, has seizures, and will need a lifetime of constant care.

“When I met this family, I could see they were going to need help,” said Ngyuen, himself a father of two. “It really, really got to me.”

National Center for Victims of Crime Executive Director Mai Fernandez said online, crowd-sourced fundraisers are increasingly common for crime victims, but usually it’s friends or family who launch them.

“I’ve never heard of a police officer stepping in like this. This sounds like a really special person,” she said. “When there’s a tragedy out there, there are a lot of heroes who step up. It’s amazing to see the outpouring of generosity of the public. Humankind really does care about each other.”

Ngyuen, who sought approval before reaching out publicly and has the full support of San Jose Police Chief Larry Esquivel, said he’s shy about being in the spotlight.

“But this isn’t about me at all,” he said. “My job is to help others. No amount of money can replace their dad, but this can help those boys as they grow up.”

Ngyuen also is keeping an eye out on his patrols for the suspect who shot Huynh’s husband, Phuoc Lam. That morning, with a rare few hours free, Lam and Huynh were doing errands for her upcoming birthday party.

Suddenly Lam slammed on his brakes to avoid hitting two men in a Volkswagen Jetta who pulled out of a mobile home park driveway in front of him, police said. Lam climbed out of the driver’s side to survey the scene. Words were exchanged, and as Huynh was stepping out to see what was going on, her husband was shot. Police said she told them she saw Lam fall.

Huynh doesn’t speak of it in front of her children. But at that moment her life crumbled.

Read the entire story here.

Content provided by http://www.huffingtonpost.com/2014/05/26/san-jose-police-officer-raises-money_n_5393027.html?utm_hp_ref=good-news

 

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4 years ago · by · 0 comments

Is that contract insured?

Scurich Insurance Services, CA, Car accidentScurich Insurance Services, CA, Easter Egg HuntScurich Insurance Services, CA, Car accidentScurich Insurance Services, CA, ContractTo be in business means to sign contracts – and every one of those contracts requires that you agree to provide some guarantee. A common question is “will my insurance back me up on those guarantees?”

The answer can be complicated. For one thing, it’s essential to determine if the contract is one of the types that your Liability coverage specifies as an “insured contract.” Although other policy provisions can also apply (such as exclusions and limitations), if a particular contract isn’t considered an “insured contract,” look no further – your policy won’t apply.

Standard Commercial Liability policies usually define “insured contracts” to include:

  • Leases.
  • Sidetrack agreements (made with a railroad if you have tracks crossing your property).
  • Easement or license agreements.
  • Obligations required by ordinance to indemnify a municipality.
  • Elevator maintenance agreements.

Almost all Liability policies also include a broader provision that covers contracts under which your businesses assume the “tort liability” of another party for bodily injury or property damage. “Tort liability” is defined as liability that would exist in the absence of a contract or agreement. In other words, the liability you’re assuming must arise from the negligence of the other party to the contract. If the injured person can sue this other party without reference to any contract or agreement (“tort liability”), then a contract under which your business agrees to assume this liability will be considered “insured.”

Although it’s important, the definition of “insured contract” is only the starting point for determining if Liability coverage applies. Instead of assuming that your policy covers your contractual agreements, give one of our specialists a call. We can review the specific provisions of your current coverage as they might apply to your proposed contract and advise you about possible gaps.

Content provided by Transformer Marketing.

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Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

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Aptos, Ca 95003-4700

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Watsonville, CA 95077-1170

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