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Contact any of our helpful and friendly agents at Scurich Insurance Services today with any questions regarding your insurance policy.
You hope nothing will go wrong with your car, especially late at night or far from home. Yet we all know that breakdowns can happen unexpectedly. We recommend taking a risk management approach to car safety — assume the worst will happen and prepare for it in advance.
Start by getting a good emergency kit. Whether you purchase one or build it yourself, your kit should contain at least a working flashlight, flares, reflective triangles, distress sign, first aid supplies, and basic tools.
Before leaving the house, make sure your cell phone is fully charged. Take along some spare change or a telephone calling card in case you break down in a “dead” area for your cellular provider.
If your vehicle breaks down, pull off the road as far as possible on the right shoulder (or in the center median, if getting to the shoulder is impossible). Activate your hazard lights and place flares or reflective triangles far enough behind your vehicle to warn oncoming traffic of your presence. Many authorities advise against you attempting to change your tires or jump your battery while traffic is present. Open your hood, then stay in your vehicle and wait for help.
If a stranger approaches, it’s safest to talk through a closed window. Don’t ask them to assist in repairing your vehicle. If they wish to help, ask them to call your auto club or the police.
Our Happy Customer program is specially designed to capture your feedback and opinion. If you would also like to share your experience with Scurich Insurance Services, please do participate in Happy Customer. We would love to hear from you!
Here are a few testimonials from some of our Happiest Customers!
sharon j. watsonville, CA
We have been with Scurich Insurance for over twenty years and have always been extremely satisfied with the services they provide our company. No high pressure sales pitch, just professionals who work with us to find the right policies to fit our business needs. The entire staff makes us feel as if we are their most important client. A rarity in today’s business climate.
Louis I. Corralitos, CA
Countlessadvertisements depict “Flo”, or a gecko, as possible advocates in theinsurance arena. Hopefully our competitors will take the bait and settle on afictitious character or a reptile to save a few bucks. Our firm sees the valuein the genuine article, the seasoned professional. The Scurich Family hasprovided both insurance products and valued advice to my family for threegenerations. Many uncertainties exist today in business; fortunately, theexcellence with which Scurich Insurance Services serves its clients is not oneof them. Their expertise, as a broker, to competitively shop for coverages, hashelped us manage costs–without unnecessary exposure. We have referred severalfriends and colleagues to the Scurich agency, for both commercial and personallines, all of whom have experienced the same high level of professionalism fromthe partners and their well-trained, courteous staff. I look forward to the daywhen the fourth generations of our two families are able to continue thismutually beneficial relationship.
Term life insurance is “pure” insurance. It offers protection only for a specific period of time. If you die within the time period defined in the policy, the insurance company will pay your beneficiaries the face value of your policy.
Term insurance differs from the permanent forms of life insurance, such as whole life, universal life, and variable universal life, which generally offer lifetime protection as long as premiums are kept current. Also, unlike other types of life insurance, term insurance does not accumulate cash value. All the premiums paid are used to cover the cost of insurance protection, and you don’t receive a refund at the end of the policy period. The policy simply expires.
Term life insurance is often less expensive than permanent insurance, especially when you are younger. It may be appropriate if you want insurance only for a certain length of time, such as until your youngest child finishes college or you are able to afford a more permanent type of life insurance.
The main drawback associated with all types of term insurance is that premiums increase every time coverage is renewed. The reason is simple: As you grow older, your chances of dying increase. And as the likelihood of your death increases, the risk that the insurance company will have to pay a death benefit goes up. Unfortunately, term insurance can become too expensive right when you need it most — in your later years.
Several variations of term insurance do allow for level premiums throughout the duration of the contract. You may be able to obtain 5-, 10-, 20-, or even 30-year level term, or level term payable to age 65. An advantage of renewable term life insurance is that it is usually available without proof of insurability.
Life insurance can be used to achieve a variety of objectives. The cost and availability of the type of life insurance that is appropriate for you depend on factors such as age, health, and the type and amount of insurance you need. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable. As with most financial decisions, there are expenses associated with the purchase of life insurance.Policies commonly have contract limitations, fees, and charges, which can include mortality and expense charges.
Born in Watsonville Tony has been in the insurance business since 1981 and with Scurich Insurance since 1983. Tony is married with 3 children, graduated from Watsonville High in 1977 and Santa Clara University in 1981. Current activities include running at Rio Del Mar Beach & West Cliff Drive, biking, cooking/BBQing, reading biographies and eating breakfast burritos at Pixie Deli. Past and present community activities include board member of St Francis High School, Pajaro Valley Historical Association, YMCA (board member and youth basketball coach), Boy Scouts of America and, Pajaro Valley Chamber of Commerce (board chair in 2004).
Contact any of the helpful and friendly agents at Scurich Insurance with any questions about yourCalifornia Commercial Insurance Policy. To learn more about Scurich Insurance, follow us about
Our Happy Customer program is specially designed to capture your feedback and opinion. If you would also like to share your experience with Scurich Insurance Services, please do participate in Happy Customer. We would love to hear from you!
Term life insurance is “pure” insurance. It offers protection only for a specific period of time. If you die within the time period defined in the policy, the insurance company will pay your beneficiaries the face value of your policy.
Born in Watsonville Tony has been in the insurance business since 1981 and with