Engineers, firefighters, lawyers, teachers, and police officers all have one thing in common: they qualify for Auto insurance discounts with some insurers who have found that people in certain fields tend to be less risky drivers than those in other occupations.
A number of insurance companies offer discounts to those in a variety of professions everything from architects, CPAs, and college professors through librarians, military personnel, and pilots, to physicians, registered nurses, and scientists.
Here’s why: although practicing architecture or flying a plane doesn’t necessarily make a driver more responsible, insurance underwriters don’t have to prove cause and effect when setting rates. They need only show a relationship between these rating factors and risk.
A variety of factors can come into play in determining discounts. One Auto insurance company offers up to a 5 % discount to first responders, such as firefighters, police officers, emergency medical technicians and paramedics. Because these people tend to work in the communities where they live, they probably don’t commute long distances. First responders might speed down the road in emergencies, but not in their own vehicles, and they tend not to work from 9 to 5 “which means that they’re at lower risk for accidents.”
Discounts vary by occupation, insurance company, and state. Some companies offer discounts for a long list of occupations and professions, while others provide them to only a few, or none at all. Some jobs receive larger discounts than others.
Rules for discounts also vary by field. To qualify for one company’s discount, health care providers must have a license to practice, as well as a degree. However, policyholders who have earned at least a bachelor in engineering, math, or science qualify for an 18% discount, even if they work in other fields.
Your occupation or profession might well entitle you to a substantial discount on your Auto insurance even if you’re retired.
Although gun control remains a controversial issue, when it comes to insuring firearms, Homeowners coverage offers some clear guidelines.
If you have rifles and pistols in your home, your policy will insure them against fire damage or theft, usually up to $2,500. Although a Homeowners application might not ask specifically about firearms, the higher liability risk that guns present means that failing to inform your agent or insurance company in advance about them could result in denial of a claim for loss or damage to them.
Because of this greater liability exposure, your insurer might require you to show that you’ve taken such sensible precautions as installing trigger locks, securing firearms properly in locked gun cases, and keeping them away from children. If you have a collection of guns that’s particularly valuable (for example, antique sidearms), you might need to buy a policy rider that ensures their replacement or reimbursement — much as with other big-ticket items, such as jewelry and fine art.
If you shoot someone else or yourself accidentally while in the home, your policy might pay for some or all of the damages, (medical bills, property damage, liability claims, and so forth), depending on the amount of coverage. However, to guarantee full protection, you would need additional policy riders, such as “Sporting Firearm insurance,” “Collector’s Firearm insurance,” or “Gun Club Liability insurance.”
To avoid unpleasant surprises, it is important to work with a professional in this area. Additional questions? Ask us, we’re here to help!For additional information about our insurance products, no-cost advice or for your free, no-obligation insurance quote, please contact the professionals at Scurich Insurance Services today at 800-320-3666 and we will be more than happy to assist you.
A season long influenza outbreak has swept through California and across the nation, hospitalizing hundreds and leaving thousands of people infected. We at Scurich Insurance Services would like to offer tips and tricks to help you stay healthy, the remainder of the flu season. The following information is taken from Flu.gov.
“Vaccination is the best way to protect yourself from the flu. There are additional steps you can take to keep yourself and your family healthy this flu season.
Everyone 6 months of age and older should get vaccinated against the flu.
Take everyday precautions, like washing your hands, to protect your health.
If you are exposed to or caring for someone with the flu, talk to your doctor about preventive antiviral medications.
Everyone 6 months of age or older should get the flu vaccine as soon as it is available in your area.
What everyday steps can I take to stop the spread of germs?
There are steps you can take in your daily life to help protect you from getting the flu.
Wash your hands often with soap and water or an alcohol-based hand rub.
Avoid touching your eyes, nose, or mouth. Germs spread this way.
Try to avoid close contact with sick people.
Practice good health habits. Get plenty of sleep and exercise, manage your stress, drink plenty of fluids, and eat healthy food.
Cover your nose and mouth with a tissue when you cough or sneeze. Throw the tissue in the trash after you use it.
If you are sick with flu-like illness, stay home for at least 24 hours after your fever is gone without the use of fever-reducing medicine.
Are there medications I can take to prevent getting the flu?
If you are healthy but exposed to a person with the flu, antiviral drugs can prevent you from getting sick. The sooner you are treated with an antiviral, the more likely it will prevent the flu. Antiviral drugs are 70% to 90% effective at preventing the flu. Talk to your health care provider if you think you need antiviral drugs.”
So don’t forget to get vaccinated, if you haven’t yet taken advantage of the flu vaccine there is still time. Flu shots can be obtained through your doctor’s office, health clinics and most drugstores. If you would like more information about our current Health Insurance programs, or to obtain a new insurance policy, simply contact the health insurance professionals at Scurich Insurance Services located in Watsonville, California today at 800-320-3666!
Simply visit our Happy Customer Follow-Up page and select the products and services you currently have as well as the ones that you need. Once you press submit we will receive your information and the products and services that you need and one of our agents will contact you!
It’s as easy as that! If you would like to speak with someone directly you can always contact us today at 800-320-3666. Don’t forget to spread this information with your family and friends.
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As you may know, an insurance policy is issued for a limited time, and, at the end of that period, the insurance company renews the policy.
Renewal dates are
important times for insurance companies and policyholders. A renewal date is when a policy period expires and a new policy period begins. Renewal dates typically occur six months or one year after the policy began or the last renewal date occurred.
Policy Changes
If the insurance company determines that the risk posed by the policyholder has changed, it may amend the policy, add restrictions or terminate coverage. General policy changes that affect all insured’s also take place at policy renewal.
Premium Changes
A change in risk may also trigger a premium change at renewal. A policyholder who has not filed any claims may see a premium reduction, while a policyholder with several claims may see an increase.
Changing Policies
If you find a better rate with another company or are unhappy with your company’s service, consider switching policies at renewal. You will avoid cancellation fees that may be imposed for mid-term cancellations.
As you may know, an