Nelson Insurance Is Making The Santa Cruz Museum of Art & History Free on July 3!

As a thank you to our great clients, Nelson Insurance is sponsoring the Santa Cruz Museum of Art & History on Wednesday, July 3’rd and making admission FREE to you, your friends, and family! We’re excited for our second opportunity to sponsor a day this season, and hope you’re able to make it down and check out a great local treasure.

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Drought

California Experiences Record Levels of Dryness in 2013

You’ve probably noticed already it’s been pretty dry this year. Just how bad has it been? The 4’th driest in nearly 150 years!The National Interagency Fire Center is predicting an earlier and potentially more widespread fire season than we’ve seen in decades. For those of us living in the Bay Area this is particularly startling news because we live in an area rich with trees, forests, and of course brush. Whether you live in a wooded area or in the city, there are important pre-emptive measures you can take to protect your home and your family from our increasing threat of fires and wildfires.

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Driving on Phone

Why Full Coverage Auto Insurance Isn’t Actually “Full Coverage”

When I talk to a potential client and ask what coverage they currently have for their auto insurance, the two most commons responses are “liability only” and “full coverage”. Liability only is fairly straight forward; if you’re at fault in an accident, liability coverage provides protection for damage to the other person’s vehicle, their medical expenses, and lawsuits arising from the accident, up to your policy limits. There is no coverage for damage to your own vehicle. When someone mentions full coverage, they’re typically referring to collision (repairs your own vehicle if you’re at fault), and comprehensive (damage to your vehicle other than collision, i.e., theft, vandalism, fire). But does having full coverage mean you’re covered for everything? Far from it!

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Accident

What To Do When You Get In A Car Accident

You’re in a very vulnerable position any time you get into a crash, so what do you do when you get in a car accident? The first thing to do is get your car off the road into a safe spot away from moving cars. If you’re injured, call 911.

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Meeting

What’s the difference between an Admitted and Non-admitted insurance company?

Admitted Insurance Companies
In California these are companies that are licensed with the state and must file and have rate changes approved by the Department of Insurance. Admitted companies are considered “standard” insurance companies, and they specialize in low-medium risk insurance. Unless you have several tickets and accidents, or have a high risk home, you’re probably insured by one of these standard companies. Because they’re licensed with the state, they participate in the State Guarantee Fund, which provides consumers with protection if their insurance company becomes insolvent or goes bankrupt.

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Credit Cards

How To Protect Yourself From Identity Fraud

In the digital world, accessing consumer information becomes easier for criminals every day. Chances are you’ve registered and transacted with dozens, if not hundreds of online websites, retailers, message boards, and networking sites that all ask for different pieces of information from you. You’ve entered credit card information, date of birth, drivers license, social security number, and your mothers’ maiden name more times than you can count. Unfortunately this is all information that can be intercepted, stolen from your computer, or stolen from your trash and used to destroy you financially! In 2009, there were over 11 million identity fraud victims in the United States alone, with the average cost to repair credit and reverse the damage at $631 per person. The FTC estimates it takes the average person over 6 months to repair their name and credit, and over 200 hours of work.

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Siren

What You Need To Know About SR22 Insurance

What is an SR22 and why do I need one?

SR-22’s are an insurance document filed with the DMV that shows proof of financial responsibility. If you’ve had a DUI, DWI, suspended license, major moving violation, ticketed for driving without insurance, or just a lot of tickets, you will likely need to carry an SR22 to start the process to reinstate your license. The DMV typically requires you to carry the SR22 for 3 years, and it’s extremely important to not let your policy lapse during that period, because it needs to be 3 years of uninterrupted coverage!

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Couple

Senior Driver Discounts – How Drivers Age 55+ Can Save 10% Or More On Their Auto Insurance

Are you 55 or older, and have less than 2 tickets/accidents in the past 3 years? Then you may be eligible for a mature or senior driver safety discount that can save you big bucks! The discount amount varies per insurance company, and not every insurer offers it, so check with your agent. Typically, completion of the safety course will qualify for about a 10% discount off your autos. Best of all, the course should cost you around $20 to complete, and the discount stays active for 3 years. It’s really a no brainer and will save you a ton of money in the long run.

Check out any of the following links for state approved vendors, then get a copy of your certificate and send it to your insurance agent. Simple as that!

http://www.drivingschoolus.com/ ($19.95 and offers online)

https://www.dmv.ca.gov/portal/dmv/?1dmy&urile=wcm:path:/dmv_content_en/dmv/vehindustry/ol/md_programs (list of state approved vendors)

https://www.aarpdriversafety.org/ (another solid option. Classroom and online versions)

 

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