USA Flag

5 Safety Tips For The 4th of July

  • Make sure you read the safety warnings on all fireworks. The materials and function can change from year to year.
  • Never try to relight duds, and give them plenty of time before touching them. A spark can still be lit for up to 20 minutes.
  • Always have a bucket of water nearby
  • Make sure a parent is supervising any children or teens
  • If you’re leaving your house and drinking, make sure to have a designated driver. You can get a DUI on a car, motorcycle, bicycle, kayak, boat, or a scooter.

Have a great 4th of July!

 

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Bike

What To Do Before Your Bike Gets Stolen

There’s a great article in the Santa Cruz Good Times paper this week (June 26’th edition) about bike theft and recovery efforts in Santa Cruz. The article mentions that through May 2013 there have been 219 bikes reported stolen in the city of Santa Cruz (66 in May alone!), with a total value of nearly $190,000. Most of them never make it back to their original owner because the serial numbers were undocumented.

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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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