http://web.me.com/agentcontact/ACW/JulyLifWiz.html
SlowDownAlaska.org
This is a great site with tons of neat tips, quiz, Teen Driving Contract and advice.
One very important tip: The state of Alaska requires but “50/100” of liability insurance (AS 28.20.440 & AS 28.22.101). That means your insurer will pay “$50,000 per person, up to $100,000 per wreck.” This is far too little. It won’t even cover the first week’s stay in the hospital, much less the lifetime of pain you can cause by a single, inadvertent mistake.
http://www.slowdownalaska.org/
Auto Rental Collision Damage Waiver- WHAT IT REALLY COVERS
Know what is and isn’t covered when renting a rental car, RV, motorcycle etc. Call the office to find out if you are covered. Below is the actual fine print in a Signature Visa Credit Card agreement. In short.. if you’re auto insurance doesn’t fully cover the rental car, it may save a lot of heart ache later to just buy the insurance at the rental counter.
What is this benefit?
When certain terms and conditions are met, the Visa Auto Rental Collision Damage Waiver benefit ("Auto Rental CDW") provides—at no additional charge—reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. In your country of residence, this benefit is supplemental to, and excess of, any valid and collectible insurance from any other source. We will reimburse only for that damage or theft not payable by any other party.
IMPORTANT!
What is not covered?
• Any obligation you assume under any agreement (other than the deductible under your personal auto policy).
• Any violation of the auto rental agreement or this benefit.
• Injury of anyone or damage to anything inside or outside the rental vehicle.
• Loss or theft of personal belongings.
• Personal liability.
• Expenses assumed, waived, or paid by the rental agency or its insurer.
• Cost of any insurance or collision damage waiver offered by or purchased through the auto rental company.
• Depreciation of the rental vehicle caused by loss or damage including, but not limited to "diminished value."
• Expenses reimbursable by your insurer, employer, or employer’s insurance.
• Loss due to intentional acts, or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to contraband or illegal activities.
• Wear and tear, gradual deterioration, or mechanical breakdown.
• Items not installed by the original manufacturer.
• Loss due to off-road operation of the rental vehicle.
• Loss due to hostility of any kind (including, but not limited to, war, invasion, rebellion, or insurrection).
• Confiscation by authorities.
• Vehicles that do not meet the definition of covered vehicles.
• Rental periods that either exceed or are intended to exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of residence.
• Leases and mini leases.
• Loss or damage as a result of the cardholder’s lack of reasonable care in protecting the rental vehicle before and after damage occurs (for example, leaving the vehicle running and unattended).
• Losses reported more than forty-five (45) days* from the date of loss.
• Losses for which a claim form has not been received within ninety (90) days* from the date of loss.
• Losses for which all required documentation has not been received within 365 days from the date of loss.
• Losses from rental transactions which originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland.
• What types of rental vehicles are not covered?
• Excluded worldwide are: expensive, exotic, and antique automobiles; certain vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles.
Examples of excluded expensive or exotic automobiles are the Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce. However, selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln are covered.
An antique automobile is defined as any vehicle over twenty (20) years old or any vehicle that has not been manufactured for ten (10) years or more.
This benefit is provided for only those vans manufactured and designed to transport a maximum of eight (8) people and which is used exclusively to transport people.
For more information http://usa.visa.com/personal/cards/benefits/bft_dmg_waiver_personal.html
Energy Rebates, Loans & Weatherization Programs
There are several programs offering rebates, be sure to enroll if you qualify for any of them, there's a huge waiting list and there was a notice posted that many didn't follow through with the paperwork so there are still monies available!
Website <<< click
Business planning Customer Appreciation event
Own a business?? New or Old?
We are having a customer appreciation event with a speaker that will help answer some common business questions: How to keep your employee’s and protect yourself and many more!
Fairbanks Thursday at 6pm.
A great chance to network and look at what other businesses are doing to protect themselves and keep their employees.
Seating is very limited; please call with more details, location etc 451-7733 or 488-7033
NEW FULL PAY DISCOUNT!!
Effective today all new auto policies and some current policies have a new 12% discount available. This is HUGE! Save 12% if you pay your auto insurance in FULL before your renewal date and save! After lots of work we have this discount and looking for more so stay tuned!
Free Bumper stickers
We have three new bumper stickers available, all motorcycle themed, call or email katherinehood@allstate.com if you want us to mail one of the above.
Update on Flood Insurance "hiatus"
As you probably know, the National Flood Insurance Program (NFIP) expired on midnight May 31, 2010 and has not been reauthorized by Congress. Consequently, the Program is experiencing a hiatus – a period without authority to:
- Issue new policies for which application and premium payment dates are on or after June 1, 2010, or
- Issue increased coverage on existing policies for which endorsement and premium payment dates are on or after June 1, 2010, or
- Issue renewal policies for which the renewal premium is received by the company on or after June 1, 2010, and after the end of the 30-day renewal grace period,
until Congress reauthorizes the Program.
While awaiting Congressional reauthorization, FEMA is issuing the guidance below. For the most up-to-date information on the status of the NFIP please visit http://www.fema.gov/business/nfip/nfip-reauth.shtm or call the FEMA News Desk at 202-646-3272.
Rental covered in Canada and/or Mexico?
If you have an active auto policy with Liability through Hood Agency (Alaska policy) your policy states the scope of its coverage as limited to "accidents and occurrences within the United States of America, its territories or possessions or Canada, or between their ports."
For travel into Mexico, you would need to add the Limited Mexico Endorsement, which states, "This coverage applies only while the insured auto is within 75 miles of the United States border and only for a period not to exceed ten days after each separate entry into the Republic of Mexico." (other policy terms and conditions apply)
The Motor home and Motorcycle policies have the Mexico coverage written into them and it states the same as the auto endorsement as far as distance and time frame.
Note: Motor vehicle accidents in Mexico are subject to the laws of Mexico, NOT the United States. In some cases, part or all of the policy may NOT be recognized by Mexican authorities. You should consider purchasing coverage from a licensed Mexican insurance company.
For more info call the office, we also have discounts on all major rental car companies.
Facts about Distracted Driving
- Distracted driving is the number one killer of American teens. Alcohol-related accidents among teens have dropped. But teenage traffic fatalities have remained unchanged, because distracted driving is on the rise. (Children's Hospital of Philadelphia and State Farm Insurance Study and NHTSA Study)
- While over 90% of teen drivers say they don't drink and drive, nine out of 10 say they've seen passengers distracting the driver, or drivers using cell phones. (National Teen Driver Survey)
Working on ways to save more money
If you could save 12% on your auto insurance, simply by paying your six month premiums in full a day or more before your renewal, would you do it?
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