Monday, October 28, 2013

Towing & Roadside Assistance

Help is just a call away

If you need immediate roadside assistance

1 (800) Farm-Tow

Just sign and drive

For reasonable and necessary services up to $150, sign and you’re on your way.*

With HelpPoint Roadside Assistance coverage, you just need to make one call to get back on the road. With more than 20,000 towing and road service facilities and 10,000 professional locksmiths, our dispatch service will send the nearest professional to you.

Offering services you can count on:

Emergency towing - coverage of up to $150*
Dead battery/jump-start
Flat tire change
Lockout entry assistance – if your keys are lost, broken or locked inside
Roadside winching – if your car is stuck in the mud, snow, ice, or by the
side (within 10 feet) of a public paved road
Emergency roadside connect – Access police, fire and medical
assistance

* Coverage up to $150 per incident (see your agent in TX, VA and NC for program limits). If cost of service exceeds your program limit, you may submit reasonable and necessary towing and labor invoice for possible reimbursement. Not available with all Companies and in all areas. Sign and Drive coverage is extended to Farmers policyholders only. If you are a Bristol West policyholder, please see your agent or broker for coverage details.

Services are provided by and/or through our Roadside Assistance Program Vendors.

Selecting Your Own Service Provider

You may also contact the service provider of your choice, pay the bill and submit
for reimbursement.

If you are seeking reimbursement for roadside assistance costs already incurred, please call us to report the claim:

Then, send us an itemized receipt with the following information on all documents:
- your name
- policy number AND claim number
- phone number
- date of service
Email: ClaimsDocuments@hpcs.com
FAX: (877) 217-1389
You may also provide your claim information and receipts to your agent’s office for handling for online processing and 1 business day review. Please contact your local agent for assistance.

CORWIN-REY INSURANCE AGENCY

“Local agents helping Local People”

360-414-8754 or 360-736-8090

http://www.farmersagent.com/rcorwinrey

http://corwinreyinsuranceagency.blogspot.com/

www.facebook.com/CorwinReyInsuranceAgency

https://twitter.com/ReneeCorwinRey

http://pinterest.com/tjroses3/i-love-my-job-corwin-rey-insurance-agency

Monday, October 21, 2013

When accidents happen
Be smart with your smartphone

Nowadays many of us have smartphones (or photo-capable cellphones) and have them at hand most if not all of the time. So it’s not surprising that an increasing number of insureds are submitting auto accident notifications to their insurance companies with at-the-scene photographs of vehicle damage. If you don’t have a smartphone (or photo-capable cellphone) keep a disposable camera in your glove box or console — be prepared for the unexpected.
Real-time photos
Insurance companies typically do an in-depth analysis of an accident which requires photos that balance detail and context. For instance, a close-up photo of a damaged fender is necessary but to provide context, an additional wider-angle shot may help determine the angle of impact and the scope of the damage. Here’s some guidance that may help make you smarter about on-the-scene photos so your information may be more useful:

Establish boundaries of crash scene and impact zone. Make sure to photograph every vehicle involved from all angles and the relative position of each to other vehicles. This helps to establish the boundaries of the crash scene and the impact zone.
Broaden the view to include street layout, landmarks, traffic controls, and signage. Try to include pictures that show the vehicle’s position relative to its closest landmark. Details that include these fixed objects can help investigators reconstruct accident events accurately.
Focus on the damage sustained by all the vehicles. Take close-up photos of the damage and broader views for context.
Take shots of the vehicles’ identifying features. Capture license plates, VIN numbers and any other unique, identifying features.
Document roadside debris, strewn vehicle parts and so on. Try to show the relationship of the vehicle(s) to the debris depicted in the image.

Care for those needing medical help first
Most importantly, call 911 immediately if anyone needs medical attention. Take care of safety concerns before worrying about photography. If and when you begin taking photos, be respectful of the privacy rights of others and take care not to share your images on social media sites.

Here is the link to report a claim with Farmers.

http://www.farmers.com/claims/

Also upload the Farmers

We are always here if you have any questions about
an accident or how the process works.

CORWIN-REY INSURANCE AGENCY

“Local agents helping Local People”

360-414-8754 or 360-736-8090

http://www.farmersagent.com/rcorwinrey

http://corwinreyinsuranceagency.blogspot.com/

www.facebook.com/CorwinReyInsuranceAgency

https://twitter.com/ReneeCorwinRey

http://pinterest.com/tjroses3/i-love-my-job-corwin-rey-insurance-agency

Thursday, October 17, 2013

Your will is a living document

A work in progress

Life is never at a standstill — it’s ever-changing and so are your circumstances. As they change, your planning needs may as well. Don’t make the mistake of putting your will away and forgetting about it. Take a look at some major life events that should trigger a review of your will:

You get married or divorced — If recently married, you probably want to include your new spouse in your estate plan. Similarly, if you’ve been recently divorced, you may want to revise what you planned on leaving to your now ex-spouse. You should also change the beneficiary designation on insurance policies, IRAs, pensions and such since those probably specify your now ex-spouse.
You become a parent — How will your child(ren) be cared for if both you and your spouse die? Who will be the guardian of your minor child(ren)? These issues need to be addressed in your will.
You retire — If you retire to another state (or move to a new state, for that matter), review your will and other estate planning documents to be sure they reflect the new state’s relevant laws. You may want to seek legal advice.

Your spouse or other beneficiary dies — If one of your heirs dies before you do, you need to update your will to reflect a new recipient.

How do you change a will?
You can change your will in one of two ways:

By codicil — For small changes, you can utilize a codicil. A codicil is a separate document that’s valid under applicable state law. It adds to or amends your original will. A codicil needs to clearly reference the specific portion of your will that it’s amending so you may want to consider legal counsel.¹

A new will — For bigger changes or a series of small changes, you can sign a completely new will that’s valid under applicable state law. Your new will supersedes your old will in its entirety. Again, you may want to seek legal counsel.

We believe in smart
Make sure your will reflects your current situation. If you need to change your will because of a life event, you probably should review your estate and financial plans, as well as your insurance. If you don’t have a will consider getting one to make sure your wishes are carried out as you intended. We believe in smart and want to help you get smarter about planning — the more you know, the better you can prepare for the future. I can help— let’s have a conversation