Dog Attacks

What if someone has an accident on my property or my pet bites someone?

The Insurance Institute estimates that up to one-third of homeowner liability claims are for dog attacks. 

What to do:

• Make sure the injured person gets prompt medical attention.
• Exchange names, addresses, and phone numbers.
• Tell the person who was bitten to save medical receipts. Assure them that your Farmers agent will contact them.
• Call your Farmers agent. Provide the information about the incident, the name and phone number of the victim and have your policy number on hand.
• Report the dog bite to your local animal control center.
• At the moment of crisis call HelpPoint® Claim Services at 1-800-435-7764 for assistance when you need it most.

If you own a dog:

• Spay or neuter your dog to reduce aggressive tendencies.
• Never leave infants or young children alone with the dog.
• Do not play aggressive games, like wrestling, with your dog.
• Teach children basic safety guidelines around the dog and review them frequently.

If you are threatened by a dog:

• Remain motionless. Do not run or scream.
• If knocked down by the dog, lie still, cover your face and neck and remain in a ball.
• If bitten by the dog, immediately report the bite.
• Report stray dogs or dogs showing unusual behavior to your local animal control center. 

“Local agents helping Local People”

360-414-8754 or 360-736-8090
Serving Washington, Oregon & Idado

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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.

1. If you are seeking reimbursement for roadside assistance costs already incurred, please call us to report the claim: 
Phone: (800) 435-7764

2. 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
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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

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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

¹Source: http://estate.findlaw.com/wills/changing-a-will.html

CORWIN-REY INSURANCE AGENCY

“Local agents helping Local People”

360-414-8754 or 360-736-8090

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Storm Preparation-

It's important to have a family emergency plan in place for flooding or any other natural or man-made disaster. This plan is a pre-determined set of action steps that you will take during a disastrous event. We never know if or when a disaster will strike, but preparing in advance increases our safety and lessens our anxieties during an emergency.

An important part of preparing for floods is putting together an emergency flood kit - one that is portable so you can take it with you if directed to evacuate. Your emergency flood kit should contain essential supplies for a minimum of three days.

Emergency Flood Kit Checklist-
-battery or crank-operated radio and batteries
-first aid kit/supplies
-prescription medicine
-a whistle
-copies of important documents in a plastic bag (driver's license, insurance and bank/credit card information, family and other contact information)
-flashlight with extra batteries
-3-day supply of non-perishable food and water
-warm clothing, sturdy shoes/boots and blankets
-personal hygiene and sanitation supplies
-comfort items for children (books, games and toys)

If you need to report a claim call our HelpPoint Claims Dept. 

You can also call us to talk about your damages. 

360-414-8754 or 360-736-8090

STAY DRY AND MOST OF ALL BE SAFE!!!!

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Yesenia, CSR - Commerical Lines

She is in our Centralia office. 

She is fluent in both English and Spanish and services both 

Centralia and Longview for our Commercial Businesses.

Also be sure to check out everything new we have

on our Farmers agent page.

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Stop them in their tracks...

Easy ways to make it harder for burglars

You’ve probably seen the clever TV ads featuring Professor Burke as he educates customers on the finer points of insurance and offers informative risk-prevention tips. In one ad, Burke asks: What if you didn’t know that boxes by the curb make you a target for thieves? Burke and a customer walk by a home with expensive electronics boxes by the curb. The home’s door is open and we see a burglar walk out with an expensive flat screen TV followed by another wearing 3D glasses.
If you’ve ever been burglarized however, you know what an awful feeling it is to have your home violated and to lose your personal property. Unfortunately, burglary is the crime of choice for many criminals but for a minimal investment, you may be able to make your home potentially less appealing to burglars.

• Trim your shrubs — Don’t offer unwanted intruders a safe place to hide, albeit unwittingly. Make sure your home’s windows, porches and doors are visible to neighbors and passersby and not shrouded by vegetation.
• Close the blinds, shutters or shades — Burglary is often a crime of opportunity — if you don’t offer one, burglars will typically move on. Closing shades, blinds and the like may help to prevent burglars from window shopping at your place.
• Install motion sensors and use them — Dark or poorly illuminated areas make it easier for a burglar to move about unseen. Motion-sensing security lights are fairly inexpensive and readily available at home improvement stores. They are activated when motion is detected and the sudden change from darkness to bright light will typically startle intruders and may provide a visual alert to you and your neighbors.
• Use indoor timers to control lighting — Timers hooked up to indoor lights and TVs that switch on when it gets dark make it appear as if someone is home and may serve as a deterrent to thieves.
• Install deadbolts — Consider installing a deadbolt on every exterior door; the bolt should have a throw of at least one inch.
• Don’t post your travel plans or whereabouts on social media sites — Sharing your vacation plans and checking in can be fun, but doing so is a public declaration of your whereabouts and a potential invitation to thieves.

Use common sense
Always lock all your doors and windows whenever you leave your home — even if you’re just running out for a few minutes. It’s a simple and smart thing to do. At Farmers, we make you smarter about insurance — because as Professor Burke will tell you, when it comes to insurance, what you don’t know can hurt you.

“Local agents helping Local People”

360-414-8754 or 360-736-8090
Proudly Servicing Washington, Oregon & Idaho

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