Happy 4th of July from Gunning and Associates Insurance Services

Happy 4th of July from Gunning and Associates Insurance Services !!

Top 10 Summertime Accidents

Top 10 Summertime Accidents:

1. Car accidents: More teenagers are killed in motor-vehicle accidents between Memorial Day and Labor Day than at any other time of year. If your teen is licensed, don't let that carefree summer attitude spill into his or her driving habits. Review safe driving rules, don't allow your teen to drive with too many passengers, and limit trips to only the essentials.
2. Heat stroke: Being active or just spending too much time under the hot summer sun can cause your body to overheat, leading to a serious condition called heat stroke. Signs of heat stroke include confusion, headache, nausea, and vomiting. If you plan to spend a lot of time outdoors, make sure to stay hydrated, take breaks, and wear loose fitting clothing to allow your body to cool properly.
3. Water accidents: It's not surprising that the rate of drowning and boating accidents spike in the summer. Don't let kids play in the water unattended, and make sure young children and adults wear life jackets while boating or swimming in the lake or ocean.
4. Bike crashes: Whether you're riding a motor or manual, bike accidents can be dangerous and sometimes deadly. Always wear a helmet when riding bikes or motorcycles, and be sure that your kids wear them, too.
5. Sunburns: A long day in the sun can cause burn injuries severe enough to warrant medical treatment, and also increases your risk of skin cancer. Stay safe by wearing adequate sunscreen and protective clothing, and hang out in the shade whenever possible.
6. Food poisoning: Warmer weather combined with more opportunities for outside dining is a recipe for foodborne illness. Store meat, fish, and poultry separately from fresh and non-perishable foods. Keep all perishables at appropriate temperatures, and always use a meat thermometer when cooking outdoors. If there is any indication your food may be contaminated, don't think twice: toss it.
7. Playground mishaps: Playgrounds get more use in the summer months, and they also send many kids to the emergency room. Most playground injuries occur on public playground equipment, so make sure the playgrounds your children use are safe, and never let them use equipment unsupervised.
8. Bug bites: Mosquitoes, bees, ticks and other insects are out in full force during the summer, increasing the chance of bites, stings, and allergic reactions. Always wear protective clothing when recreating outdoors, apply insect repellent and, if you're allergic, keep antidote medicine close at hand.
9. Fireworks: Fireworks injure thousands of people each year, and approximately one quarter of those are under the age of 15. In addition, the misuse of fireworks causes over 15,000 fires every year. Use fireworks carefully and responsibly, and always have a safety plan.
10. Pet hazards: Don't forget our furry friends. In summer, dogs and cats are at an increased risk for many of the same dangers as humans: ticks and bug bites, heat stroke, getting hit by a car, or being poisoned as the result of eating dangerous foods. Never leave your pet unattended or off leash, and make sure she is getting adequate food, water and care.

For any insurance questions, call or contact DeFranco Insurance today.

Using The Same Company For All Your Family Insurances

Drop Your Overall Insurance Costs

In the market for both a home owner insurance quote and a car insurance quote? Consider getting both quotes from the same insurance company.

You'll most likely have the same agent. Getting the same insurance agent for your home owner insurance policy and your car insurance policy means you'll only have to do direct business with one person. Plus, this person will know everything about both your home owner insurance policy and your car insurance policy. If you have a question about your car insurance policy, or you call to make additions or subtractions to your home owner insurance policy, your insurance agent will be able to remind you that it's also time to renew the other policy.

You'll be familiar with the company. Being familiar with an insurance company, the way in which they do business, their policies, and their procedures is more beneficial than you realize. There are usually no surprises when you're familiar with the insurance company. Some insurance companies even offer discounts to policyholders who have been with their company for a certain period of time.

You'll save money. Most insurance companies offer discounts if you purchase more than one kind of insurance policy from their company. Who couldn't stand to save a bit of money, especially when it comes to insurance costs?

If you're looking for a car insurance quote and already have home owner insurance, check with your home owner insurance company about purchasing getting a car insurance policy quote from them, too. The same applies if you're looking for a home owner insurance policy quote. If you already have both kinds of insurance policies from different companies? Ask each company for a home owner insurance quote and car insurance quote, and then choose the best deal. And remember-- always ask about the discounts you can get for a home owner insurance quote and a car insurance quote from the same company!

Auto Insurance FAQ's

Auto Insurance FAQ's

Those who are shopping around for auto insurance may know that they want to lower their premium, but they may not be aware what taking lower coverage can open them up to. When shopping around for Seattle insurance, always make sure that each quote offers the same amount of coverage. Having inadequate coverage for the car or for liability can open up drivers to losing their assets in the case of a serious accident.

In many cases, it is easy to get a cheap quote. However, shoppers may not realize that these quotes come with high deductibles and low limits of liability. Those who want to make sure that their assets are safe need higher liability limits, so that if they are taken to court as a results of an accident, they are covered. Gunning and Associates can ask people specific questions to ensure that they are covered to exactly the extent that they need.

Seattle insurance help will ask people questions about their entire household to get a good picture of their insurance needs, and create quotes to best fit them. It is important to always have insurance, as the longer one goes without it, the more difficult it may to get it in the future. Also, the kinds of claims that drivers make can have an impact on the Seattle insurance rates, so keep that in mind while shopping around.

Those who are shopping around should also make sure that they ask what each coverage is for, and ask questions of their representative. These professionals are happy to explain what each coverage does, and how this impacts the price. Many aren't aware that the price that they pay for insurance can be impacted by not only their driving record or the kind of car that they drive, but also their zip code and history with other insurance companies. Gunning and Associates can walk people through a quote and help them to get the Seattle insurance help that they need.

Why insurance is so important

We usually think of insurance for our health or our vehicles, but other things are insured every day. There are several other different types of personal and business insurance. As independent insurance agents, Gunning and Associates gives you whatever Seattle insurance help you need.

A good example of why you need insurance is in the Washington minimum liability insurance law. If you want to drive on Washington Roadways, you're required to carry a minumum of $25,000 of liability coverage, $50,000 per occurrence, and $10,000 in property damage coverage. Just to drive is one reason to have insurance. Another reason is to protect yourself from personal liability. Gunning and Associates wants to see you protected from that personal exposure. Minimum liability insurance just isn't enough, and that's where we give you Seattle insurance help. If you cause $100,000 of damage to a person, you're going to be on the hook for that $75,000 over and above your policy limits. You don't want to see that happen.

We all know there are thousands of uninsured drivers on the roads. To protect you and your family from uninsured drivers, Gunning & Associates Insurance, insurance agency will offer you both uninsured and underinsured motorist coverage at a cost that's just a fraction of your liability coverage.

For your Seattle insurance needs, we offer auto, home, life and business insurance along with boat and RV protection, landlord insurance and umbrella coverage to protect against any really big liability claims that might arise. Because we're independent insurance agents, we're not married to any one of the "big three" insurers. We offer you choices from a variety of established and well funded insurance companies. Those choices include who will insure you, what coverage you'll get and how your premiums will be paid. Agents for the mega insurers can't do that. They're not permitted to.

When you think of all of your Seattle insurance needs, think of us at Gunning and Associates for Seattle insurance help. Don't hesitate to contact us. We're pleased to take the time to talk with you. 

Best Life insurance Company in Seattle

In the past, insurance is has never been discussed and has never been prioritized by most people. It is because most people do not know the importance of the benefits of having your own life insurance. Even in the modern times, people would turn their heads away from the most important things that would help them in their life In this article, you will learn about why you should have yourself a top life insurance company in Seattle. In this article, you will learn about what insurance is all about.

Life insurance is all about being prepared for the future. The fact that we do not really know what might happen in the future gives us the reason why we should all be prepared. Having a life insurance gives you an edge over all other people who do not have life insurance. A prepared person is always ready for the unexpected and would know what to do to any situation and can easily adjust to the kind of environment the person is in. Being prepared can reduce stress, anxiety and would avoid complications for the future. Life insurance will keep you organize when something unexpected happens. Well I hope you understand the importance to why you should have yourself a life insurance. Another thing is you should be wise in picking the right life insurance company that would meet your expectations and would give the things that you needed. A top life insurance company in Seattle is all what you needed. The life insurance company in Seattle favors persons who are alone in life and does not have any family. They have great services towards people who are living alone. The funeral and the other things would be taken care of by the life insurance.

Other than that. Life insurance also has its services for people who have families, loved ones etc. A good example to why life insurance is a need is when a person has been involved in an accident, the injuries and the damages that the person has caused will be taken care of by the life insurance. Life insurance also covers the important expenses of your children. Life insurance is at its best when you are retired from work and is already old. After you have paid your grown life insurance. This time you will acquire the full service of the top life insurance company in Seattle. 

Mistakes to Avoid When Obtaining Business Insurance

When one is a business owner, it is of course vital to get insurance for your business. Inadequate insurance coverage or not having insurance coverage at all is terrifying and could bring your business downhill anytime. Huge costs for the consequences of having no insurance will damage your business and the worst case would be not being able to go back up. It you are having business in Seattle, then you will need to apply for seattle business insurance.

Getting important things such as commercial liability insurance is very important in the world of business since it prevents any damaging costs during crisis, smart business people knows just as it is. Avoiding the pitfalls is one of the things to be considered when obtaining an insurance policy. this saves you of the hassles and makes you none the wiser with your business. One of the bad moves that business owners do when getting business insurance is trying to deal a discount since they think that having this is too costly and the necessity isn't that great. Some would think that being covered by their own insurance policy like a life insurance or other insurance type would suffice but it actually doesn't. When someone owns a business, having a specific insurance policy for that business is a must. Like taking in general commercial liability, this is a great protection against costs of lawsuits from any event of damage done to people and property because of your business be it unintentionally. Not having an insurance coverage as this would bring very huge costs to your business not to mention the damage it does to your reputation. Another common mistake is not having a care on getting the right information and the basics. Getting the right insurance policy is important. The policy should cover and protect your assets once they get damaged or stolen as well as disaster protection but as you should know, these aren't the only things that could cost your business. Know other risks that could bring harm to your business, get knowledgeable. 

Not having the right insurance provider is another no no. Make sure that the insurance provider that you’re getting specializes in businesses like the seattle business insurance. It is important to have a provider that is experience with handling insurance issues with businesses that they’ll handle yours expertly.