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. 

Happy Holidays !!!

Happy Thanksgiving From Gunning Insurance

Gunning and Associates Family Insurance

Happy Holidays From Gunning and Associates !!!!

Happy Thanksgiving !!!!

Insurance Tips and Information

Whether you are seeking health insurance through your employer or on your own you will be offered a variety of plans. In order to make the proper decision about which plan is right for you it is important to know the basic characteristics of the most popular types of health insurance. After this it is wise to get many quotes on health insurance and compare them. This is a free way to compare plans and prices.

Article Body:
Whether you are seeking health insurance through your employer or on your own you will be offered a variety of plans. In order to make the proper decision about which plan is right for you it is important to know the basic characteristics of the most popular types of health insurance. After this it is wise to get many quotes on health insurance and compare them. This is a free way to compare plans and prices.

Fee for service

For many years the fee for service plan was very popular and widely used type of health insurance. The insured pays a monthly fee. A deductible is applied to the cost of the services. Some services related to healthy living or emergency services may be exempted from the deductible. Once the deductible has been met the insured and the insurance company share the cost of services. For most companies the split may be 80/20 or 70/30. The company pays eighty or seventy percent, the insured pays twenty or thirty percent. There will be a cap on the total amount of money the insurance company will pay in a lifetime.

Health Maintenance Organization (HMO)

HMOs have become increasingly more common in the last decade. Again, the insured pays a premium which makes him/her a member of the HMO. As a member of the group the member is entitled to visit any of the doctors who are part of the group. These doctors may all work together in an HMO facility or may work in individual clinics as part of a group of doctors under contract to the HMO. Members may have to pay what is called co-pay when they visit the doctor. No paperwork is necessary to validate the claims of an HMO member; however, members may wait longer for non-emergency appointments than they would with a fee for service insurance program. An HMO generally requires its members to have a primary care physician who then refers the member to a specialist if needed.

Preferred Provide Organizations (PPO)

The PPO, a blend of the fee for service model and the HMO model, is a fast growing sector of health insurance. As with an HMO there is a network of doctors from which the insured chooses his/her physician. This physician is responsible for designating the need for specialized care. A co-payment will be required when an office or hospital visit is made. There will also be a deductible and medical expenses will be divided at an agreed upon scale between the insured and the insurance company operating the PPO. A person may choose to use a doctor who is outside of the network. Expenses incurred for medical care outside the network will make the patient’s share higher.

Protection for Your Retirement

Provided that you are like me, its not difficult to get tired of continually paying protection premiums.  Writing a month to month check for auto protection alone will make you insane.  also the immediate withdrawals from your paycheck for health protection and the hit to your contract for property holders protection and you have a great deal of cash going out the window to pay for debacles that may not even happen.

At the same time if those calamities do happen, you will be exceptionally happy you had protection.  But there is one huge life occasion that is nearing that you need to do whatever you can to get ready for monetarily and that is seniority and retirement.  While there is no maturity protection, you will find as you do your retirement arranging that there are some extremely significant protection strategies that are completely discriminating to a retirement life that is charming, safe and ready for.

We might consider disaster protection as a component of retirement arranging.  After all, the profits of extra security, at any rate on the surface are for the individuals who survive you after your demise, which doesn't do you a mess of great when you are existing and relaxing.  But you can put resources into disaster protection that additionally serves as an enduring speculation simultaneously.  These strategies, which are some of the time called entire life permit the stores you put into be contributed and to raise a money quality that you can take advantage of you resign.

So you might need to convey $100,000 protection when you are in the working scene, paying a contract and attempting to get the youngsters through school.  But assuming that you can then hit retirement, take advantage of venture quality of that protection and go through your resplendent years with simply enough protection to blanket some insurance for your companion and burial service costs that is an improved approach to form your protection programs.

An alternate layer of protection that a ton of individuals are exploiting is Medicare supplement protection.  Medicare is an extraordinary program that profits a great deal of individuals.  But Medicare can just go in this way.  Those silly plugs for Medicare supplement protection are goofy yet they are on focus on that you have to have an alternate security net in the occasion you end up requiring more broad therapeutic scope than Medicare can furnish. Provided that you sat down for a bit to set up this sort of protection promptly in your retirement arranging, it will pay you big time when the need is there throughout your brilliant years.

A level of protection that might be one of the grandest gifts provided that you come to be sick in your elderly years is in home health awareness protection.  Many times ailments that you continue because of maturity are not the sort of thing you might need to traverse in a costly healing facility room.  You will recoup all the more rapidly in your home yet you still require somebody to determine you get your prescriptions, deal with the small life portions that you can't have a tendency to when you are crudely and be there assuming that you get ugly.

This is the place the forethought of an in home nurturing administration could be profitable.  This protection can empower you to have mind with you right in your home which will give you the forethought you require and take a considerable measure of stress and work off of your gang.  And since all senior natives require medicinal forethought sometime or another in their retirement life, in home health awareness protection is an unquestionable requirement.

By setting up these distinctive specific protection approaches early enough in your working life, you can get some worth into them when the time aims to get you to resign.  Then you would you be able to enter retirement with trust knowing you have approaches with dependable protection suppliers to deal with the requirements that you hope to come up throughout your brilliant year

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Gunning Insurance Overview Pages

Purchasing Seattle Auto Insurance

Auto insurance refers to the insurance that is common for insuring all types of vehicles against all kinds of uncertainties that may cause bodily damage to the vehicle. The sole reason behind insuring the vehicles is that it gives protection against the losses incurred due to accidents. Auto insurance is available for consumers who want to buy such insurance, to protect the life span of their vehicles and also for recovering the amount of the damage that the vehicle survives. People usually buy these insurances for all kind of automobiles like cars, trucks and other kind of vehicles, to avoid any risk. Different kinds of coverages have been started by the insurance companies, to suit the interests and the needs of the insured.
Before buying auto insurance, it is very important that the person goes for a thorough analysis of the proposals offered by different companies for such insurances. Different companies offer different quotes for the insurance of the vehicle, the consumer must look out for the best one, which suits his needs and which proves to be very economical. Many companies also give different discount schemes to attract more and more consumers. The consumer can save a good deal, while purchasing auto insurance by comparing the quotes of different companies and choosing the cheapest one which satisfies all his needs.
Quotes from different companies can be compared on the internet, for buying the best available auto insurance, it provides a wider platform to the consumer, where he can easily access and compare quotes from several companies and choose one among them. The main thing about choosing a quote is that the quote need not necessarily be cheap but the company must be an established one on which the customer zeros on.
The consumer should not only compare the quotes of different companies but also companies, their reputation and their way of service. While comparing, the consumer is more acquainted with the different kind of coverages that are available and choose among them according to the needs.
The major hullabaloo about insuring automobiles is the increasing reckless accidents that are tolling high on the records. These can only be reduced once the certainty of the accidents is reduced. The companies quote their prices for insuring depends of various factors like the age of person to whom the vehicle belongs, the location where the car is bought and supposed to be used in the area and also many other factors. The details regarding the car like its parking place, whether it has a garage because that reduces the risk of being stolen or damaged. Also the mileage of the car is a deciding factor of the quoting the price of insurance.