If a bird this size hits your window then what happens??

If a bird this size hits your window it may or may not be covered unless you have the "Jurassic Park Waiver"...just teasing!                  
However, if a rock hits your windshield we have a coverage that offers $0 out of pocket for glass repair/replacement.  From the DMV.com; the Windshield claims apply to broken, cracked, or chipped windshields. In order to get your car insurance to pay for broken or cracked glass repair, you'll need the right coverage.
If you carry comprehensive insurance, you can file a windshield claim to cover the repair costs (after you've paid your deductible). Your deductible is the amount of money you are required to pay your insurance company before they'll pay out on your claim.


Depending upon your state and your car insurance company, you might also have an optional glass coverage that will pay for your windshield repair without requiring payment of a deductible. Speak with your auto insurance agent to find out if this is an option. 


Should I File a Windshield Claim?
If you have comprehensive coverage, or a specific glass coverage option, you can file a claim to cover your windshield repair cost.
However, before filing a claim, you should carefully weigh the following questions:
How high is your insurance deductible?
What is the repair cost for your chipped or cracked windshield?Will your car insurance premium increase if you submit a claim?
• Depending on the answers to the questions above, you might decide that the costs outweigh the benefits of filing a claim.
  Any claim, regardless of the cost, may cause your premiums to jump. In insurance circles, this is referred to as a surcharge.
  If your deductible is high and/or your repair costs are relatively low, you might wish to pay out of pocket in order to avoid adding a claim to your car insurance history.
  

  

  Required Information for Windshield Claims

  When you're preparing to submit a claim to get your broken or chipped windshield repaired, you'll need to provide some basic information:
  

  • VIN.
  • Policy number.
  • Vehicle make, model, and year.
  • Details regarding the damage.
  • Personal info such as your name and date of birth.

  Making sure you have your information ready ahead of time will ensure that your claims process goes as smoothly as possible. Continue reading to learn the steps to filing your glass claim.                                                                                                                                                            Please call April Schaffroth's Farmers Insurance office today to make sure you have the coverage you need! Call 602-297-5155 or visit us at www.insuranceinaz.com
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Summertime and Life Insurance is easy....

Summertime and life insurance is easy... So easy, we put it in a song for you.   The best time to buy life insurance is today, you never know what the tomorrow brings.
                              From Farmers Insurance.com: Getting Started With Life      Insurance

Life insurance is a great way to prepare for life’s unexpected moments. Like most of us, you probably worry about the future; can we pay off the house, will my kids get a good education, will they grow up healthy and happy?
With Life insurance, you can know that no matter what tomorrow may bring, your family’s financial future is ensured.
How do you get started though?   Understanding Life Insurance

• Interested in protecting your loved ones, but not sure where to begin? 
• What types of coverage are available?
• How do I talk to my family and my agent about Life insurance?
• How much coverage do I need?
• With Farmers we’ll help you understand:When is the best time to apply for Life insurance?

                                                                                                                                                                                                                                                                                                                                                                                                          Check out our video at https://youtu.be/2Ghe9s96ks4.    


Call April Schaffroth Farmers Agency at 602-297-5155!      


                                                                                                      www.insuranceinaz.com     

Does your Business Insurance have holes like a donut?

Road Trip Tuesday: We took our road trip today with quality assurance in mind.                                                        Check out our picture at Desert Donuts. Don't you think we look thinner :))                                                                                 Did you know we can insure Bakeries, Donut Shops, Coffee Shops and more?? 


Most bakeries got their start after years of perfecting recipes and testing breads and desserts on their families and friends before finally taking the dive and opening up shop. After all the hard work and planning you've put into building your business, it stands to reason you also want to give your business the protection it needs to thrive.                                                                     

With adequate business insurance, you have the security of knowing you can weather a costly liability lawsuit or property damage claim, and still keep offering delicious treats and artisan breads to discerning clients. Farmers Insurance has a special Business Package just for you.                



Give us a call at April Schaffroth Farmers Agency to create the perfect policy for your business at 602-297-5155.


         www.insuranceinaz.com