Online dating? Ever been "surprised" when the person shows up and wasn't what you thought? Don't let this happen to your insurance.
You don't want to think you have coverage for a Corvette when you only have coverage for a Smart Car!                                                                                                                                                                           From the advice on www.dmv.org; Underinsured Motorist Property Damage Coverage
Underinsured motorist property damage (UIMPD) coverage applies when the at-fault driver has inadequate insurance coverage.
This coverage helps pay for damages to your vehicle when the at-fault driver's limits don't fully cover your expenses.
Example:

• Your vehicle sustains $5,000 worth of damage.
• The motorist who hit you is only covered for $3,000.
• You have $10,000 of uninsured motorist property damage coverage.
• Your underinsured motorist property damage plan will compensate you for the $2,000 difference.
Underinsured motorist property damage coverage is not restricted only to vehicle damage. It will, in some instances, also cover valuable items―computers or cell phones―in your vehicle at the time of the accident. Depending on the circumstances and your state, it may also cover you if the underinsured driver destroys your fence, mailbox, or other personal property.  


                                                               
So many clients have their vehicle underinsured and have no idea of what their current coverage is compared to what they need.   That is why it is so important to call April Schaffroth with Farmers Insurance to make sure you are properly covered for your needs. 


Call April Schaffroth at Farmers Insurance to make sure youhave the right insurance at 602-297-5155 or                                                                   www.insuranceinaz.com

Superbowl parties can be fun, but they CAN get out of hand. Your insurance needs to be in place with enough coverage in case your guests get into a pyramid (see the supermodels below) and then crash the pyramid into your coffee table and hurt themselves (also see the supermodels below)!!!                                                        There are many sites that offer ideas on how to stay protected when hostitng a party but from www.insurancegroupusa.com it shares some details about what to look for when hosting a Superbowl Party.                                                                                                                                                       
On Sunday, millions of Americans will be watching the Super Bowl with friends, over a spread of food and beer. The Super Bowl is the most watched game of the year, and whether your team wins or not, the night will end with one of the most dangerous drives of the year too, as too many drivers have had too much to drink at their parties. A late kickoff, a long game, and too many drinks without designated drivers results in staggering numbers. Last year, 48% of the 13,000 fatalities from accidents on Super Bowl Sunday involved drivers with a blood alcohol concentration (BAC) level of .08 or higher.
“Those throwing a party where alcohol is served have both a legal and moral responsibility to make sure that their guests are capable of driving safely,” said Loretta Worters, vice president with the Insurance Information Institute. “You don’t want to allow anyone who has been drinking to drive a vehicle while impaired. Not only do your guests risk injury or death to themselves or others, but you may be held financially responsible.”   



"Social host liability" is the legal term for the criminal and civil responsibility of someone who furnishes liquor to a guest. You may know it by "Dram Shop Liability" as well. Laws differ from state to state, but 43 states have them. These laws give someone who is injured (like a victim of a drunk driver who was served at your party) the right to sue you. You could even face criminal charges in such a scenario.
Here are some other things to consider for your party on Sunday:

• Understand your state's laws regarding social host liability, as they vary by state.
• Consider a different location other than your home for watching the game, like a spacious restaurant or bar.
• Encourage and talk openly about having a designated driver. Have taxi service phone numbers on hand.
• Limit your own consumption so that you can be more alert of your guests' sobriety.
• Offer non-alcoholic beverages and food/snacks.
• Stop serving liquor towards the end of the game, and offer coffee and water to guests.
Above all, be an aware and responsible host and/or driver.
If you're attending a Super Bowl party this year, we ask that you drive safely and wear your seat belt!                         


Call April Schaffroth at Farmers insurance to review before the kickoff! 602-297-5155
www.insuranceinaz.com