Karma Rebuilder this Saturday! If you need to deposit more good karma into your "account" or just want to have fun... then join us this Saturday April 16, 2016 for Keep Scottsdale Beautiful in Scottsdale from 9-11am.                                                      As an Agency Owner, community involvement is very important to myself and my Agency.  However volunteering is also very important to Farmers Insurance.  On www.farmersinsurance.corporate-giving.com;                                        

A History of Hard Work
For over 85 years, Farmers has been committed to serving the communities where our customers, agents, and employees live, work, and play. We work tirelessly to rebuild lives and lifestyles after disasters, improve and support education in our communities, and have dedicated ourselves to a culture of active communal engagement and volunteerism throughout the country.
Farmers Dedication to Community:
Education
At Farmers Insurance, we believe that education is the cornerstone of America, and something every person is entitled to. Today’s young students need all the help they can get to have access to college and the careers of the future. As a company, we focus heavily on helping at-risk youth through in-classroom and after-school programs such as Thank America's Teachers, Boys & Girls Clubs, the First Tee and more.
Learn more about our Education programs.


Disaster Management
As an insurance company, Farmers is dedicated to covering what’s important to you. When disaster strikes though, Farmers is committed to going above and beyond for our customers and communities, delivering world-class response and recovery services anywhere in the country. We partner with organizations like the American Red Cross to invest in disaster relief in preparation for disasters. We’ve also helped in long-term disaster recovery efforts in Joplin, MO and Sea Bright, NJ, where homeowners have struggled for years to get back into their homes. We’re continuously committed to disaster preparedness and education, helping to prepare communities for disaster through our Disaster Recovery Playbook.
Learn more about our Disaster Management programs.


Civic Engagement
Farmers employees and agents live and work in every area across the country, and as a company and as people, we’ve been dedicated for over 85 years to improving the communities in all our backyards. Supporting charities like Habitat for Humanity, FoodShare, United Way, and Salvation Army who provide needed assistance to the under-served, together we strive to make our communities better places to live.


Volunteer Engagement
Our agents and employees have been volunteering in their communities since we opened our doors in 1928. Farmers Insurance co-founder, John C. Tyler, once said, “The measure of our worth is not what we have done for ourselves but what we have done for others.” Whether it’s volunteering at a local food drive, building homes, donating blood, or fundraising, Farmers employees one and all are actively involved in making a difference across the country.
While volunteer activity takes place year round, Farmers employees all come together during one special week each year: Global Community Week. During the first week of June, all employees are encouraged to give back to their local communities, and employee centers lead the way with creative ideas where everyone can engage.


Farmers Family Fund
In March, 2012, Farmers launched the Farmers Family Fund, a dedicated 501(c)(3) Foundation created to allow employees to help other employees through tax deductible donations. When a member of the Farmers Family experiences a catastrophic financial hardship, like a life-threatening illness or injury, death of a spouse or child, natural disaster, or a sudden drop in household income, the Fund can respond quickly with much needed support. To date, the Farmers Family Fund has issued more than $500,000 in grants to employees in need.                                                                                                                         For more details, call the April Schaffroth Agency at 602-297-5155 www.insuranceinaz.com. We hope to see you Saturday!

US Insurance = No Bueno in Mexico

Spring Break road trips to Mexico are always a blast until you find out US insurance = No Bueno in Mexico! Have you had this problemo yourself? If so, next time call April Schaffroth Farmers Insurance for a MUSexico auto insurance policy.             A great article from www.traveltrips.usatoday.com talks about the benefits of getting Mexico insurance coverage.  

U.S. Insurance Policies
Your U.S. car insurance policy has several different types of coverage. The liability coverage of your U.S. car insurance policy will have absolutely no legal bearing in Mexico. This means if you were involved in an accident in which you injured another driver or his vehicle, you would be uncovered and possibly arrested if you didn't have Mexican car insurance. Your U.S. insurance company might be able to offer you collision and comprehensive coverage for possible damage to your own vehicle, but this is unlikely. Your insurance company can provide specific information.
Why You Need Car Insurance in Mexico
Auto liability insurance is not required in all parts of Mexico, neither for Mexican drivers nor for U.S. drivers. So even if you are not at fault in an accident, you could end up without a way to recover damages unless you have purchased your own policy. If you are at fault in an accident, you will likely be detained by the police until they have determined you can make payment to the other party. You can purchase an insurance policy that includes legal assistance and bail coverage so you have assistance if you are detained.
Purchasing Car Insurance
If you are driving a rental car across the border from the U.S. to Mexico, you can purchase collision insurance coverage from the rental car company. However, whether you are driving a rental car or your own car into Mexico, you must purchase liability insurance from a company that is licensed in Mexico. You can purchase coverage at the border or online before leaving for Mexico. You will need to purchase liability insurance that is specifically for foreign-plated cars, also called tourist car insurance.
Invoking Your Coverage
If you are involved in an accident in Mexico, you and the other party may decide not to call the police. Many minor accidents in Mexico are settled between the parties. However, you will not be covered for damage to your car unless you contact your
insurance adjuster. If the damage is severe or if there were injuries, most Mexican insurance companies will send an adjuster to the scene of the accident to view the damage, to interview witnesses and, if necessary, to confirm for the police that you have coverage. You may be required to remain at the scene until the adjuster arrives, so be sure you understand the details of your policy.                                                                                                                                                                                                                                  We will make sure your road trip from beginning to end is one big fiesta. Gracias, April Schaffroth 602-297-5155 www.insuranceinaz.com.