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                        

Do we have anything on our faces? Do our noses look funny?

Do these red noses make us look fat? Nah, we don’t think so either! 


Our Farmers agency is involved in our community in many ways. April Schaffroth Agency wants to rally around the Red Nose Day to support impoverished children – not only in our community but also worldwide.
Red Nose Day is a campaign dedicated to raising money for children and young people living in poverty by simply having fun and making people laugh. The inaugural Red Nose Day will be held in the US on May 21st, 2015. People across the country will come together to have fun and raise funds and awareness. The day's events will culminate in a three-hour entertainment TV s

pecias and Hollywood stars—it's a show not to be missed!

Join in the fun and start planning how you can help support Red Nose Day in your community!                                                                                                                                              It's so easy and the opportunities are endless. Check out our Fundraising page for ideas! Join us in support of this   great cause by going to “rednoseday.org” Get involved and share your Red Nose pictures with us on Face...book.

April Schaffroth at 602-297-5155 at 
www.insuranceinaz.com

Don't monkey around and risk a slip and fall at your home or office!

We have been known to "monkey" around at our office as you can see by the banana peel AND our previous posts.                                      
All risks at your home or business are not always this obvious. You should make sure your walk ways are clear to avoid impromptu break dancing and "Oh &*^%$" falls.                                                                                                                        From Wikipedia it states: Slip and fall, also known as a trip and fall, is a personal injury claim or case based on a person slipping (or tripping) and falling. It is a tort, and based on a claim that the property owner was negligent in allowing some dangerous condition to exist that caused the fall.
Property owners generally have two basic defenses to public liability slip and fall claims:

• The first defense is that they were not negligent. For example, the owner may claim that the banana that a patron slipped upon had been dropped on the floor only moments ago by another patron, and that, in the exercise of due diligence, a typical store owner acting with reasonable care would not have had time to discover the danger and take steps to mitigate the danger.  
• The second and more typical defense is that the person who was injured was at fault. For example, the owner may claim that any reasonable patron, exercising due diligence for his or her own safety, would see a banana on the floor, and take those steps necessary to avoid slipping on it.
• 
  
Depending upon the intent or negligence of a responsible party, the injured party may be entitled to monetary compensation from that party through a settlement or a judgment. However, because of a general perception that slip and falls are often at least partly the fault of the person injured, slip and fall injuries are usually worth less than injuries from other types of torts. Aside from compensation for injuries, the injured person may get compensated for the lifetime effect of the injuries.                                                                                                                                                             What are you waiting for...call April Schaffroth Farmers Agency today at 602-297-5155 to make sure you are covered for any and all of these shenanigans.
                        www.insuranceinaz.com
                                                  

Happy Mother's Day from April Schaffroth Farmers Insurance Agency

Are you running out of ideas for your Mother's Day gift? Instead of flowers; try our singing Mothers Day Video. She will LOVE you for it (not) but it will at least put a smile on her face.                                                                                                 
Call us at Schaffroth Farmers Insurance Agency 602-297-5155 for all of your insurance needs. Happy Mothers Day!! 
https://www.youtube.com/watch?v=XUCm8904ioA

www.insuranceinaz.com

We want a Triple Crown Party; not a Triple Claim party

Happy Derby Day!       When hosting your Derby party; make sure your hat is fabulous, your mint is fresh and your julep drinkers have designated jockeys (drivers)!!!                                                                We only want you to host an exciting Triple Crown event and NOT have a Triple Claim event! 
From the www.kentuckyderby.com, there is more to the history than watching the horse races.

Garland of Roses




The roses were first established as part of the Derby celebration when they were presented to all the ladies attending a fashionable Louisville Derby party. The roses were such a sensation, that the president of Churchill Downs, Col. Lewis Clark, adopted the rose as the race's official flower. The rose garland now synonymous with the Kentucky Derby first appeared in the 1896 when the winner, Ben Brush, received a floral arrangement of white and pink roses.
In 1904 the red rose became the official flower of the Kentucky Derby. The tradition was strengthened when, in 1925, New York sports columnist Bill Corum, later the president of Churchill Downs, dubbed the Kentucky Derby the "Run for the Roses." The garland as it exists today was first introduced in 1932 for the 58th running won by Burgoo King. 
Each year, a garland of more than 400 red roses is sewn into a green satin backing with the seal of the Commonwealth on one end and the Twin Spires and number of the race’s current renewal on the other. Each garland is also adorned with a "crown" of roses, green fern and ribbon. The "crown," a single rose pointing upward in the center of the garland, symbolizes the struggle and heart necessary to reach the Derby Winner’s Circle.
Each year the Governor of Kentucky and other dignitaries also present the winning jockey with a bouquet of 60 long stemmed roses wrapped in 10 yards of ribbon.


Before hosting your next event; call April Schaffroth at 602-297-5155 to make sure you are properly covered.


www.insuranceinaz.com