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Safety Tips for Driving in Rain!

It’s raining, it’s pouring! As we all know, Fall is coming and Winter is just around the corner. Cold crisp weather with rain falling with the warmth of winter jackets and scarves may sound pleasing and romantic. However, once you get in a car, it could be very dangerous and life-threatening....

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Insurance Incorporated opens it’s newest office in Upland, CA

Posted by admin | Posted in Auto, Business Insurance, Entertainment, Flood, Health, Home, Miscellaneous, Office News, Personal Insurance, Uncategorized | Posted on 29-04-2013

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Insurance Incorporated opened there newest office in Upland, CA. Insurance Incorporated is a full service Independent Agency. Serving the insurance needs of consumers and business owners since 1958.  Whether you need insurance for auto, home, business, life or health insurance,  Insurance Incorporated can help. 

As independent agents we give you the advantage of saving time and money by shopping your insurance with numerous carriers with one call.  Why shop the old fashion way calling agent after agent gathering one quote at a time, when you can call Insurance Incorporated and receive quotes from the leading insurance carriers, such as Mercury,  Safeco, Hartford, Travelers, Metlife, Golden Eagle, Progressive, Allied to mention just a few. Unlike some carriers that can only quote these companies , we can quote and write your insurance for you. Call 909-740-6333 or 877-898-933 for a free quote on your insurance today!

Video from Rough Notes TV about Commercial Auto

Posted by admin | Posted in Around The Community, Business Insurance | Posted on 17-08-2011


What is the Difference Between 15/30/10 and 50/100/50 auto insurance limits for Bodily Injury Liability

Posted by admin | Posted in Around The Community, Auto, Home, Miscellaneous, Personal Insurance | Posted on 18-07-2011

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There are two parts to your liability coverage on your auto insurance policy: bodily injury and property damage.

Bodily injury liability covers injuries that result from an accident:

  1. Emergency aid at the scene
  2. Physician medical bill from accident
  3. Restitution for lost income
  4. Funeral expenses
  5. Lawyer fees

Property damage liability covers the property damage caused by the car in accident:

  1. Property damage to houses or other buildings
  2. Repair or replacement costs for other stationary objects
  3. Automobile restoration or replacement expenses

It is highly recommended from our agency that people get at least a minmum of $50,000/$100,000 for bodily injury and at least $50,000 for property damage. Increasing the limits to those amounts from state minmum doesn’t cost that much at all! Having only state law minimum for automobile insurance can easily be exhausted from just one accident. The high cost of medical bills can severely exhaust your limits resulting in the rest of the costs be paid out of pocket. Here at Insurance Incorporated, we want our clients to be protected properly with the right coverage, so that is why we highly recommend having higher limits than state minimum.

If you are a homeowner or have assets we recommend higher limits with a personal liability umbrella of $1,000,000 to protect you and your assets from lawsuits.



Hired & Non-Owned Auto, Why Everyone Should Have It

Posted by admin | Posted in Business Insurance, Uncategorized | Posted on 13-07-2011


Hired & Non-owned auto liability covers bodily injury and property damage caused by a vehicle you hire, which includes vehicles you borrow or rent, or caused by non-owned vehicles.

You may not realize it at first, but as a business owner, you will find yourself in these types of situation, and without hired & non-owned liability on your commercial auto policy, you may not be covered! Some examples include:

Sending an employee to go get coffee.
You rent a car due to maintenance on your vehicle.
You borrow an employee’s vehicle to run to the store.

You don’t necessarily need a commercial auto policy for this type of coverage. An endorsement may be added to your general liability policy to have this included.

You may not realize it, but this may be your single largest exposure! Virtually all client contracts require proof of Hired and Non-Owned coverage.

Must-See Video for all Small-to-Medium Sized Business Owners!

Posted by admin | Posted in Around The Community, Business Insurance | Posted on 09-07-2011


Most Unusual Claims…

Posted by admin | Posted in Around The Community, Auto, Entertainment, Flood, Health, Home, Miscellaneous, Personal Insurance | Posted on 21-06-2011

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It’s no question that insurance claim adjusters have seen them all. According to York Risk Services, a Parsippany, New Jersey-based third-party adjuster, they have handled some unusual claims in the past, such as:

(Keep in mind, this is just from restaurants)

  • A husband in Texas filed a claim because he said he became ill after see a fly land in his wife’s salad. He said he suffered hypertension and anxiety that made him unable to eat at restaurants.
  • A man sliced his finger while cutting into a steak at a restaurant. He said the knife was too sharp.
  • A man claimed he got whiplash in a restaurant after a server dropped a tray and he quickly turned his head.
  • A woman filed a claim after saying she got injured when a roll of toilet paper fell on her lap while she was using the bathroom. TOILET PAPER!

Enservio, a provider of contents claims solutions, compiled a list of the Top 10 Weirdest Contents Claims. You’ll be surprised at what people claim. Here’s the list:

  1. Flamethrower
  2. Multi Person Underwear
  3. Dead relatives’ gold filings
  4. 3.7 miles of plastic wrap
  5. Petrified mastodon tusk
  6. Life-size statue of Mike Piazza
  7. Half a cow
  8. Tub of melted stuff
  9. Robot shoes
  10. Invisibility potion

As entertaining as these claims are, these are REAL claims!

What Are Named Perils?

Posted by admin | Posted in Auto, Flood, Home, Personal Insurance | Posted on 16-06-2011

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Named perils are events that a homeowners insurance policy specifies as covered, such as, lightning, fire, hail or windstorm, just to name a few. Depending on what type of policy you have, there are open peril or named peril homeowner policies. Named perils, you specifically name which perils your homeowners insurance will cover, on the other hand, open peril policies have broader coverage.

While a HO-3 policy is a much more comprehensive policy, the HO-2 policy covers 16 named perils:

  1. Lightning or fire
  2. Hail or windstorm
  3. Damage caused by aircraft
  4. Explosions
  5. Riots or civil disturbances
  6. Smoke damage
  7. Damage caused by vehicles
  8. Theft
  9. Vandalism
  10. Falling objects
  11. Volcanic eruption
  12. Damage from the weight of snow, ice, or sleet
  13. Water damage from plumbing, heating, or air conditioning overflow
  14. Water heater cracking, tearing, and burning
  15. Damage from electrical current
  16. Pipe freezing

Keep in mind, flood and earthquake are excluded from any homeowners insurance policy. They are their own seperate policies!

Men? Women? Who’s The Better Driver?

Posted by admin | Posted in Around The Community, Auto, Personal Insurance | Posted on 07-06-2011

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There’s been an on-going debate as who is the better driver. Is it men? Or is it women? Well, according to a national drivers test that was organized by GMAC Insurance, it was determined that men do.

According to the 7th Annual GMAC Insurance National Drivers Test, men had a test score that was slightly higher than 80%. That is significantly higher than females, who averaged just above 74%. What is more telling is that 27.2% of the women who took the test, failed. Compare that to the 13.6% of men who failed the National Drivers Test and we get a real sense of who knows the rules of the road better when it comes to men vs. women.

Men scored higher than women on a multiple choice test. That being said, it doesn’t really relate to the reality of driving on the road. To really be able to see who is the better driver, each man and woman would have to individually drive and be tested on their reaction, judgement, errors, etc.

Visit www.gmacinsurance.com and click on the National Drivers Test button to take the test and see how you size up when it comes to knowing the rules of the road.

Whether men are better or women are better, one thing is for sure that we all want to make sure we have the right auto insurance in place. The better driver would have the right protection in place.

Cyber Liability, Businesses Beware!

Posted by admin | Posted in Around The Community, Business Insurance | Posted on 25-05-2011

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According to the 2009 FBI Computer Crime and Security Survey, 71% of American companies endanger their financial stability by not having insurance that will cover Internet liability.

Would you ever jump into a pool filled with sharks without the proper equipment or protection and bait attached to the side of your hip? Of course not! That is crazy, but essentially, that is what you are doing when your business is on the world wide web and you don’t have the proper protection in place. Think of the sharks as the individuals or groups that would be responsible for theft, extortion, defamation, and/or slander on behalf of your company that could be disasterous on your business. Think of the bait as your business’s website content, which is prone to intellectual property laws. These Internet exposures can be very damaging on your company.

Here are some scenarios:

  1. If you send an e-mail containing a virus or malware, and customer information is compromise, you can be held liable.
  2. If you or an employee acquired unauthorized access to another company’s information that is misued or stolen, you can be held liable.
  3. If you or an employee publishes slander or defamation on the company’s blog, website, or any other Internet media, you can be held liable.

Technology is advancing, and businesses need to try and keep up with it. More companies are turning to computers to store data, such as, customer files, accounting, etc. That being said, you are at risk for these Internet dangers. A regular general liabilty and property policy would not cover your business for any Internet exposures. You would have to purchase cyber liability insurance. Cyber liability insurance offers coverage for data privacy, e-media and Internet liability, network security, infringement of intellectual property rights, professional services, and network security.

When Should I Get An Umbrella Policy?

Posted by admin | Posted in Around The Community, Auto, Home, Miscellaneous, Personal Insurance | Posted on 20-05-2011

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When should you get an umbrella policy? First, you should evaluate how much assests you have in your life. Generally, the more assests you have, the more protection you need.

An umbrella policy is an excess personal liability coverage that supplements your auto insurance and home insurance liability limits. It is in addition to those limits, thus, excess. For example, if you carry $250,000 for your auto liability limit per person, if you were to get into an serious accident, your auto policy would only pay up to $250,000 per person. Although, $250,000 dollars is a lot of coverage, it may not be enough if, for instance, the accident you got into had 5 people in the other vehicle, and each person suffered major injuries, you would be stuck with the rest of the bill, and the insurance company would only pay up to $500,000 maximum for that accident. For an accident like that, it could easily surpass those limits, which is why having an umbrella policy is very beneficial for a situation like that.

Of course, no one ever wants an accident like that occur, but it has happened. Are you going to be prepared if that times comes? Check with your agent to see if you need an umbrella policy, or maybe even to increase your limits. Having higher liability limits only benefits yourself, and it doesn’t cost that much. Purchasing an umbrella policy costs around 200 – 300 dollars a year for a million dollars worth of liability protection. You’ll probably never use it, but if you do, you’ll be glad you did.

Keep in mind, if you need an umbrella policy for your business, you would have to purchase a commercial excess liability policy. The umbrella policy mentioned above is for personal auto and home.

Visit our website at www.insuranceinc.com to find out more information or give us a call! (877) 468-2233