Too Bad Summer Is Over But Great News for Teachers

The long days of summer are coming to an end and teachers are excitedly returning to their classrooms. You are excited right? There is some good news; about 179 days remain, and Crosby and Crosby offers teachers up to a 10% discount on their auto insurance.

We offer this discount for all full-time, and credientialed, teachers.

Combine your teachers discount with multi-policy discounts up to 25% for some great savings. Check with us or get a quote online.

Bakersfield Office Power Outage

A large power outage in central Bakersfield is affecting our Bakersfield office. PG&E is projecting the power to be restored by 4:30 pst.

Our phone system is down and we are not able to receive calls at this time.

For immediate assistance with claims view our claims page for assistance with billing view our billing page.

Crosby and Crosby Recognized as a Safeco, H.K. Dent Society, Agency

We all like awards and little things to remind us that we are doing a greatjob. We have had a long-term relationship with Safeco Insurance for more than 30 years and were recently recognized into Safeco’s, H.K. Dent Society.

Fewer than 10% of Safeco agents qualify for membership. Qualification is based on business premium, profitability and tenure.

Safeco traces it roots back to the programs namesake, Hawthorne K. Dent, in 1923. Our roots as an agency go back to 1963 and a shared philosophy with Safeco; to provide the best insurance to the best risks.

Dent was credited as saying, “Insurance produces nothing, it replaces. We have nothing to sell except goodwill and confidence”.

In that shared philosophy we continue to serve our customers and are proud to be recognized into the H.K. Dent Society and represent Safeco Insurance.

Customer Profile Victor and Jennifer Garcia

Victor and Jennifer Garcia are this weeks featured customer. The best part of our agency is the friends that we make and being able to offer them a great value on their insurance.

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Was there one thing that made you chose Crosby and Crosby to handle your insurance?

“I liked that it’s a local company. When I filled out the form online requesting quotes, I was surprised when a few local companies did give me a call. You answered all my questions and were very helpful. I didn’t feel pressured.”

You were with a direct company (online and 1-800) before choosing Crosby and Crosby. Are there any major differences in how you feel about your insurance now?

“The major difference is I don’t have to call an 800 number and go through menus to get to talk to a person. I feel like I have more options now if I choose to change my insurance company, because you represent a few insurance companies, rather than just one.  I also like that you are on Facebook.”

Would you recommend your friends and family to Crosby and Crosby?

I would definitely recommend my friends and family to Crosby and Crosby.

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Thanks Victor and Jennifer! Since 1963 we have believed that a local independent agent that represents several great companies is simply the best way to buy insurance. We are glad that you agree!

Want to be our featured customer of the week? Send us an email, agent@crosbyandcrosby.com

Don’t Forget Arizona Elk and Antelope Tags Due 2/09/10

Remember to put in for your Elk and Antelope tags in Arizona. They are due in their office by 02/09/10.

AZ Hunting Regulations

AZ Application Sheet

AZ Fish and Game Website

Talk to us about your gun collection and ATV coverage. Go and shoot a trophy!

Bakersfield Wind Storm: Fence Damage and your Insurance

We are currently having a lot of claims for damaged fences from the high winds in Kern County. Here is a quick tutorial on the coverage your homeowners policy affords you and how we can help.

Coverage: Damage to your fence is covered under “Coverage B (Other Structures) subject to your deductible.

There are 2 types of fences and they apply differently to your insurance:

Shared Fences: Shared fences are fences that are shared with your neighbors. Your responsibility is for 50% of the cost of the damage to the fence. In the case of a shared fence your insurance company will pay 1/2 of the amount of the damage and split your deductible in 1/2. For example if there is $3000 in total damage and you have a $1000 deductible the insurance company will pay $1500 minus 1/2 of your deductible ($500) for a total of $1000.

Things to remember:

• You are responsible for 1/2 of the damage to a shared fence
• Your insurance company will split your deductible and you will be responsible for paying 1/2 of the deductible

Non-Shared Fences: Non-shared fences are fences that you don’t share with a neighbor such as front or side fence. You are responsible for 100% of the expense. If you have $3000 in damage the insurance company will pay $3000 minus your deductible.

Things to remember:

• You are responsible for 100% of the damage to a non-shared fence.
• The damage to your fence is covered under your homeowners policy minus your deductible

If you have a claim or want to discuss a possible claim give us a call 661-327-5531.  You can email us at ryanatcrosbyandcrosbydotcom (regular email format).

To turn in a claim directly to the company visit our claims page at http://www.crosbyandcrosby.com/claims/

Rest assured our emphasis is helping you handle a claim. It is never fun and can be confusing. We can help and make the process easy. We won’t say “fun” but we will handle your claim: quickly, efficiently and fairly. Aren’t you glad you chose a local agent?

Dealing with Rain, Wind and Weather Related Insurace Claims

January and February are our biggest months for weather related losses in Bakersfield. So what is the best way to handle these claims?

1. Secure your property against further loss. For a covered weather related loss- the insurance company will reimburse the out of pocket expenses to secure your property against further damage.

2.  Turn in your claim directly with the carrier.

Travelers: 1-800-252-4633 – Safeco 1-800-332-3226

Kemper Auto and Home: 1–888–252–2799

For other companies and to turn in claims online: http://www.crosbyandcrosby.com/claims/

3. A claims adjuster will contact you within 1 business day. Crosby and Crosby will be notified of your claim and we will follow-up to assist you and answer any questions that you may have. We can be reached at 661-327-5531.

4. Rest assured that with any of the companies we represent you are dealing with a great company that will quickly, effciently and fairly handle your claim. Plus Crosby and Crosby as your local agent will be there to assist you through your claim.

If you are unsure if you have a covered claim or need assistance don’t hesitate to contact us 661-327-5531 or email us at agentatcrosbyandcrosbydot com.

Weather related claims information

Rain: Covered losses include the damage caused by leaking or damaged roofs.  Secure your home against further damage and contact your company directly.

Wind: Wind related losses are the most common type of losses in Bakersfield. Damage to roofs and/or fences are the most common.

Other Weather Related Claims: Auto accidents increase during wet weather. Make sure to exchange information with the other people involved in the accident and get contact information from any witnesses.

Featured Business of the Month at saveathomemommy.com

Check out our giveaway and special offer as the saveathomemommy.com featured business of the week.

Some great ideas on saving money and balancing your budget!

What Kind of Insurance Coverage Should I Have for a Concealed Carry Permit or CCW?

If you have made the decision to carry a firearm for your protection you should do two things immediately…

1. Make contact with a criminal defense attorney who is experienced with and friendly to 2nd Amendment Issues.
2. Find an insurance agent/company who is also experienced and friendly to 2nd Amendment Issues.

Criminal

Your first contact with an experienced defense attorney will help you prepare for the situation that you are forced to use your firearm in defense of yourself or another person. Should you happen to be charged or threatened with charges, your first contact will be your criminal defense attorney and having already made a contact will make an already stressful situation easier to deal with.

Civil

This is where having an experienced insurance agent and a 2nd amendment friendly company is going to come into play. You maybe civilly liable for damages to person or property caused by your acts. A civil suit may be filed not only from the person/family whom you injured/killed in your defense but also from other parties whom had bodily injury or property damage. I.E. You defend yourself while in fear for your life while be robbed at a gas station, you fire 2 shots with one shot passing through the assailant and injuring an innocent bystander standing behind them. You are likely going to be sued by the bystander for the injuries that they sustained.

What you need to consider

There are 2 parts of a possible civil case that you need to consider. First is personal liability, that is damages that your actions caused and you are responsible for. Secondly is your legal defense to the civil suit, that is your legal representation to defend you against the suit.

To property protect your civil liability you need to consider a homeowners policy with maximum available liability limits and an umbrella policy with suitable limits for your needs and specific wording that includes protection for:

“Bodily injury” resulting from the use of reasonable force by an “insured” to protect persons or property

If you would like to discuss your options in more details we can be reached at 661-327-5531 or email us. You can also get an online quote at www.crosbyandcrosby.com we are supporters or the 2nd amendment and experienced in firearms issues and personal insurance.

Bakersfield Wedding Insurance Now Online

You can now quote wedding insurance coverage online starting at $160 with Travelers no-deductible Wedding Insurance.

Why insure my wedding?

• 40% of the claims filed with Travelers involved unforseen problems with vendors such as caterers, photographers and wedding planners. Problems such as going out of business or failing to show up on the event day were leading causes.
• With the average wedding costing over $20,000 insurance makes financial sense for bride and groom as well as their parents.
• 22% of claims involved key family members being unable to attend or postponement due to military leave.
• 19% of claims resulted from lost or damaged items such as dresses or rings.
• 15% of claims were weather related.

You can now quote online

or for more information check with us 661-327-5531