Things to Know About South Seattle Automobile Insurance

Being prepared for whatever might happen in the future is one way to give a person an edge. It is a very important aspect in every life of a person who owns a car. The specific regulations in your area will increase your confidence each time you are behind the wheel. Every motorist must be insured against the risk of financial liability each time i drive. The best thing about having your car insured is you are prepared to whatever might happen to the car. South Seattle automobile insurance is needed if ever there comes a time when there is a collision that results in damage of property or injury. The insurer has the task to pay all the monetary liabilities. To make this happen, you have to have an auto insurance. The owner of the auto must pay an insurance premium in monthly basis. This is needed to assure your safety if every accidents will occur. 

It is a requirement to have an auto insurance in south Seattle to insure your monetary liabilities if ever accidents occur. As you well know insurance can not pay the payment fully so partially you will have to pay for the required payments. It is wise for one to ask in the future to what he might pay. It is one of the responsibility of the car owner to know the car lenders of leased vehicles are supposed to incorporate automobile insurance coverage in the least cost. It is an advantage to ask about what type of coverage is available or comes along with leased vehicles. Also one should know their monthly payment insurance. it is good to be aware of the amount on top of the monthly price cited by the dealer. This should tell you the difference if you are paying more than you required to or if you are paying lesser than the required amount.

The payment for the monthly basis of insurance is based on the type of the vehicle covered, the years of the car used, the driving background of the owner and the place where it is kept and used. To have an auto insurance, customers and clients are protected. Auto insurance is needed to lower the amount that is to be payed when an accident will happen because it is better to be prepared than to do nothing then regret your decision later. Get the trusted south seattle automobile insurance now.

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Get yourself a Defranco Complete Insurance

Every day we wake up with too much uncertainties, thinking that someday we will die, or the education of your children, the welfare of your family or yourself; it’s only the reality though that we worry on these things. No need to worry defranco complete insurance got your back they provide the best complete insurance systems. Now, why do we need life insurances? As we grow older, we get married, start your own family and the more we grow we come to understand that having a insurance is an absolute must!

There are many things that insurance can do for you. Having an insurance help you protect your Family and your Loved one’s this is especially true to the breadwinners of the family. a insurance will help you when you need some financial support. the second thing that a insurance can do for you is that it helps you pay your debts and expenses; when you are in debts and you have too many bills to pay an insurance will be there to act as a shield lessening your financial burden. insurances also helps you and protects your things or valuables; take this for an example a car accident when you have caused a car accident unintentionally or you became the victim of a car accident a insurance will be there for you. a car insurance will help you in repairing your damaged car, a medical insurance will also help you pay the hospital bills when you experience an injury.

Insurance is there to help you lift your problems. Like any other parents you really look forward for the future of your children when you are gone. Insurance will be there to help your family that you have left. Lastly but not the least a life insurance can help you gain a mental state of mind peace, a life insurance will help you take ease on thinking alternative ways of living. it helps you to relax a bit knowing that you and your loved ones are take care of. the reality is that no one knows what will happen next you may try to predict the next events of your life but really you cannot exactly predict on the things that will happen in life. But instead of thinking on how and what can you do about your life. Then I advise that you will start doing something about it and avail a defranco complete insurance.

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Kinds of Seattle Group Life Insurance

Life Insurance provides years of income in the event of passing, life insurance is a guaranteed to pay money directly to your beneficiaries Life insurance can maintain their standard of living seattle group life insurance can pay off any household debt life insurance can secure your children's education supplement retirement savings. life insurance essentially comes in two types: term life insurance and permanent life insurance.If you want life insurance for a set period of time — long enough to meet your anticipated responsibilities to those who depend on you — term life insurance may be right for you. If you are looking for flexibility and lifetime coverage of some form of Permanent Life Insurance may make sense. Permanent life insurance also offers access to a cash value component which can be put to good use during your lifetime.

Usually employers make additional insurance protection available for certain accidental losses. Accidental Death and Dismemberment coverage generally pays for accidental loss of life, limbs, speech, hearing or sight, paralysis and more. It can be available as a low-cost part of your company-paid basic coverage, an employee-paid coverage, or both. While sales of "term life"—the bare-bones, low-cost insurance that young families have favored for decades—declined by 12% in 2010, its third consecutive drop, permanent life is heating up. One variety, "whole life," saw sales rise by 2% in 2010, according to industry-funded research firm Limra, while sales of the other type, "universal life," surged 21%.

While insurance agents are quick to But for some wealthier folks looking to build tax-deferred savings, permanent life can be a good option. seattle group life insurance is the best insurance provider for you. Usually employers make additional insurance protection available for certain accidental losses. Accidental Death and Dismemberment (AD&D) coverage generally pays for accidental loss of life, limbs, speech, hearing or sight, paralysis and more. It can be available as a low-cost part of your company-paid basic coverage, an employee-paid coverage, or both. While insurance agents are quick to But for some wealthier folks looking to build tax-deferred savings, permanent life can be a good option. Seattle Group Life Insurance gives you many options to have.

DeFranco is the best life insurance provider in seattle

Let’s face it we all grow up and we live a life then grow old, and at some point you may be thinking on having a life insurance. a life insurance helps you in difficult times of your life  and it is there to extend a helping hand during in times of need. DeFranco Insurance is the best life insuranceprovider in seattle, they offer you a variety of choices and will guarantee you that they will help you in your times of need, A life insurance is an essential part of your monetary plans for the future. a life insurance helps you on paying your financial needs especially if you are the breadwinner, a life insurance will give you a helping hand and offer you a savings potential when your financial income can no longer support your needs. a life insurance can also help you in the death of your beloved someone, the death of a beloved someone can become a financial burden the expenses of burial can burden you financially and a life insurance will be there to assist you.

A life insurance will act as a financial shield, we might never know on when accidents happen accidents can happen pretty much anytime and we should be prepared. A life insurance will be there to provide you financial assistance besides health care insurance, need all the help you can have right? DeFranco Insurance offers you kinds of life insurance and they offer four different types of life insurance. Term Insurance it is a temporary life insurance with fixed premiums and fixed period of time spanning from 10 to 20 years of life insurance.

DeFranco Insurance also offers you a choice of purchasing their Whole Life Insurance it is a permanent insurance as long as you paid the premiums whole life insurance have cash and value benefits they also offer you universal life insurance this life insurance is a permanent insurance that gives you the option to change your premiums and death benefits they also give you the option to maximize the cash value benefit of your life insurance. Life insurance can be used of financial expenses for the education of your children, maintaining your current lifestyle or the maintenance of your own business. a life insurance clearly gives you an advantage over those who did not avail or purchase a life insurance, truly DeFranco Insurance is the best life insurance provider in seattle.

Seattle WA Homeowners Insurance

Home insurance is just one of the more seemingly “useless” charges one has to think of, provided are all of the expenses that are included when owning a house; but is it really? It truly is a realistic to question. To own a home, is to home a haven for you and your family, however, it comes with a price. Home insurance is extremely crucial when it comes to. Not only will a good Seattle WA Homeowners Insurance save you money in case an occurrence happens, inside or within the vicinity of your property, will help the owner deal with the incurred expenses of such accidents.

The Unforeseen Accidents

What’s the worst that can happen? Well, your home’s exposure to the elements can be one concern. A home is not always made out of materials that are resistant against natural disasters, so much more human disasters. Given that homeowners’ insurance is not necessarily essential by law, most mortgage loan companies require home owners to secure one. At times, residents of high-rise buildings, condominium, town houses or co-op, are usually required to secure home insurances to protect the building owner from any liabilities, in any case there are natural disasters, or human-causes that creates a hazard and damage to those who reside in a given building or unit. However, and more than likely, damage from earth quake and flooding are excluded from the insurance coverage because the risk to insurance company is too high.

Another benefit of securing homeowners insurance is for protection against accidents that may occur when having guests over in the home. Suppose a home owner had friends over, and one of the visitors tripped and fell down the stairs, the owner of the home, if covered by homeowner insurance, may file any claims relating to the fall and to the recuperation of the guest against his insurance. Nevertheless, it is the obligation of those who wish to avail of such insurance to insure that such coverage do exists in his or her policy. If so, the homeowner may be saved from financial obligation

What is “Included” in Homeowners Insurance

Damage to home is not the only concern home owners should think of. There are times that unwanted guests or thieves do enter homes uninvited.  The question is what is really covered? Usually, homeowners insurance does cover personal or any damage to the insured’s home, and may be due to tornadoes, fire, lightning or hurricanes. For losses due to riots, theft and vandalism, there is what is called HO-3 insurance. This also covers any damage to home due to air or heating condition system problems. This policy also covers any jewelry theft that does not go over 2,000 USD. Damage incurred due to a pet’s misbehavior is not included in such coverage, but it would be wiser to check with a credible Seattle WA Homeowners Insurance.

South Seattle Auto Insurance: It is a Need, Not a Want

Being covered is an important aspect in the life of every motorist. Knowing the basic principles of your South SeattleAutomobile Insurance and the specific regulations in your area will increase your confidence each time you’re behind the wheel. Ask yourself this question:

“Am I insured against the risk of financial liability each time I hit the road? If no, to what extent will I be liable for?”

Do you sometimes wish you paid lower premiums every month? Do you have tips on the kind of insurance to get for vehicles? What do you think is the best thing about having your car insured? Tell us what you think.

Know the Basics

The idea about getting your automobile insured is to have an insurer pay for monetary liabilities. Liabilities accrue if the owner's vehicle figures in a collision accident which thereby causes property or physical injuries. An insurer will then pay for the damages caused in accordance with the stipulated terms in your contract of insurance.

To make this setup work, the owner of a vehicle must pay an insurance premium on a monthly basis, the amount of which is determined by several factors, such as the type of the vehicle covered, age, driving background and the place where the car is often used and kept.

Be Aware of Your Surroundings in South Seattle

In the state of Seattle, automobile insurance is mandatory, even if it is leased. Generally, if a vehicle leased is damaged and is declared irreparable, the owner is still required to pay on the loan. With that said, consumers are protected. In this case, the owner’s financial liability is reduced, but as we all know Insurance will not always extinguish the debt in full.

It is your responsibility to know that car lenders of leased vehicles are supposed to incorporate automobile insurance coverage in the lease cost. It would be wise to always ask about what type of coverage is available or comes along with leased vehicles. Also, one should be aware of the amount on top of the monthly price cited by the dealer. This should tell you the difference, and will show whether you are paying more than you are required to.

How do you know which insurance works best for you? How can you tell if an unscrupulous dealer is out to fleece you? Tell us what you think and we’ll share some useful information about South Seattle Automobile Insurance.

SUV plows into S. Seattle hair salon; 7 hurt, building unstable

For the business owner, building owner and driver, this is not the time to be thinking I hope I have enough insurance!!     Hope everyone is OK. 

 

 

SEATTLE - Seven people were injured, including at least two children, when an SUV crashed into a hair salon in South Seattle. Officials said the two-story building now is in danger of collapsing.

An off-duty firefighter was in the area when the crash happened, at about 1:25 p.m. Thursday. He rushed inside the salon and extinguished spot fires under the SUV as police and medics responded to the scene, at Rainier Avenue South and S. Ferdinand Street.

Emergency responders arrived to find found the SUV completely inside the Carol Cobb Salon, with debris lying all around.

According to initial reports, four family members were inside the SUV and some of them were trapped by the debris. Firefighters quickly removed piles of debris outside the building to pull them free.

All four of those in the SUV sustained injuries. Two people inside the hair salon also were injured. Those six were taken to local hospitals but the extent of their injuries was not immediately known. A seventh person injured was treated the scene.

Kyle Moore of the Seattle Fire Department said the crash may have compromised the building's structural integrity. Two cracks have formed in the walls and are still expanding, he said.

"We're worried about whether this building might collapse, so we're bringing in engineers from the city to determine the structural integrity of the building," Moore said.

There was no immediate word on what led up to the crash.

All lanes of Rainier Avenue South and S. Ferdinand Street will remain closed in the vicinity while a structural assessment is completed on the building.

 

 

 

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Hope to see a lot more of Macklemore as I start my 29th year of working field operations for The Super Champions!

10 Reasons To Get Life Insurance

Life insurance can be an important part of your financial planning. Many don’t even know why they might need life insurance. Luckily, there are tools to help answer your questions about this important decision.

In order to determine how much life insurance you may need, it’s a good idea to know exactly why you are buying it in the first place. This legal contract between an insured and an insurer, usually a life insurance company, requires premiums and guarantees a payment given to the insured’s named beneficiary upon his or her death. But insurance proceeds can go toward a number of financial obligations. Check out the reasons you may want to consider purchasing life insurance.

Life insurance can be an important part of your financial planning. Many don’t even know why they might need life insurance. Luckily, there are tools to help answer your questions about this important decision.

In order to determine how much life insurance you may need, it’s a good idea to know exactly why you are buying it in the first place. This legal contract between an insured and an insurer, usually a life insurance company, requires premiums and guarantees a payment given to the insured’s named beneficiary upon his or her death. But insurance proceeds can go toward a number of financial obligations. Check out the reasons you may want to consider purchasing life insurance.

No. 1: Income replacement

If you are a breadwinner in your home, insurance can help pay the bills or offer savings potential when your income is no longer coming in.

No. 2: Final expenses

With funeral and burial costs totaling more than $10,000, the death of a love one can leave quite a financial burden. Life insurance can help subsidize or cover these and other medical costs.

No. 3: Estate liquidity

When an estate is inherited, there are many taxes your beneficiary will have to cover. From paying income taxes to federal estate and state inheritance taxes, insurance policies can provide some help.

No. 4: Locking in a low premium

Premiums increase as people age. To optimize benefits, buying life insurance at a young age can lock in a low premium.

No. 5: Transfer family wealth

Life insurance policies can allow you to leave more money to your family as part of your estate.

No. 6: Build cash value

Whole or universal life policies offer a tax-advantaged way to build cash value.

No. 7: Cover debts

A life insurance policy can help pay off a mortgage loan so beneficiaries can continue to live in the home or to remove the immediate need to sell it. Debt can be inherited, and then follow your family around for years if they have to go into foreclosure or even declare bankruptcy. You can see how your debt is currently impacting your credit scores for free on Credit.com.

No. 8: Business succession

For a family business or otherwise, the continuity and succession may require costs like a stock redemption buy/sell agreement or cross-purchase. To protect your descendants and your company, life insurance can provide important funds.

No. 9: Tax benefits

Especially for high-income earners, policies can provide a tax shelter and alternative to IRA options.

No. 10: Charitable gift

A life insurance policy can help make a big impact to a cause important to the newly deceased. This could be done by donating the policy to charity or by naming the charity as beneficiary.

Once you’ve decided you need life insurance, it’s a good idea to research options and compare policies to meet your needs.

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Welcome to DeFranco Insurance

Complete Insurance for Individuals and Businesses in Seattle

Choice. Flexibility. Economy. Superior Protection. For your car, home, and business. DeFranco Insurance has it all for you in one place - from our office inSeattle, Washington we serve the insurance needs of individuals, families andbusinesses all over Washington. As an independent insurance agent, we represent many top rated insurance companies. We're here for you locally, 24/7 via our website or by calling us at: (206) 723-1680.

Getting the right insurance protection, superior claim service when you need it, ultimate convenience, and the right price can seem like a tall order. But DeFranco Insurance makes it seem easy.

Meet Some Of Our Insurance Partners

Click On Links Below To Visit Our Partner's Web Sites

Chubb

Contractors Bonding and Insurance Company

Firemans Fund

First Colony Life Insurance Company

Foremost

Genworth Life and Annuity Insurance Co

GeoVera Insurance Company

Grange Insurance

Hagerty Insurance

INSCO/DICO Group

Kemper Insurance

Liberty Mutual Insurance

LifeWise Health Plan of Washington

MetLife

National Flood Services

Navigators Insurance Company

Philadelphia Insurance Companies

Premera Blue Cross

Progressive Insurance

Regence BlueShield

RLI Corp

Safeco

Symetra Life Insurance Company

The Hartford

Travelers

Unigard Insurance Company

Victoria Automobile Insurance Company

Zurich Insurance

Extensive Insurance Terms Glossary

Insurance Glossary

Need to check an insurance related word or term? We've got them here. Select from the list of glossary words below or use the search box to help find what you are looking for.

• Actual Cash Value
• Additional Living Expense
• Additions and Alterations
• Basement, Attic, Garage
• Binder
• Business Automobile Insurance
• Business Income Insurance
• Business Owners Policy
• Cameras
• Captive Insurance Company
• CDW
• ChFC
• CIC
• CLU
• CLUE
• Coins, money
• Collision Coverage
• Collision Damage Waiver
• Comprehensive Coverage
• Comprehensive Personal Liability
• Condominium Unit Owners Policy
• Constructive Total Loss
• Contract Bond
• Contractors Bond
• Contractual Liability
• Coverage A
• Coverage B
• Coverage C
• Coverage D
• Coverage E
• Coverage F
• CPCU
• Customized Coverage
• Deductible
• Depreciation
• Dining Room
• Earth Movement
• Earthquake
• Employment Practice Liability
• Exclusions
• Family Room
• Fire
• Firearms
• Fixed Annuity
• Flood
• Flood Warning
• Flood Watch
• Furs
• Garage Liaibliity Insurance
• Golf Equipment
• Home Business Liability
• Home Business Property
• Home Entertainment System, Computer Equipment, etc.
• Home Insurance Value
• Home Owners Policy
• Hurricane Warning
• Hurricane Watch
• Identity Theft
• Independent Insurance Agent
• Inland Marine Insurance
• Insurance-to-Value
• Insurance Purchasing Group
• Insurance Score
• Jewelers Block
• Jewelry
• Judicial and Probate Bond
• Kitchen
• Liability (Property Damage, Bodily Injury, Home, General, Product, Strict)
• License and Permit Bond
• Living Room
• Loan, Lease (Gap) Coverage
• Market Value
• Master Bedroom
• Master Policy
• Medical Payments Coverage
• Multi-Peril Policy
• MVR
• Mysterious Disappearance
• No-Fault Insurance
• Ocean Marine Insurance
• On Hook Towing Coverage
• Ordinance and Law Coverage
• Other Property
• Other Structures
• Perils (Covered Perils)
• Personal Automobile Insurance
• Personal Injury Protection
• Personal Property
• Postage Stamps
• Professional Liability Insurance
• Real Property
• Rental Reimbursement
• Renter's Policy
• Replacement Cost
• Return on talent
• Risk Retention Group
• Scheduled Property
• Silverware
• SR-22
• Storm Surge
• Strict Liability
• Surety Bond
• Tornado Warning
• Tornado Watch
• Totaled
• Towing and Labor
• Umbrella Policy
• Under Insured Motorists Coverage
• Underwriting
• Uninsured Motorists Coverage
• Unit Assessment
• Water Back Up
• Watercraft
• Windstorm Pools