DeFranco Times

Inside this issue

Insurance Trivia............................. 2

New Bling—how to protect ......... 2

Insurance Trivia............................. 2

Award for Excellence .................... 3

Higher auto limits ......................... 3

Insurance Trivia Answers ............. 3

Like us on Facebook

DeFranco Insurance

or find us on the web:

www.defrancoinsurance.com

With great sadness, we report the passing of one of the founders of DeFranco Insurance. Theresa DeFranco, the wife of Lou , and mother to Mike, Jim, Dan, Peggy, John, and Mary, passed away February 6th. Lou and Theresa began DeFranco Insurance Agen-cy in 1953, where Theresa did the accounting for the office. She touched many deeply with a twinkle in her Irish eyes, and her genuine laughter. The world is truly a better place because of her presence.

Giving Back ~ Thank You for Supporting

Toys for Tots

Thank You for supporting Toys for Tots dur-

ing this Holiday season. This is our second year working with Country-

wide Brokerage collecting toys, games, etc. for children. Over 200

items were collected and delivered to Toys for Tots. We send a special

thanks to Janet Dowd, AT&T Bothell (Karen Salander-Coaly), Columbia

Escrow, Randy Allen and Linda Giralmo for dropping off their dona-

tions. Thank You Thank You

March2016 Volume 1, Issue 4

Calendar of Seattle Events

Skagit Valley Tulip Festival

La Conner/Mt Vernon

April 1st—April 30th

Taste of Washington

CenturyLink Field Event

April 2nd—3rd

Opening Boating Day

Mountlake Cut

May 7th, 2016

Seattle International Film Festival

May 16th—June 12th

Customer Appreciation Day

DeFranco Insurance

June 11th

Please remember to check the dates

and times for these events

A. Can you get a moving violation for not having a front license plate?

B. Can you drive in a bike lane?

C. How much does your homeowner policy pay for Earthquake damage?

D. Can your child get a ‘Good Student Discount‘ if they are 27yrs old?

E. Is a person not driving age considered a passenger for carpool lanes?

F. If a fire happens at my apartment, will my landlord’s policy cover my

items?

G. If my 16 year old gets two tickets before age 18, could he/she lose his/

her right of a license?

H. My $10,000 Rolex disappeared, how much will insurance pay for a new

one?

I. My son, who’s living at the college dorm, has his laptop stolen—is he

covered?

J. My house in Winthrop was saved by the fires, but now rain is causing

flooding in my home. Does my homeowner policy cover this?

K. When should I contact DeFranco Insurance Agency?

“The only difference between a flower and a weed is judgement” ~ Wayne Dyer

New Bling for Christmas or Valentine’s Day?

Insurance Trivia

Your Homeowner policy covers valuable items such as

jewelry, fine art, antiques, guns, electronics, musical instru-

ments and other items, but only up to set limits. If there is

a loss, you will also pay your deductible, unless these

items are scheduled. Most Insurance companies will typi-

cally cover up to the following amounts for these items:

$1,500 for theft of jewelry, watches, furs, precious

and semi-precious stones per item. Mysterious disap-

pearance may or may not be covered.

$2,500 theft of silverware, silver-plated, gold ware,

gold-plated ware, and pewter ware.

$2,500 for stolen firearms

Check your home policy, and if you would like to schedule

your valuable items for a higher amount than currently cov-

ered, please let us know.

2

http://www.dol.wa.gov/driverslicense/teens.html#intermediate

Insurance Trivia Answers

Question A: Yes, this is consid-

ered a violation and could af-

fect your insurance premium.

Question B. Motorists are re-

quired to yield to bicyclists.. You

may use bicycle lanes when

necessary to turn. but otherwise

not drive or park in bike lanes.

Question C. In most cases this is

a separate policy. There is no

coverage for Earthquake Dam-

age in a Home Policy.

Question D. Good Student Dis-

count is for children up to 25

year olds for most carriers.

Question E. Yes, you do not

have to be of driving age to be

considered a passenger for car

pool lanes

Question F. No, your landlord’s

policy does not cover your per-

sonal items.

Question G. Yes, his/her license

may be suspended until he/she

are 18, if he/she receive over

two violations.

Question H. You need to make

sure your policy covers mysteri-

ous disappearances, and then,

most carriers have a limit of

$2,000 for watches and you

would have to pay the deducti-

ble also.

Question I. Yes, if he is living in

the dorm, his laptop is covered

under your home policy. See

your policy for more infor-

mation.

Question J. Flood and/or land-

slide coverage is a separate poli-

cy—so your homeowner policy

would not cover it.

Question K. Anytime you have

an insurance question!

Consider this – the minimum limits required by Washington State for auto insur-

ance is $25,000 per person for bodily injury and $50,000 per accident for bodily

injury along with $10,000 per accident for property damage. If you cause inju-

ries or damage above your policy limits, the money to settle the claim comes out

of your pocket. Few cards on the road are valued at $10,000 or less . Also hospi-

tal bills can quickly exceed $25,000.

It is the right thing to do

You are broke, and the saying “Can’t squeeze blood out of a turnip,” applies to

your finances. If you have an accident causing extreme damages, would you

want to pay for it with insurance money from proper auto insurance, versus

having to pay for it out of your pocket? This way, your assets and future earn-

ings are protected.

Keep the Insurance Company defending You

If you cause a large claim, your policy will cover the legal expenses if you are

sued. There is no limit on the amount of attorney fees that are covered under

the policy, therefore at least $50,000 of legal fees will be paid. There is a catch

however, the policy states that when the insurance company exhausts the liabil-

ity limit, they do not have to defend you any longer. If it appears that the legal

fees are going to be huge, the insurance company may cut their losses by paying

out the liability limits. In order to keep the insurance company paying for the

large legal fees – purchase high liability limits.

3

Buying higher auto limits is seldom important…

UNTIL IT IS.

Safeco Award of Excellence

John DeFranco recently earned the

“Award of Excellence” from Safeco.

This prestigious award recognizes

outstanding Safeco agents who have

superior underwriting skills. Fewer

than 5% of Safeco agents nationwide

receive this honor. John has earned

this award for 11 years running. This

honor is the result of doing things the

right way, providing our customers

with the best protection and services.

Customer Appreciation Day ~ June 11st 11am—2pm

Come visit us on Saturday, June 11th 11am—2pm for our 2nd annual Customer Appreciation

day. We will have documentation destruction available along with Junk B’Gone who will be take

your unwanted household items. Hot dogs, chips and refreshments will be served.

We hope to see you here.

PRSRT STD

US POSTAGE PAID

PERMIT NO. 5544

SEATTLE WA

DeFranco Insurance

5215 Wilson Ave S

Seattle, WA 98118

Phone: 206-723-1680

Fax: 206-723-3416

E-mail: info@defrancoinsurance.com

Our Policy is Service

Mailing Address Line 1

Mailing Address Line 2

Mailing Address Line 3

Mailing Address Line 4

Mailing Address Line 5

DeFranco Insurance

Our Policy is Service

Come visit us for the second Annual

Saturday

June 11th

11am-2pm

Document Destruction (Shredding) and

JunkBGone will be here, also.

Hot Dogs and refresh-ments will be served

What in the World?

The average number of licks to finish a single scoop of ice cream cone is 50.

A pound of coffee in New York that was sold in 1683 for the same as four

acres of land.

“Hippopotomonstrosesquippedaliophobia” is the fear of long words.

Until 1913, children in United States could be legally sent by parcel post.

The average human has 250,000 sweat glands in their feet.

Oxford University is older than the Aztec Empire.

There are more stars in outerspace than there are grains of sand on

every beach in the world.