Auto Insurance - DeKok Insurance Group, Inc.

Deer Hit

January 6, 2016 By Jon DeKok

I was heading home from my insurance office one evening shortly before the end of the year. We live about 12 miles North of Rochester. It was dark out since evening comes earlier this time of year. I could see a couple vehicles on the opposite side of the road facing me. I was traveling at about 55 miles per hour. Several feet ahead of me there was a large dead deer laying across my entire lane. With no time to avoid hitting it, I went over the top of it.

One of the vehicles on the opposite side of the road had hit the deer before I came along. I was glad to see that the driver was out of her car on her cell phone.

My first thought before I ran over the deer was – shoot! – I have no way to avoid this. My second thought was – I hope there’s no damage on my car, and my third thought was I’m so glad I have good insurance coverage. You see, I had just purchased this low mileage, no rust vehicle only a week earlier from a private party in Arizona on EBAY.

I took the car to my mechanic (Jason at “Bird’s Auto Repair”) to lift up on his hoist to check it out. I am happy to say – other than the terrible mess, there was no damage.

Since then, the car has been through about 10 car washes with underbody included.

Fact – Even though hitting an animal in the road is technically a collision, it is covered under “Comprehensive” (other than collision) coverage on your auto policy.

If you would like a quote, please call 507-226-8121 or email or me at [email protected].

We’re all looking for a good value. You will find it at DeKok Insurance Group.

Jon

DeKok Insurance Group, Inc. Referral Program: When you tell your family and friends about your positive experience with my agency, and they call for a quote, I’ll send YOU a $20 gift card.

Fear of Turning in an Auto Insurance Claim

August 25, 2015 By Jon DeKok

Clients often ask, “How will this auto insurance claim impact my insurance premium?” Your concern is a valid one, and I want you to know that as an independent insurance agent, you have options.

There are many types of auto insurance claims. They range from small ones like “Roadside Assistance” all the way to “Bodily Injury Liability”. Most insurance companies increase your premium if you have a chargeable claim (where you are are considered “at-fault), and the damage goes above their threshold. Some companies will forgive this surcharge if you have been insured with them 3 to 6 years.

One of the popular endorsements that many insurance companies now offer is designed to give you peace of mind concerning turning in an auto insurance claim.

This coverage has different names depending on your company. It is accident forgiveness and minor violation forgiveness coverage. This endorsement protects you from an increase in your auto insurance due to a chargeable accident and/or a minor violation. Typically this is based on a three-year term.

Check your coverage to see if you have this coverage, or feel free to call me at 507-226-8121 or email me at [email protected] for a review.

Sincerely,

Jon DeKok

DeKok Insurance Group, Inc.

DeKok Insurance Group, Inc. Referral Program: When you tell your family and friends about your positive experience with my agency, and they call for a quote, I’ll send YOU a $20 gift card.

[tweetthis]Claims & premiums #AccidentForgiveness #AutoInsurance #IndependentAgent[/tweetthis]

[tweetthis]What is #AccidentForgiveness? #independentagent #AutoInsurance [/tweetthis]

On the Road Again

June 30, 2015 By Jon DeKok

We love to ride.

For Jon and I a good date night is us in the front seat, the dogs in the back, hot coffee (from Caribou), an audio book we can listen to, a tank full of gas, and a clean windshield. Although Willie Nelson’s “On the Road Again” could be our theme song, The Oak Ridge Boys singing “The Boys Are Back” is our favorite start to a road trip. We always talk for part of the trip and sometimes we sit in comfortable silence. Drivers who pass us often smile – not because of us – but because Sophie is perched in the back window and Tucker is watching out the side one behind Jon.

Favorite destinations include, but are not limited to, Red Wing, Lake City, Wabasha, and Lanesboro.

And the windshield matters almost as much as having enough gas in the tank.

We prefer the scenery to smudges and bug gunk. They take away from the panoramic view and enjoyment that’s part of recreational riding. (Jon agrees so this isn’t a marital problem.) A chip or a crack are terribly distracting.

And in Minnesota, if the windshield is damaged to the point that it impairs the driver’s vision, a law enforcement officer can issue a ticket.

Here are a couple of links to help you decide if it’s time to fix yours. . .

Windshield Replacement Laws

Minnesota Laws on Windshield Replacement

All of the companies Jon represents offer what is called Full Glass Breakage Coverage. To find out if you are already covered, call Jon at 507-226-8121 or email him at [email protected].

The cost for this coverage is reasonable.

If you have a chipped or cracked windshield and have coverage, here are the steps you can take to get your claim started:

Call your insurance claims department. If you don’t have the number, call the office and we’ll give it to you.

All of the insurance companies have local glass companies normally they work with. However, if you have one you’d like to work with, you can check and see if your company works with them. Glass companies serving in and around the Rochester area that we recommend are: (these are NOT listed in any specific order nor are we endorsing one ove the other)

Abra Auto Body & Glass

Safelight Auto Glass

If you have any questions, call Jon at 507-226-8121 or email him at [email protected]

We hope you enjoy your next road trip.

Joy

DeKok Insurance Group, Inc. Referral Program: When you tell your family and friends about your positive experience with my agency, and they call for a quote, I’ll send YOU a $20 gift card.

[tweetthis]On the Road Again #WindshieldRepair #MNInsurance #RecreationalRiding[/tweetthis]

[tweetthis]Your windshield matters as much as the gas in your tank. #MNInsurance #WindshieldRepair[/tweetthis]

Your Vehicle Insurance Needs

March 27, 2014 By Jon DeKok

DeKok Insurance Group insures vehicles with two wheels to twelve!

As an independent insurance agent, I work with many insurance companies and can help you compare protection and prices to find the coverage and value that’s right for you and the vehicles you own. Whether your insurance needs are for hitting the winter trails, taking a summer drive, or the everyday commute, I can help you find the right insurance to keep you covered when you’re on the go.

I have a question for you, if I could save you a substantial amount of money, and/or get you better coverage would you be interested in a QUOTE?

Here are some of the vehicles the companies I represent cover. If your’s isn’t listed, please call me.

Auto Insurance
Motorcycle Insurance
ATV and Motorsport Insurance
Classic Car Insurance
RV and Mobile Home Insurance
Boat and Watercraft Insurance

Your insurance needs are unique. Do you have any insurance questions? Ask here on the blog in the comments or email me at [email protected]. Or call my office at 507-226-8121. I look forward to answering your questions.

Jon

DeKok Insurance Group, Inc. Referral Program: When you tell your family and friends about your positive experience with my agency, and they call for a quote, I’ll send YOU a $20 Target gift card.

[tweetthis]Your insurance needs are unique. #Insurance #AutoInsurance #RochesterMN[/tweetthis]

[tweetthis]I can help you find the right insurance to keep you covered when you’re on the go.[/tweetthis]

Make the Most of a Classic Car Show

July 29, 2013 By Jon DeKok

Summertime there are dozens of classic car shows in Minnesota. These automotive events are a great way to kick start your weekend or vacation. Several times during the summer classic car enthusiasts get together in Pine Island, MN.

Some people attend classic car shows as spectators to check out unique and rare vehicles. Others go to connect with fellow car buffs or to show off their prized possession. And some attend shows to shop or to sell.

Whether you’re planning to shop, sell, show, or just go, here are some tips for making the most of a classic car show.

Family fun. Larger classic car shows typically feature entertainment, food vendors, raffles and more. Bring the whole family for a day of fun.
Plan. Take note of the event schedule, plan before you go, and make sure you’re aware of the hours for check-in.
Be the early bird. If you’re entering your automobile in a competition, sign up early. Most are limited to a certain number of entries, and it’s usually first come, first served.
Know the value. If you are planning to sell or buy, you must be well versed on the value of the vehicle and the market conditions. Buying or selling a car—especially a classic—can be an emotion-driven experience. Knowing the facts is essential if you are to get the right deal.
Need parts? Some larger car shows also feature a swap meet. Before you go, research the show and take note of car accessories and parts you might need.
Get some rest. Larger car shows can sprawl for miles upon miles. Make sure you’re rested, hydrated, and fed so you have plenty of energy for a long day of roaming.
Pack a bag. Be prepared to get the most out of the day by bringing along what you might need for the weather – from coats to sunscreen – and for your basic needs – from water to snacks.

Whatever your reason for attending the next classic car show, I hope these pointers will ensure you make the very most of it.

If you own a classic car and want the best coverage available, call me at 507-226-8121 or email me your questions at [email protected]. I represent Haggarty Insurance and others who provide the best coverage available for you classic.

Jon

Email: [email protected]

Phone 507-226-8121

DeKok Insurance Group, Inc. Referral Program: When you tell your family and friends about your positive experience with my agency, and they call for a quote, I’ll send YOU a $20 gift card.

[tweetthis]Car Shows #AutoInsurance #IndependentAgent #MNInsurance #CarShows[/tweetthis]

Better coverage. Better prices.

Jon DeKok has been serving insurance clients for over 30 years. He specializes in home, auto, umbrella, recreational vehicle, business, and life insurance. He is licensed in the state of Minnesota.