DeKok Insurance Group, Inc.

507-226-8121 dekokinsgroup@gmail.com

Got a Classic?

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Hagarty specializes in collector/vintage cars and boats. They’re a company for car guys run by car guys.

Because they focus on classics, they are experts on valuation (their guys name is Rob) – which allows them to offer clients what they call Guaranteed Value Coverage. Their interest in classic vehicles includes knowledge on restoration, dealerships, storage facilities, and museums.

Hagerty’s Plus Roadside Assistance is an essential for collector owners. It covers flatbed towing, plus unlimited service for lockouts, battery replacements, and more – 24/7 in the U.S. and Canada.

I’m proud to represent this quality company here at DeKok Insurance Group. So far, I’ve been able to save my clients with collector vehicles money and I’ve given them superior coverage working with Hagarty.

If you’ve got a classic car or boat and want to know more, call me at 507-226-8121.

It’s a lot easier to enjoy the ride when you know you’re covered.

 

Jon

507-226-8121

dekokinsgroup@gmail.com

[tweetthis]Have a classic? #Hagerty #ClassicInsurance #Insurance #RochesterMN[/tweetthis]

Serving MN clients for almost 30 years, I specialize in home, auto, umbrella, business, and life insurance.

If you have any questions regarding your insurance or insurance in Minnesota, please call me at 507-226-8121.

Personal Injury Liability

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Have you ever heard someone slander another individual?

Most likely you have.  In a lot of  cases where someone talks or writes about someone else in a negative or hurtful way, no legal action is taken.  However,  In the world of insurance, we see the legal consequences of this type of behavior.

Here is Traveler’s definition of  “Personal Injury” in their HO-82 endorsement.

 DEFINITIONS

The following definition is added: “Personal injury” means injury arising out of one or more of the following offenses, but only if the offense was committed during the policy period:

1. False arrest, detention or imprisonment

2. Malicious prosecution

3. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor

4. Oral, written or electronic publication of material that slanders or libels a person or organization or disparages a person’s or organization’s goods, products or services

5. Oral, written or electronic publication of material that violates a person’s right of privacy.

Personal Injury liability coverage is an optional coverage on most homeowners insurance policies.  Please feel free to contact me to discuss further and see if your policy includes this protection.

Jon

 

dekokinsgroup@gmail.com

507-226-8121

[tweetthis]Personal Injury Liability #Coverage #MNInsurance #RochesterMN [/tweetthis]

The Red Car Myth

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Ford Mustang

You may have heard that red cars are more expensive to insure and are often “targeted” by law enforcement  officials. Let’s take a closer look at the what the statistics show.

More Expensive to Insure:

Insurance companies decide their rates based on statistics – not vehicle
color.

So why does it seem that red cars cost more to insure? To find the answer, we have to look at sales statistics. Sports cars are expensive and  because they cost more to buy, they cost more to insure. The colors that outsell the rest are (in this order): red, black, and yellow.

Another factor: drivers of fast cars tend to speed more often than others.

Targeted by Law Enforcement:

Again, when looking at the numbers, this is another myth, we can bust. Law enforcement officers are targeting speeders and a high percentage of people driving expensive sports cars prefer speed. If you put these people in a
car of any color, they will exceed the speed limits and get ticketed more often. Statistics show these drivers usually prefer red and black cars – with red again being the number one choice.

When you combine the sales and driving statistics, it’s easy to see where the myth of red cars comes from, but the numbers bust it.

Jon

[tweetthis]The Red Car Myth. #RedCars #MNInsurance #Statistics[/tweetthis]

Specializing in auto, home, umbrella, business, and life insurance.

Graphic purchased at fotolia.com  © -Misha – Fotolia.com

Cell Phones & Driving

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Distracted Driving

 

Most of us talk on our cell phones while we drive. This convenient source of communication is great in a roadside emergency, but it has a few dangerous negatives. Here are some facts I learned and want to pass them on to you:

  • According to the University of Utah, a driver talking on his or her cell phone while driving has the same response time as a driver with a blood-alcohol
    level of .08.
  • People who use cell phones while driving are 4 times as likely to
    get into accidents where they are injured.
  • Carnegie Mellon found that driving while talking on a cell phone
    reduces the amount of brain activity associated with driving by 37%.
  • Police report that 25% of the reported crashes involve a
    “distracted” driver. While not all of these distractions are caused
    by cell phones, the majority are.

In a recent survey, 8 in 10 drivers supports some kind of cell phone and driving restrictions. 80% would apply a ban on all texting while driving. 80% would also support a ban on emailing while driving. Most of the respondents wanted varying degrees of other restrictions, and the majority believes such laws should apply to all drivers.

Jon

507-226-8121

dekokinsgroup@gmail.com

[tweetthis]Cell Phones & Driving #DistractedDriving #DeKokInsuranceGroupInc[/tweetthis]

Graphic purchased at fotolia.com  © Igor S. – Fotolia.com

Deer in the Headlights

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If you have an accident with a deer, it’s easy to assume the claim will be filed as a collision – after all the animal and car collided right? However, a deer hit is covered by your comprehensive protection.

Other incidents usually covered under your comprehensive insurance: theft, vandalism, fire, natural disasters, and collision with animals.

If you have questions about insurance in Minnesota, give me a call or email me at jondekok@dekokinsgroup.com.

If you’re looking for quotes on your insurance, I am happy to tell you that 95% of the time I can offer you better polices at better prices.

Sincerely,

Jon

507-226-8121

dekokinsgroup@gmail.com

[tweetthis]Deer in the Headlights. #DeerHit #MNInsurance #Comprehensive #Collision [/tweetthis]

graphic purchased from fotolia.com  © Richard Waters – Fotolia.com