DeKok Insurance Group - DeKok Insurance Group, Inc.

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]

New Email Address at DeKok Insurance Group, Inc.

April 22, 2015 By Jon DeKok

We have a new email address! Please feel free to send your questions and requests for quotes to [email protected].

I look forward to hearing from you,

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.

Life Insurance Matters

April 6, 2015 By Jon DeKok

Photo and video credit.

When we received this video, we knew the sender had shared something special. Something we want all of you to think about. Because life insurance matters – sometimes even before you’re gone. Click the link below to watch this true-life story.

When Jackie Blanchard’s husband died at a young age, with only enough life insurance to pay for his funeral, Jackie vowed that her young daughters, Ebony and Shanna, would be financially secure if anything ever happened to her.

A Mother’s Wish Life Happens

Recently, we’ve lost friends who our age (in their fifties). While our first concern is their emotional well-being, we often wonder if they are financially protected as well. Unless we’re asked, it’s none of our business, but that part of the family’s future matters to us also. As our clients, that part of your insurance portfolio matters a great deal to us.

We want to be sure you and your family are well-covered in you saddest of days.

If you, or someone you care about, needs life insurance, give Jon a call at 507-226-8121 or email him at [email protected].

Until Next Time,

Joy

Joy DeKok, Marketing Specialist for Jon DeKok of DeKok Insurance Group

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]Life Insurance Matters #LifeInsurance #MNIndependentAgent[/tweetthis]

Your Farm Insurance – Why It Matters to Us

February 12, 2015 By Jon DeKok

Why does your farm insurance matter to us? For starters, Jon was raised on a farm between Hayfield and Stewartville in the Rock Dell township. Being a city girl, the farm fascinated me. I followed Jon’s dad around and asked him questions about cows, crops, and tractors. He taught me to drive his big John Deere and I baled hay with him and one year when he was injured, I helped prepare the fields for planting. It was a big deal to me because Dad DeKok trusted me with his tractor and his land.

To Jon, the farm was where he grew up, parked his first car (yes – it was a very cool 1970 Dodge Charger), learned how to work hard, and witnessed many of the personal and business principles he applies to life everyday.

It’s the place his heart will always call home.

These days Jon and I live on thirty-five acres and rent out around 15 to a local farmer. Like Jon’s dad, the crops planted and grown are soybeans and corn.

Although they aren’t our plants, we watch them and every year we’re amazed that one seed produces such abundance.

These are just a few of the reasons your farm insurance matters to Jon. And why we’re both excited that he’s added Nationwide® to the list of companies he represents. As the #1 farm insurer in the country, they understand that your agri-business is also your home.

So does Jon.

Why not give him a call and find out what he, and Nationwide®, can do for you? Jon will give you a quote and explain the coverage in detail. Call 507-226-8121 or email him at [email protected].

If you’d like us to send you out a brochure first, please either leave a comment here on the blog, or email Jon at [email protected] to request more information. The song says “Nationwide® is on your side. . .” and so is Jon.

Joy

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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]Why does your farm insurance matter to us? #MNInsurance #IndependentAgent #FarmInsurance[/tweetthis]

[tweetthis]It’s the place his heart will always call home. #FarmInsurance #MNIndependentAgent[/tweetthis]