Heading to the lake or pool to cool off? Before you do read this. It just might save a life!!

Drowning doesn't always look like drowning!

Drowning doesn’t always look like drowning!

According to Francesco A. Pia, PHD, “There is very little splashing, no waving, and no yelling or calls for help of any kind”. Many drownings happen within 25 yards of a parent or other adult. In some cases the adult will actually watch them do it, having no idea it is happening. “Drowning does not look like drowning” – Dr. Pia,

Look for these other signs of drowning when persons are in the water:

  • Head low in the water, mouth at water level
  • Head tilted back with mouth open
  • Eyes glassy and empty, unable to focus
  • Eyes closed
  • Hair over forehead or eyes
  • Not using legs – Vertical
  • Hyperventilating or gasping
  • Trying to swim in a particular direction but not making headway
  • Trying to roll over on the back
  • Appear to be climbing an invisible ladder.

One way to be sure? Ask them, “Are you alright?” If they can answer at all – they probably are. If they return a blank stare, you may have less than 30 seconds to get to them. And parents – children playing in the water make noise. When they get quiet, you get to them and find out why.

Schreib Insurance Group

SIG is located in Bonney Lake and provides, free of charge, personal insurance quotes and options for the homeowner, renter and average Jo. Coverage options include but are not limited to: Individual & Family Health Coverage; Homeowners Insurance; Auto, RV, Boat, Motorcycle, and Life Insurance

Administrative Professionals Day

This morning as we sit at our desks, hopefully enjoying the morning sun, take a moment to thank those that make a difference in your offices and lives.  Personally, it would have been extremely difficult to start an insurance agency and build a career without all of those that helped us along the way.  For all of those that help keep business moving and improving the lives of others – Thank You!

Happy Administrative Professionals Day!

Schreib Insurance Group

SIG provides, free of charge, personal insurance quotes and options for the homeowner, renter and average Jo.  Coverage options include but are not limited to:  Individual & Family Health Coverage; Homeowners Insurance; Car, Truck, Boat, Motorcycle, RV & ATV Insurance; Renters Insurance and Life & Disability Insurance.

2015 Healthcare open enrollment is here!!

Despite a bumpy first day, the 2015 Healthcare open enrollment period is in full swing. If you’re looking to get on a qualified Washington Healthcare Plan or change your existing one?  Call us we can help!  As an agent listed on Washington’s Healthcare exchange (www.wahealthplanfinder.org) I can give you multiple plan options.

Proudly serving the insurance needs of the Bonney Lake / Lake Tapps area.

Schreib Insurance Group

www.schreibinsurance.com

253-365-6466

Get help signing up for a Washington Health Benefits plan here. We help navigate the waters for all your insurance needs.

What’s New at Schreib Insurance Group

We’ve had a busy summer here at Schreib.

New Motorcycle policies, homeowners and autos are on the rise.   One of the large national carriers that only sells direct decided to raise homeowner deductibles  from $500 or $1,000 to a percentage of the home’s value.  Concerned policy holders have read their polices at renewal and have looked at other brokers like us to help.   If you suspect this with your policy or you need a second opinion – we can help.

We also spent our summer getting involved in some great charities and motorcycle benefit rides to help the community.

Our most exciting news is the addition of our new baby girl, Grace,  who is almost a week old now.   Everyone is home, healthy and enjoying our amazing blessing.

 

 

 

 

2014 We are so proud to  take part in and support the 2014 Poker Run hosted by Odd Fellows Motorcycle Club.   Come join us or support us along the way and the varies stops we’ll be making.  If you’re already in Lake Tapps, Bonnie Lake or Buckley area we want to see you.

~ Schreib Insurance Group

Registration is at 9:30 at Buckley Eagles and our fist stop is at The Rock Wood Fired Pizza (Lakeland Hill) sometime between 11 and noon.

What typically has lots of muscle, is made of American steel and goes fast?

A Classic Car!

Hey classic car owners!  Schreib Insurance now offers American Modern insurance products!!

We’re talking collector car insurance here!bella

What’s great about this coverage is Agreed Value.  That’s the amount you say the car is worth when you start your policy.  That way there’s no depreciation and in the event of a total loss that’s the amount paid.

No one more than you knows how much has gone into keeping your classic in top-notch shape or even the amount of blood, sweat and tears it’s taken.  Not to mention the cost to do so.

The next best thing is the cost. It’s very affordable and because you might still be investing disposable cash into your project they have flexible payment options.

Vehicles that qualify:

  • Muscle cars
  • Classic cars
  • Antiques
  • Street Rods
  • Kit cars / Replicas
  • Race Cars
  • Motorcycles
  • Restorations in progress
  • Exotics
  • Customs
  • Trucks

Garage WorkDid you know that while your project or completed classic is in your garage your homeowners policy does not cover it?

Here’s a real world scenario:  A fire destroys a  home but the automobile (classic or not) sitting in the garage is destroyed.  Without auto coverage your vehicle is NOT covered.    How many of us car guys and gals know someone with a project in their garage that’s at risk?  Feel free to share this article with them.

A friend of ours is putting together a ’67 Camaro is his garage.  Although, it will be worth more when completed he has it insured for about $10,000 while it’s sitting their waiting on parts and work.  Based on the agreed value, he’s paying in the neighborhood of $200 a year which protects it from fire and provides coverage if he goes on a test drive.  It just makes sense to protect what we love.

If we can be of any service and answer questions about protecting what you love, give Schreib Insurance a call at 253-365-6466.

 

 

 

 

My car is totaled – How does my insurance reimburse me?

This is a very important thing to now about your insurance policy and something most of us never consider.   What if my car a total loss, how does my insurance reimburse me?

Policies and terms are different between insurance companies so consider this just a guide:

Actual Cash Value or ACV is very common on auto, homeowners, renters, motorcycle and RV insurance.   ACV is calculated by subtracting wear and tear and depreciation from the replacement cost.   Example:  if your car was worth $10,000 on a used car lot before it being totaled, but would cost $20,000 to replace with a new one of similar style and size, the ACV of your vehicle would most likely be around $10,000 – not $20,000.   Rock Chips, scratches, dents, etc. can all be considered into wear and tear.

Replacement Cost – is not common with auto insurance but some carriers have been creative with options in their polices to help their insured who opt in for an additional cost.  You will more often see Actual Replacement Cost with homeowners, renters and some motorcycle insurance policies.   Discuss this with your insurance agent / broker to improve your policy before you’re faced with a total loss.  Actual replacement cost does not calculate an items depreciation, age or wear and tear.  If your insured item has this coverage, if available, and it was worth $2,000 as a used item before it was damaged but would cost $10,000 to replace brand new the actual replacement cost of your item would be around $10,000.

Discuss the options available with your broker.  None of us plan on a total loss or even an accident but that’s why most of us have insurance in the first place, to cover the unexpected and worst case scenario.

We hope this helps.  If we can be of any help we would welcome the chance to.

Call Schreib Insurance Group at (253) 365-6466cropped-cropped-capture3.jpg