With us, it's personal...

I can't count the number of times that I've entered a company as a customer and felt as though my business was of absolutely no value to them. Has that ever happened to you? I think it's safe to say that we've all experienced that type of poor customer service at some point in our lives. Here at Kelley Insurance Agency we strive to do the exact opposite.

The DNA of our agency is putting customers first and giving them that "wow" experience that keeps them coming back year after year. We work hard to make each customer feel valued and important, because our customers truly make our agency--without all of you, we wouldn't exist. We feel that taking the time to get to know each and every one of you to make sure that we provide you with the coverage that perfectly fits your unique needs is vital.

From working hard to find the best insurance for the best value, to responding to your requests or questions in a prompt matter, we do our very best to meet and exceed your expectations as a customer. In fact, we're available to serve you even after hours. Through our live answering service, we can be contacted 24 hours a day, seven days a week. Whatever your needs may be, we're here to provide you with a higher level of service than you've experience elsewhere. Come in today and see for yourself!

Until next time...

Personal Injury Protection...are you adequately insured?

Have you ever wondered if your personal auto insurance would cover you or your passengers in the event of an accident? If you have personal injury protection on your policy, also known as PIP, then you are in fact covered.

Basic PIP covers $10,000 for medical expenses per person while riding in a covered automobile if an accident were to occur. However, with the rising cost of medical care, are you adequately insured?

We recoment extended PIP to better protect you and your passengers. Purhcasing this additonal coverage would provide you with the following...

• Up to$35,000 per person in the vehicle for medical expenses incurred within 3 years of the accident regardless of fault
• Up to $2,000 in funeral expenses
• Income continuation
• Loss of services benefits for up to one year

Keep in mind that $35,000 is the maximum that will be covered per person for any combination of covered expenses.

Ease your mind by making sure that you and your loved ones are properly covered. You'd be surpised at how affordable this increased coverage is. Give us a call for a free quote! 360-966-3732.

Until next time...

Happy Friday....................

Well, it is Friday, and what a wonderful week it has been. We have had a mixed bag of weather, but I have to say, Whatcom County is a beautiful place to live due to just that fact. I am looking forward to my weekend ahead, and I want to wish you all a wonderful weekend as well. While you are out enjoying your time off, keep in mind that your friends here at Kelley Insurance are always available for you 24/7, for any questions or concerns you may have in regards to your protection plans. One of which may be medical insurance. Yes, we do write medical insurance as well. We have a wide array of options available for your review, whether it be group plans or personal plans. You would also be pleasantly surprised, "contrary to popular belief," at just how affordable medical insurance truly can be. Come on in, or just give us a call to get a free quote today.

Once again, Happy Friday, and have a wonderful weekend......

The rain is back, and the roads are wet again. Drive Carefully..

It is Thursday morning, and boy is the rain ever back! As I ventured out to work this morning, I couldn't help but notice that the roads are very wet once again. We all know, that when the roads have been dry for a while, and then get rained on, they become extra slick. I would just like to ask that you please drive very carefully. I would hate to see anyone injured in an addcident that could have been avoided by just decreasing your speed a little bit.
That leads me to this one very important fact about Auto Insurance. Just incase you are not aware, there is a protection available to you, in the unfortunate event of an accident with injuries that require medical attention for anyone in your vehicle. It is called Personal Injury Protection, or PIP. You can purchase $10,000 in protection, or for just a little bit more, you can bump it up to $35,000 in protection. For the minimal premium involved, this is is a must have endorsement to your auto policy. Please do not hesitate to call on us should you have any questions, or would like to add this to your current auto policy. Remember, we are here for you 24/7. Take care.

If not you, who will protect the future of the ones you love?

As I am sitting here looking back on the last year or so, it becomes ever so real that time truly does continue to march on. My two beautiful children have grown up, and made lives for themselves now. It is hard to believe that my son, who is serving in the Air Force is 22 years old, and that my daughter, who is 25 has a family of her own. Watching her with her baby daughter Kaehlyn(My Grand Daughter) of 10 months old, reminds me of the importance of looking to the future, and protecting the ones you love. Which by the way, brings me to a subject that can be a very personal subject indeed. Life Insurance..... Don't wait until (God forbid) a tragedy hits, before you start thinking about Life Insurance. It is then that people begin to question themselves, and the could have, would have, should haves begin to surface. Take a look at it now. You would be greatly surprised at just how affordable it can be. There are many different options available to you when it comes to this all important protection. Here is a brief overview, and a few examples of different types of policies that are available to you. This may aid in your search for just the right protection plan for you and your loved ones. Please do let us know if we can be of assistance to you as well. We are here for you 24/7.


1) Term Life Insurance:

A fixed rate policy with no cash value, which provides protection for a specific period of time (eg 20 years). If your alive when the term ends, there is no payout. This is usually the least expensive type of life insurance.



2)Universal Life Insurance:

A flexible policy, in which the cost of the premium, the savings value, and the coverage can change as your needs change.



3) Whole Life Insurance:

Combines life insurance with a savings plan, so it builds up cash value within the the policy. Premiums are fixed, and the policy remains in force as long as you continue paying your premiums.

Don't forget about your "Fairweather Toys"

Wow, how I love getting out there in the beautiful spring, summer, and yes, even the fall weather. If you are anything like me, this is the time of year we bring out what I like to call, my "Fairweather Toys". I know that many of us have motorcyles, boats, atv's, anitque autos and bikes, and so on, and so on...... When you get them out, clean them up and get ready to go out and use them, don't forget, they need protection too. Oh, and by the way, what a better place to come to acquire it, then from your Friends at Kelley Insurance. Get out there and enjoy yourself, but do it with the peace of mind that you, and all your toys are well protected.



Happy Trails

Kelley Insurance Agency is also licensed in California

It is Monday morning, and we are all back at work. What a beautiful first day of Spring on Saturday!! I hope you all got a chance to get outside. My Husband and I took our Motorcyles over to Deception Pass and watched a whale swimming just off shore. I was so wonderful. Reminded me a great deal of Nothern California. Speaking of California... Here are some interesting facts for you in regards to Uninsured Motorist Property Damage Protection in California. Don't get caught without proper protection...

California auto insurance offers drivers the opportunity to purchase protection against uninsured mortorists, with uninsured motorist property damage coverage. You automatically have uninsured motorist coverage for your bodily injuries, but not for damage to your vehicle. Here are a few tips in regards to this all important protection:

1) Good News!! If you have collision coverage with you vehicle, you have a $0 deductible according to California auto insurance laws, and the limit of your repairs is the actual cash value of your car. If you do not have collision coverage, but do have UMPD, your deductible is still $0, but the limit for repairs or replacement is $3500.

2)California auto insurance law requires that you make impact with the uninsured vehicle to qualify for UMPD coverage. So, if you are forced from the road by another vehicle, but never make impact with them, according to California auto insurance law, you do not qualify for UMPD.

3) It is imparitive that you understand that most California auto insurance policies do not automatically include UMPD. You must inform your agent that you want the coverage, and your agent will make an "endorsement" to your coverage to add it.

4)And last, but not least.... California auto insurance laws do not require that you have a police report to qualify for UMPD. However, you must either identify the other party, or have their license plate number to qualify for California auto insurance UMPD.

Be safe out there, and keep us in mind for all of your Insurance, (Protection) needs.

FRIDAY

Tomorrow's the day, the first day of Spring! I can hear the children playing in the park outside my open office window. The multi colors of greens budding out of trees and the bright colors of blooming flowers can't help but make one feel happy. Spring always seems to offer hopefullness and new beginnings. I hope that you have a moment to be outside and raise you face to the sun and feel a cool spring breeze pass over you. Whatcom County is a wonderful place to be.

May God give you...For every storm, a rainbow. For every tear, a smile. For every care, a promise. And a blessing in each trial. For every problem life sends, A faithful friend to share. For every sigh, a sweet song. And an answer for each prayer.-An Irish Blessing

Here we are in Daylight Savings Time with a fresh look at spring. When changing your clocks ahead an hour you should be changing the batteries in your smoke detectors. An inexpensive investment for your safety.
St. Patrick's Day is tomorrow so don't forget to wear your green!

Farm & Ranch Insurance: Whether you are a dairy or berry farmer, beef cattle or horse rancher, Kelley Insurance Agency has a variety of markets for your insurance needs. Be it milk contamination, chemical drift, scheduled farm and ranch equipment, product and personal liability protection, barns and buildings - we can do it all! In these tough, tight economic times, our area farmers and ranchers needs superior protection at an affordable price - we're here for you!

Auto Insurance: "I just want to buy the minimum on my car." If you own anything (car, pickup truck, money in the bank, a home, or any tangible property), your assets are in jeopardy with the "minimum." Should you be responsible for, or cause injury or damage that YOU are liable for, your $25,000 bodily injury liability per person/$50,000 bodily injury liability per accident, is just not adequate. Further, your $10,000 property damage liability won't be enough to repair/replace most vehicles on the road today. Imagine being responsible for damage to a Lexus, BMW, Cadillac - or even a newer FORD! The $10,000 limit is not going to do the job. With inadequate liability limits, the policyholder is responsible for that amount over and above your insurance limits. Horrors! The more assets you have, the more you jeopardize those assets with "minimum" auto liability insurance. Let the professionals at Kelley Insurance Agency advise you - we're in the business to Protect Your Financial Future TODAY!

A word from the "claims desk:" Very basically and broadly, insurance claims are described as "sudden," or "accidental," (a tree falls on your home - "suddenly;" your hot water tank bursts, sending water throughout your home, "suddenly.") You "accidentally" hit the garage with your car, or rearend the vehicle ahead, unable to stop in time in a line of traffic. We see insurance coverage questions on wet rot, dry rot, carpenter ants - nothing too "sudden" or "accidental" about these. Your insurance policy is in place to "indemnify" you, to put you and your home or vehicle back to its condition prior to the incident. Our work here is to gather the facts, as you know them to be, report them promptly and completely to the insurance company - a job we take very seriously. Call us anytime with your claims and claim questions - we are 24/7 in our effort to serve your insurance needs!

AUTO INSURANCE and the Young Driver: The "Good Student Discount" has MAJOR impact on rates, pricing, and premiums for the youthful driver in the household. This discount amounts to 15-20% reduction in insurance costs for our highest rated, most expensive class of drivers. The requirement is a "B" average, or better, and/or 3.00 gpa, or better. When a youthful operater on a driver's permit is about to become licensed, it is imperative to reach this threshold for the best pricing on the family auto insurance. Are the "smart kids" better drivers? Certainly not - but they are home studying more often, than out in the family vehicles with the potential of driving incidents/accidents. "Good Student Discount" - we recommend it highly!

Service - Service - Service - In our business, service is not ONE thing, it's EVERYTHING!Consult the insurance professionals at Kelley Insurance Agency for expert assistance in EVERY line of insurance - we do it all!

Here we are - early March - but we're still not finished with "winter," a time when auxiliary heating sources are still in use: woodstoves, fireplaces, propane stoves. Our recommendation here from "downtown Everson:" if you are a TENANT in an apartment, duplex, single family home, BUY RENTER'S INSURANCE! Is there a worse scene than tenants standing in the street, watching their home's fire being fought by the firemen, knowing full well, all their belongings in this world are now lost - all while wrapped in a "borrowed blanket." Don't let this happen to you! Renter's policies are generally $20,000 insurance on household goods and personal property, or more, annual premiums run from approximately $80 to $120., depending on the location, and a few "insurance details." A GOOD insurance buy.,....don't go without it! Give us a call for our professional help!

Financial Services

Woohooo....its Friday! Taxes are due in a few weeks and what a better time than now to start investing for your future. There are certain plans than can be of help when doing your taxes, and also helps you and your family at the same time. Contact your Financial Advisor for more information. We at Kelley Inusrance are more than happy to help you.

Earth Quake Safety Facts
Fact #3) Wooden Buildings are the safest type of construction to be in during an earthquake. Wood is flexible and moves with the force of the earthquake. If the wooden building does collapse, large survival voids are created. Also, the wooden building has less concentrated crushing weight. Brick buildings will break into individual bricks... Bricks will cause many injuries but less squashed bodies than concrete slabs. Concrete slab buildings are the most dangerous during an earthquake.

Earth Quake Safety Review

2) Cats, Dogs and Babies often naturally curl up in the fetal position. You should too in an earthquake. It is natural safety/survival instinct. That position helps you survive in a smaller void. Get next to an object, next to a sofa, next to a large bulky object that will compress slightly but leave a void next to it.

Earth Quake Safety Ideas

1) Almost Everyone who simply "ducks and covers" when the buildings collapse ARE CRUSHED TO DEATH. People who get under objects, like desks and cars, are crushed.