What is an Umbrella Policy? – Chesterland OH

Hi, agent Barb Luczkowski. What is an umbrella policy? And do I even need one?

Barb Luczkowski Well, an umbrella policy is a blanket of coverage that goes on top of your existing policies, whether it’s your home, your vehicles, maybe your toys, or a boat. Umbrella, it’s additional coverage that kicks into place if needed. So the big question is, do I need it, or should I have it? Well, that depends on everybody’s situation. And usually, when you accumulate things, it’s a consideration. Or do you have teen drivers? Teen drivers present more exposure. Or perhaps you’re a business owner. Business owners also have more exposure, even to the point, whether it might be just a small business or a professional, like a CPA, attorney, or doctor. And then lastly, assets. Do you have assets that are greater than 250,000? We should definitely have a conversation if you fall into any of these categories. Thanks.

Call Luczkowski Agency Insurance and Financial Services in Chesterland, OH at (440) 729-4042

How Does Towing Work? – Chesterland OH

Hi, agent Barb Luczkowski. So, I think I have a flat tire, and I need a tow. What do I do?

Well, you have a couple of options. The first thing is, if you can safely pull off to the side of the road so that you’re not blocking traffic and keeping yourself safe, that’s the first thing you want to do. Then you want to be able to assess where you’re at, but you should have your ID card in your car or maybe in your wallet, which will have the 800 number in for the claims department. The claims department has a towing division, which can arrange for a tow where you’re at. However, if the wait might be an hour, you also have the option to call a local tow company nearby, make arrangements with them, pay for that tow, get the receipt, and then submit it to your agent or your agent’s office. And then, in turn, we would submit it in for reimbursement, and you’ll get that cash within the next seven to 15 days.

Awesome. Thanks for the help.

Call Luczkowski Agency Insurance and Financial Services in Chesterland, OH at (440) 729-4042

Business Insurance Coverages – Cases #1 and #2 – Chesterland OH



What insurance does a small business actually need?
Much of a business’s success depends on how well it can overcome obstacles.

Luczkowski Agency Insurance and Financial Services is here to help guide you through the perils that you likely don’t anticipate.

Bad Luck Case #1
In this example, the hefty legal and judgment costs would have been covered by Hired and Non-Owned Auto Liability Insurance, up to purchased policy limits.

Bad Luck Case #2
ACME had Worker’s Compensation Insurance that covered Julie’s expenses, but not Colleen’s. The state identified that ACME had misclassified Colleen, which led to hefty penalties and judgments for medical costs and damages.

Call Luczkowski Agency Insurance and Financial Services in Chesterland OH at (440) 729-4042

Business Insurance Coverages – Cases #1 and #2 – Chesterland OH



What insurance does a small business actually need?
Much of a business’s success depends on how well it can overcome obstacles.

Luczkowski Agency Insurance and Financial Services is here to help guide you through the perils that you likely don’t anticipate.

Bad Luck Case #1
In this example, the hefty legal and judgment costs would have been covered by Hired and Non-Owned Auto Liability Insurance, up to purchased policy limits.

Bad Luck Case #2
ACME had Worker’s Compensation Insurance that covered Julie’s expenses, but not Colleen’s. The state identified that ACME had misclassified Colleen, which led to hefty penalties and judgments for medical costs and damages.

Call Luczkowski Agency Insurance and Financial Services in Chesterland OH at (440) 729-4042

What Auto Insurance Do I Need? – Chesterland OH

 

Carlee: I have a couple of questions for you today regarding auto insurance. So my car is a bit older. It’s a 2007. Do you think I should get full coverage or can I get liability only on my car?

Barb Luczkowski: Well, it kind of depends. If that’s your only vehicle to use for transportation, and if that vehicle was in an accident and you would still need to be able to get to work, you would have to carry full coverage to get it replaced and also have a rental car. But usually, our rule of thumb is if the car value is 2,500 or less, that we suggest that you go to liability only because you would of course have to replace that car if it was totaled.

Call Luczkowski Agency Insurance and Financial Services in Chesterland OH at (440) 729-4042

Click Here To Download Our Accident Brochure!

Homeowners Insurance From Luczkowski Agency Insurance and Financial Services – Chesterland OH



Do you have any questions about homeowners insurance coverages? We’d be happy to help!

Call Luczkowski Agency Insurance and Financial Services in Chesterland OH at (440) 729-4042

The Advantages of Our Workplace Supplemental Benefits Offerings – Chesterland OH



Did you know that there is a solution to rising healthcare costs that can save both employees and employers money?

Call Luczkowski Agency Insurance and Financial Services in Chesterland OH at (440) 729-4042

What To Do in the Event of an Accident. – Chesterland OH

Hi, Agent Barb Luczkowski. This is Carlee, and I have a couple of questions for you today regarding auto insurance. What steps should I follow in the event of an accident?

Barb Luczkowski Well when an accident does occur, everyone naturally is a little bit panicky. You know, was it your fault? Was it their fault? Is everybody okay? What we’ve done is we’ve actually put together a brochure that if you go to our website, luczkowskiagency.com, you can print off the little form and stick it right in your glove box or on your visor. So if something does happen, you can grab it. But basically just to go over it with you real quickly, you just want to check to make sure there are no injuries for either party. And if there are, of course, call an ambulance or the police. You want to move your car if it’s any kind of traffic hazard. But what’s most important is that you make sure and you exchange information with the other party, you’ll want to get the driver’s name and also their phone number. Take a picture of their license plate and their driver’s license number and get their insurance carrier and policy number.
With that information, at least we’ll be able to figure out what the best process is if it’s something you need to file under your own policy or file under the other carrier’s. So many times the police will come and say, “Just tell your insurance company. They’ll be able to take care of it.” Well, we can’t take care of it if you don’t have the information of the other party. And it’s just the date, the time, the location of the accident, the driver’s name, the vehicle type, the insurance policy number, and the police department, and the report number. And then we can definitely get you set in the right direction.

Call Luczkowski Agency Insurance and Financial Services in Chesterland OH at (440) 729-4042

Tragic Mackey Family Story (The Impact of Life Insurance) – Chesterland OH



Don’t let what happened to the Mackey Family happen to yours.

Call Luczkowski Agency Insurance and Financial Services in Chesterland OH at (440) 729-4042

5 Main Reasons For Financial Devastation – Chesterland OH



Can you guess 5 main reasons we see families needlessly suffer financial devastation? Watch and find out!

Call Luczkowski Agency Insurance and Financial Services in Chesterland OH at (440) 729-4042