Gelker And Rohrer's Blog

Our agency has been reviewing auto and homeowners policies for a number of new clients who live in Costa Mesa and Newport Beach, California. One of the alarming constants is a lot of unnecessary liability exposure their current coverage has with low limit uninsured/underinsured motorist protection. 

Uninsured or underinsured motorist coverage can pay for injuries to you and your passengers, and in some locations damage to your property, when there is an accident and the other driver is both legally responsible for the accident and considered "uninsured" or "underinsured." An uninsured driver is someone who did not have any insurance, had insurance that did not meet state-mandated minimum liability requirements, or whose insurance company denied their claim or was not financially able to pay it. A hit-and-run driver also counts as uninsured as it relates to bodily injury (UMBI). An underinsured driver is someone who met minimum legal financial responsibility requirements, but did not have payment limits high enough to cover the damage they caused. In these cases, UM or UIM can pay you for your damages. It is important to note that uninsured and underinsured motorist protections are separate, but in California they must be purchased together. Please call our Agency if you would like to review your current coverage.

New clients Randy and Deborah Speer saved money and got better coverage with the Gelker and Rohrer Insurance Agency and Safeco policies. Our clients in Costa Mesa, California have saved up to 30% by combining home and auto policies with one of our companies. Randy and Deborah and their two teen age children increased liability limits on the auto policies and home property values while saving a significant amount of premium. Welcome to the GandR family.

Seems like everyday one of my seasoned colleagues announces that his son/daughter has just delivered another grandchild. The 30 somethings are starting their families. The birth of a child changes the dynamics of a marriage and shifts the thinking of the new parents into a protective mode. Car seats, bed bumpers, helmets, and the list goes on in collecting the gear to keep princess or junior safe from the risks of our fast paced world. We at the Gelker and Rohrer Insurance Agency think young families should consider getting one of the time honored protective devices for young families, life insurance. The big questions are how much life insurance and at what cost. At Gelker and Rohrer Insurance Agency we suggest using a simple income replacement calculation to arrive ...