Seriously Good Car Insurance

Seriously Good Car Insurance

For Seriously Good Car Insurance visit: Scott Lynch Agency or call (317) 420-2867

Insurance Terms Made Easy: Subrogation

Watch this video to learn about Subrogation. For more information about insurance visit our website Scott Lynch Agency

Insurance Terms Made Easy: Subrogation

Insurance Terms Made Easy Subrogation

How to Get Your Kids to Play Outside

Playing outside used to be kids’ main form of entertainment. As a kid, I only went inside for food, water and much-needed sunblock.

These days, the explosion of personal cell phones, tablets and gaming devices means it’s harder to get your kids to play outside. And that’s unfortunate since playing outside gives children a chance to get physical activity and socialize with friends.

If you’re a parent, chances are you’re having a hard time peeling your kids away from TVs and touch screens. The next time your kids play the “there’s nothing to do outside” card, combat it with these ideas.

Good old-fashioned fun

Here are classic outdoor activities that most kids simply can’t turn down.

  • Host a water balloon fight: Water balloons are a cheap and easy way to cool off under the sun and get everyone outside. Have your child invite some friends over with a change of clothes and a towel. If you’d rather not deal with a mess, letting them run through the sprinkler is an equally fun alternative.
  • Create an obstacle course: On your mark, get set, go! See who can reach the swing set first after spinning around five times, hula hooping ten times and hopping over an outdoor cushion. The more creative you get, the more they’ll enjoy it.
  • Camp out in the backyard: Pitch a tent under the stars. Get the whole family involved by having a cookout or outdoor fire beforehand. Just make sure to put it out before heading to bed!

Try an app or two

Having an especially hard time getting your kids to step away from their favorite devices? Fear not, because there are ways to use the enemy to get your kids to play outside. Try one of these tactics and they’ll soon be heading out the door.

  • Catch ’em all with Pokemon Go: The popular new game allows players to digitally immerse themselves in the world of “pocket monsters” with just a smartphone. Since you have to actually move to find items, the kids’ll be off the couch pronto. See how many Pokemon they can catch around the neighborhood, just remind them to be aware of their surroundings!
  • Send them on a scavenger hunt: Give kids a list of items that can be found around the yard or, if they’re older, around the neighborhood. Instruct them to use their phones to take a picture of the item as proof they’ve found it.
  • Go geocaching: Geocaching involves finding a collection of hidden items. Make one out of an old Tupperware container with your child and then pick a place to hide it. The Android and iOS compatible Geocaching app helps users find caches and keep track of ones they’ve already found. This is an excellent activity for the whole family to take part in.
  • Do a little stargazing: There are numerous cell phone apps that help you identify constellations in the sky during different times of the year. Two that are compatible with both iOS and Android are Night Sky Light and Star Chart.

With a little creativity and a little planning, you really can get your kids to play outside this summer.

by Alex Buczynski on June 4, 2014

Original Article

The Hidden Cost of Car Ownership

When you think about the costs of owning a car, what do you think of – the gas, maintenance or maybe insurance?  Actually, depreciation is often one of the larger expenses of car ownership.

According to U.S. News & World Report, new vehicles lose value at an average decline of 15-25 percent each year during the first five years. And whether new or used, all vehicles lose value over time.  Since the rate of depreciation varies by vehicle model, it’s a good idea to take resale value into consideration when shopping for your new ride.

According to the experts at Kelley Blue Book, picking a vehicle with excellent resale value is very likely the most important thing you can do when it comes to keeping costs down.  Paying a fair price for the car and securing a good loan rate can be undone by poor resale value, because eventually you’re going to sell it or trade it in.

Cars that retain a higher value

If you’re car shopping this year, it appears that bigger vehicles are depreciating better. Trucks and SUVs appear in nine of the top 10 spots on the Kelly Blue Book 2017 Best Resale Value Awards. Per Kelley, while the average new vehicle will be worth about 33 percent of its original sticker price after 60 months, the top 10 vehicles on their list will return an average of 50 percent to their owners at resale time.

The Kelley authorities say that choosing a car with good resale value can often save you more money in the long run than going for big rebates and other incentives.

New cars that may lose value the quickest

To highlight the other end of the spectrum, Forbes magazine shared the results of a study conducted by the used-vehicle website Carlypso.com.  Among the top 10 vehicles expected to have resale issues were the Nissan Leaf, Dodge Charger, Volkswagen Beetle, Mitsubishi Lancer and Kia Optima.

A little research goes a long way

When you’re ready to shop for your next vehicle, it will pay to do some research on resale value before making an investment. Whichever new (or used) car you choose, Erie Insurance can ensure that investment is protected with a great auto policy at a great price. And we can help you take care of the depreciation issue, too, with a coverage endorsement that provides true replacement value if you have an accident.

It’s called New Auto Security, and you can ask your agent to add it to your ERIE auto policy. If you’ve had your new car less than two years and it gets totaled, ERIE will reimburse you the cost to replace it with the newest model year. And if your new car is in an accident but it’s not a total loss, ERIE will pay to repair the vehicle without a deduction for depreciation.

If your vehicle is past its second birthday, ERIE will pay the cost to replace it with another vehicle of the same model that is two years newer. That means the coverage is good to have no matter what the age of your vehicle.

Reaching out to a local Erie Insurance agent  is a good way to start your research. He or she can explain the coverage details and get you a quote.

A vehicle is considered new when it is less than two years old and is owned by the original purchaser. Eligible vehicles must carry both comprehensive and collision coverage, and the policy deductible will be applied at the time of a claim. Insurance products are subject to terms, conditions and exclusions not described in this post. The endorsement is sold on a per-vehicle basis, not per policy, and contains the specific details of the coverages, terms, conditions and exclusions. Coverage is not available in all states. Please refer to our disclaimer and talk to an ERIE agent for policy details.

 

by Nancy Daniel on June 6, 2017

Seriously good insurance

For seriously good insurance for your business or personal needs, call us at (317) 420-2867 or visit our webpage Scott Lynch Agency.

 

Auto Services Program

Being an auto service provider means you’re committed to providing your customers – and their cars – with reliable, quality service. With the Erie Insurance Custom Collection Auto Services Program you can count on ERIE and your agent to protect the business you’ve worked so hard to build. Contact me to learn more, Scott Lynch Agency.