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The Seattle insurance arena has been a wild one this season. Many Seattle business owners have been plagued with arson, threat of flood, record freezing temperatures, and low consumer spending adding to the burden of a tough economy. It is crucial that Washington residents secure their insurance because a loss of a home or business is nothing to brush off, for most of us, it’s our biggest asset. However we can look at an overview of the prominence of Seattle-area insurance claims has taken in the past 6 months.

3 tips for avoiding insurance claims in Washington state:

1) Expect the unexpected: This may sound cliche but it is the #1 rule that governs a smart insurance owner. I’m sure many of the Seattle business owners in Greenwood had no idea their very own neighborhood would be the target of a string of arsons causing over $2 million in damages to a handful of businesses. The point is that trends can spark up anywhere and can be confined to your area. If your home of business is in a low, valley area; a not-so-uncommon Seattle rainstorm can cause damage to your roof, walls, and basements even if the year before, things were fine.

2) Protect against a DUI: Now we’ve all heard this one before but listen up for a second… We all know .08% BAC is the legal limit. We see the signs everywhere- but how do we know what .08% FEELS like? Ask your parents this question, they won’t be able to answer and will go on about how ‘its just smart to not drink and drive’.

These are the little voices in the back of our head. However, from a practicality standpoint, there are times where we like to enjoy a drink at a happy hour after work or we drive to a bar that we like in Beltown when we live in Fremont and at some point, we must drive home. So, for these times that we have to get behind the wheel an hour or two after a drink how do we gauge our BAC?  Get yourself a good Breathalyzer! Not a $40 one, not a $70 one. Get a $120+ one, MINIMUM.  Do your research and find on that is approved by the FDA and meets DOT/NHTSA model specifications for breath alcohol screeners, this way you can start testing yourself and become more in tune with how you feel when over the limit. DUI’s cost thousands of dollars and eat up massive amounts of your time, a good breathalyzer costs a hundred bucks and can be shipped to your doorstep. Of course, this is no sure-fire way to not get a DUI besides the obvious, but the idea here is that you can begin to gauge what .08% FEELS like so you can then make smarter decisions about getting behind the wheel in Seattle. Washington state is very strict on DWI laws and will skyrocket your insurance premiums if given a DUI. Especially if you are young, becoming more in tune with your BAC level and the law can be one of the smartest investments of your life.

Know your coverage compared to state requirements-

If your cruising along in Bellevue with your 25/50/10 coverage limits and smash into a $150,000 Mercedes or hit a pedestrian and cause $200,000 in hospital care, you might be in big trouble with your insurance

Prostar Insurance does not write state minimums on Washington insurance policies for one reason, we don’t believe the state minimums adequately reflect what the majority of people need in protection. Whether it comes to your auto coverage or your business liability, knowing your coverage and adequately securing the right amount is key to success. Prostar Insurance knows what is adequate and will work with you to achieve these goals.

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2 Comments

  1. hey,you have a great site here! I’m definitely going to bookmark you! Thank you for your info.And this is insurance site. It pretty much covers insurance related stuff. 🙂


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