The Vegas Voice 11-20

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Why I Have Insurance - Or Not!By: Jim Valkenburg / Insurance InsightMost of us pay hundreds, if not thousandsof dollars every year for our autoinsurance and never “use” it. Certainly, it canfeel aggravating that we are paying and payingand seemingly getting nothing in return.Then something happens! It could be as simple as backing into apole in the grocery parking lot. “Ah-ha”, you say – “Now I can getsome of that money back.”This is the time to stop and think. First, you have a collisiondeductible, so if the damage isn’t more than the deductible, you’vereported a claim that will not be paid. What if the claim amounts to$200-$500 more than your deductible?Do you really want to report an AT-FAULT accident to your insurancecompany for that small amount? Believe me, your insurance premiumwill increase dramatically more than the little you get back. Consider“eating” that loss.Let me give you a real life claim example.A client hit some concrete in a parking lot, damaged his car and noone else was involved. He put in a claim for under $600. This client hadaccident forgiveness, so it was not going to affect his future premiums.A few months later he had a “real” accident where another partywas hurt, and it was his fault. The one-time accident forgivenessprovision had already been used for a small claim so when he got hisCommunity Minded. Justice Driven.auto renewal, the premium increased by $1,000 every 6-months for thenext 3 years.Do the math – he is paying at least $6,000 increased premium whichwould not have happened if he had just paid the first small claim.When it comes to claims, and if no other person is involved withpotential bodily injury, it pays to talk to your agent about theramification of “using” your insurance for small incidences you canafford.For me,, I’d rather keep on paying never have to use it. What you’repaying for is piece of mind.Remember the fire extinguisher, spare tire and lifeboats. Things youare glad you have - but never have to use.Jim Valkenburg is a retired military officer and insurance executive.He and his wife owned and operated their own insurance agency forover 16 years. His primary purpose is to give out real informationthat can be used to make intelligent insurance decisions.The ONLY candidatein the race withJudicial Experience.The most qualifiedcandidate with over25 years of experiencein civil andcriminal law.www.Yeager4Judge.comENDORSED BY VETERANS, SMALL BUSINESS, WORKING FAMILIES & FIRST RESPONDERS• Hearing Master, 8th Judicial District Court/Civil Criminal Division• Former Judge, Las Vegas Justice Court• Founder, Las Vegas and NLV Community Courts• Adjunct Professor, Boyd School of Law• Former Team Chief, Clark County Public Defender’s Office• Instructor, Las Vegas Metro Police Crisis Intervention TrainingCOMMUNITY-WIDE SUPPORTPAID FOR AND AUTHORIZED BY FRIENDS OF BITA YEAGER46November 2020
You are a VIP.It’s time you’re treated like one.At myGeneration Clinics, you’re always a VIP(Valued Important Patient). Take advantage of primary careexclusively for Medicare Advantage patients.Twice the timewith your doctorA personalcare teamSame-dayappointmentsfor urgent needs30 convenientlocationsformerly HealthCare Partners NevadaSENIOR CLINICSTake 3 Easy Steps to VIP Care.Call 702-766-6379 today1. Select a myGeneration doctor and clinic near you2. Choose from select Medicare Advantage plans3. Be ready to enroll on October 15Join us for an educationalMedicare webinar.Register atmyGenAnswers.commyGeneration Senior Clinics accept patients with Medicare Advantage plans; not all plans accepted, call for details. Intermountain Healthcare, formerly HealthCarePartners Nevada, is a network of healthcare providers and clinics throughout southern Nevada and is now part of one of the leading health systems in the westernU.S. As a healthcare provider, we are dedicated to providing you with information and connecting you with a licensed insurance agent to help guide you in selectingthe best Medicare plan for your healthcare needs. ©2020 Intermountain Healthcare. All rights reserved.9582(9/20)P-V-VV47
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Page 4 and 5: 4November 2020PUBLISHER/EDITORPRESI
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The Vegas Voice 11-20

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