Eastern Washington Wildfires — What is going on?

The past couple weeks, wildfires have spread voraciously across eastern Washington State. Starting in Lake Chelan, the wildfires have killed three firefighters, and injured many. While many homeowners have been forced to leave their homes (level 3 evacuation = leave now), some refuse to lose their property and stand their ground. Even here in Seattle, we have witnessed the smoky haze that has blown over from the North Cascades.

The issue with the wildfires is how fast they are spreading. Currently, there are between 8-9 fires. On NPR this morning, only ~10% of the fires have been extinguished.

The other concern is the duration of these fires. Back on June 30th, we posted a blog regarding the wildfires in Eastern Washington. While fires were a large concern (this was when Washington experienced heat in the mid-90’s), they likely did not get sufficient suppression by the firefighters. Or, new fires have arisen since.

Either way, the latest winds have created hotter, more dynamic fire conditions. According to the Seattle Times, 630,000 acres have burned throughout Eastern Washington already. Most firefighters say the haze, smoke, and heat combination is do dreadful that they have to feel their way around.

Firefighters are employing new tactics, including creating fire lines that mark boundaries and “pre-soak” shrubbery to prevent fires from spreading any further. The fires have become so huge that Washington has called in the National Guard. National Guard Blackhawk helicopters have flown in fro Colorado, Utah, Wyoming, and Minnesota. The fires, however, have been so dense that helicopters have been unable to reach local operations bases, particularly in the Okanogan complex of five fires.

On Sunday, more robust winds have came through– 200 homes have been burned, more than 12,000 buildings are under threat, and the Okanogan complex of blazes has surpassed 244,000 acres, requiring over 1,000 firefighter personnel in that area alone.Currently, there is more than 1,000 miles of active fire in the Okanagan complex.

There are now ~700 members of the Washington national guard working with local firefighters to suppress the blaze.

Some other numbers:

  • The Carpenter Road fire in Stevens County grew to more than 35,000 acres. It is spreading to the Spokane Indian Reservation.
  • Firefighters are averaging 3 hours of sleep a night. Overall, the fire is turning into a marathon. Hopefully when winds die down and temperatures drop, the fires will dampen.

Another concern of the wildfires has come from spending.

Recently, Eastern Washington was granted $5.7 million to buy 10 new fire engines and hire crews. Lots of the US Forest Service budget, however, has been eaten up by firefighting expenses. According to the Seattle Times, in 2015, this year’s wildfire costs will consumer more than half the agency’s budget. Now, fire agencies are undergoing a practice called “fire borrowing”, in which the Forest Service is raiding other fire service programs to assist in the nearby fires. Overall, there has been over $73.6 million requested by the state Department of Natural Resources for total firefighting funding, $42.9 million requested for fire suppression, $20 million for forest health, and $10.7 million for budget for attack (crew/equipment).

Over 20 years, the cost of wildfires has increased drastically. According to the USDA, back in 1995, only 16% of the US Forest Service’s annual budget went to wildfires. Now in 2015, it is at 52%. In 2025, the projected percentage will be expected at 67%.

Source: The Seattle Times

We hope you have a fun (and safe) summer. Stay away from those wildfires, and we honor every firefighter who is sacrificing his life every day to save the homes and lives of many.

Sincerely,

Magnolia Insurance

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

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Iwakuma and his No-no… Still a window of hope?

Two nights, history was witnessed in Safeco Field. Hisashi Iwakuma became the fourth pitcher in Mariner’s history to throw a no-hitter (the Mariners threw a combined no-hitter in 2012, but does not match up to the feat of a single thrower). Iwakuma stuck out seven while walking three, allowing the Mariners to beat the Orioles in a 3-0 shutout. Incredibly, Iwakuma did not feel pressured to throw a no-hitter until the ninth inning when 3B Kyle Seager made an amazing over the shoulder catch into foul territory. Mariner’s catcher Jesus Sucre felt the no-hit intensity by the seventh inning.

Not many, even Mariner’s skipper Lloyd McClendon expected Iwakuma to throw a no-hitter. Battling with constant injuries at age 34, Iwakuma did not seem healthy enough to accomplish this feat. Iwakuma also does not have a fireball fastball that stifles hitters; his off-speed, however, is just nasty.

But when we look to Iwakuma’s past, he was up in the ranks for the Cy-Young award two years ago. Iwakuma seems to have finally gotten everything together after this recovery period. Unfortunately, he is up for free agency at the end of this year.

After this spectacular performance, what does this mean for the pitching staff, the Mariners and the fans? For being almost 8 games under .500, it definitely says a lot. For true miracles to happen, events like these must occur. Iwakuma’s effort cannot go to waste; the Mariners must contribute from here on out to back his effort. Starting with an away game today at Fenway, the Mariners will have to win the series against the Red Sox, as well as most others from here on out in order to gain a spot in the Wild-Card Race. Thankfully, previous MLB Commissioner Bud Selig allowed the top two teams in each division to face-off in the playoffs. The Mariners might just have a chance moving forward.

According to The Seattle Times, 3 of the 5 key plays that turned the table was (1), with one out, Iwakuma walked the first batter in the eighth inning and fell behind on a 3-1 count to the next batter. Luckily this batter grounded into a 6-4-3 double-play to end the inning.  (2) Kyle Seager racing over to the foul stands along the 3rd baseline, made a stunning over the shoulder catch, basket-style for one out in the ninth inning. (3) Oriole’s hitter Gerardo Parra hit a potential landing ball into-left-center; thankfully, Mariner’s center fielder Austin Jackson got a good read and caught the ball to seal the deal on Iwakuma’s no-hitter.

And now, for some unique fun facts about the Mariners and their no-hit history:

  • The M’s have had the last three no-hitters in the AL.
  • Accomplishing a no-hitter in the AL is commonly a tougher feat than the NL because of the designated hitters, who are very talented and skilled offensively. “There are no easy outs in the American league” quotes Lloyd McClendon.
  • Wednesday’s no-hitter was the second all-time by a Japanese-born pitcher in the MLB.
  • Safeco Field has seen four no-hitters in its history, including two perfect games. Chicago White Sox pitcher Phillip Humber was the other feat besides Felix Hernandez, who did it in the same year in 2012 at Safeco Field, against the Mariners.
  • For Hisashi Iwakuma, he is just getting started, he is just treating this majestic game as a stat– it was his first complete game, shutout, and no-hitter all in one.

Source: The Seattle Times

We would love to hear what you think about Iwakuma and the Mariners moving forward! Like always, you can call, message, or email us at Magnolia Insurance Agency.

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

Summer Options: Want a Boat?

As with most Seattle summers, boating is one of the most desirable things to do. Almost every day on Lake Washington you will see a boat going 25+ mph tugging a water skier, inter tuber, or just going for a booze cruise. Have you ever wondered: “Man I would really like to have a boat out here too!” We are here to answer that question.

To make a boating experience truly enjoyable, you should not need to worry about your safety and protection of others. In other words, similar to motor vehicles, investing in a boat demands insurance protection. Here are some things to consider when investing in boat insurance:

  • Navigation and Geography: How far will your boat travel on a day-to-day basis? What is your boat’s “coverage”? Some insurance plans vary on the amount of ground they allow a boat to travel.
  • Agreed Value Coverage: By having this insurance coverage, it maintains the value you bought the boat for (similar to cars, boats tend to depreciate in value over time), so if your boat happens to get stolen or vandalized, this policy will cover you boats full value, minus your personal deductible.
  • Liability Coverage: In case of an accident, boat liability covers other boaters or boats that get damaged if you are accused of causing the accident. Boating liability is an essential pillar of boat insurance, since it not only covers the physical restoration/replacement costs of over boats, but the property and assets of other boat passengers as well.
  • Medical Payment Coverage: Another pillar of boating insurance, medical payments cover the physical health and well-being of your passengers (if there is accident in your boat) and other boating passengers (if your boat caused accident in another boat– covers both personal and liability options).
  • Physical Damage Coverage: In case your boat watercraft, engine, seats, or other equipment in the boat gets stolen or damaged, this plan will replace it.
  • Uninsured/Under insured Boaters: Boat insurance is optional (but highly recommended!!!), and some boats are not covered/protected. Some boat insurance policies have uninsured watercraft protection, which protects you and your passengers if you are hit by an uninsured boat.
  • Fuel Spills/Sinking (S.O.S.!): Sometimes the worst can happen. If your boat engine leaks fuel into the water or starts to sink, this can cause very problematic legal and environmental issues. As a boat owner, you are lawfully required to clean up this mess. Make this job easy on yourself by opting for this insurance coverage (known as “Fuel Spill Liability” or “Wreckage Removal”).
  • Personal Asset Protection: Some boat insurance policies are so specific that it can even cover your smaller, personal assets that you have in the boat, such as jewelry, phones, wallets, clothes, swim equipment, and other small items. These limits can vary by state, so talk with your local insurance provider to find out this information.
  • Unattached Equipment Coverage: This plan protects items that are not physically attached to the boat, but are used mostly on the boat– water skis, inter tubes, fishing equipment, oars, and fire extinguishers are several examples of unattached equipment coverage.
  • Emergency Assistance: In case you boat breaks down in the middle of a body of water, this pays for emergency towing, fuel refills, loaned batteries, etc. Furthermore, this is the coverage for “disabled” boats.

While there are many options to choose from for boat insurance, the best ones to consider are those covering the health and safety of you, your boat, your passengers, other boats, and other boating passengers. More importantly, if you are investing in a boat, you can call us at Magnolia Insurance Agency, and we can get you to find the most suitable, appropriate, and affordable boat insurance coverage. Once the insurance is squared away, you can have as much fun as you want on the water– we have you covered!

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

Seattle Seahawks: What’s the deal, literally?

After February, it has been a disheartening time for Seahawks fans. Arguably one of the worst play calls in NFL history, Seattle has never been so quiet in the late winter. Many diehard Seahawks fans planned to “hibernate” until next season. During this off-time, however, coach Pete Carroll seems unaffected, and his attitude likely transferred to the players. Coach has admitted he could not sleep ~2-3 days after the super bowl, but for such a devastating play that lasted 5 seconds, much coaches would suffer much longer.

Carroll’s attitude has not stuck with many Seahawks fans, since he is often blamed as the perpetrator of the play call. But again, his recovery period has shocked everyone. During the summer offseason, the Seahawks made a blockbuster trade with the Saints to acquire all-star tight end Jimmy Graham in exchange for Seahawk’s center Max Unger. While Graham will provide better offense, the Seahawk’s offensive line will suffer. Unger was the one of the best, most reliable center snappers in the NFC, and possibly in the NFL. Let’s be honest, the Seahawk’s offensive line is not very good, and without Unger, we are travelling in some deep waters. The Seahawk’s weak offensive line explains the reason for Marshawn Lynch’s physical running style– the offensive line is not mobile and tactful enough to block defensive targets, so Lynch’s only option is to run through them.

As a result of Lynch’s physical running style, it is harder on his body; this is why Lynch plans to end his career in Seattle after this year. Even after Lynch’s career, he seems to have an optimal lifestyle with his profitable “Beast Mode” clothing line and charitable funds for children in Oakland.

Jimmy Graham will provide excellent mid-field offense and red-zone availability, but again, without skilled linemen like Unger, the rush will be intensified and shortened for QB Russell Wilson. Speaking of Wilson, he just accepted a 4-year, $87.6 million extension with the Seahawks; this includes a $31 million signing bonus and ~$60 million of guaranteed money as of this morning.

When we ponder the phrase, “What’s the deal?” in the title, we do not question the talent and ability of the Seahawks. The Seahawks still undoubtedly remain one of the best teams in the NFL because of their speed, teamwork, size, and overall capability to win games (adapted from the common 12th man phrase: “Bigger Faster Stronger Louder”). The deal is literally translated as the money contracts, the extensions, and the requests from the Seahawks players.

Yes, we understand that most people could use extra money, but being a pro-athlete where you are already making a comfortable salary, is the money request really necessary? All this money talk puts a stamp on your talent and ability, but aren’t the Seahawks grounded on teamwork and helping another out? The contract bonuses and extensions seem to take away from the natural competitive drive of football, and it pressures other teammates to behave in a similar fashion.

Pete Carroll and John Schneider have satisfied most Seahawks fans, and this is because they are establishing long-term contracts for the faces of the Seahawk’s organization: Russell Wilson, Marshawn Lynch (and now Jimmy Graham), Richard Sherman, Earl Thomas III, Kam Chancellor, Bobby Wagner, and Michael Bennett.

Here is a comparison of the Seahawk’s recent contracts, by the numbers:

Russell Wilson: Just signed a 4-year, $87.6 million contract extension.

Earl Thomas III: Last year, signed a 4-year, $40 million contract.

Richard Sherman: Last year, signed a 4-year, $56 million contract.

Kam Chancellor: Currently requesting a new contract (boycotting Seahawk’s training camp practices), signed a 4-year, $28 million contract in 2013.

Marshawn Lynch: Just signed a 2-year, $24 million contract (contract might be altered– depends on how much longer he will stay before retirement)

Jimmy Graham: Acquired this year from the Saints, signed a 4-year, $40 million contract in 2014.

Bobby Wagner: Just signed a 4-year, $43 million contract extension.

Michael Bennett: Last year, signed a 4-year, $28.5 million contract.

Overall, the Seahawks are still one of the best teams in the NFL. However, it is important for the players to realize that a successful team does always not come from money. The 12th man is integral to the Seahawk’s success, and our fan base is unlike no other. Let’s keep it that way, and the players need to focus on the game– the 2015-16 season is almost a month away!

Have a different perspective or opinion? We would love to hear your questions, comments, and overall feedback. You can always contact us at Magnolia Insurance Agency.

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

The Prospective Cascadia Earthquake: A Summary by the Numbers

By now, many of us are familiar with news regarding the imposing Cascadia earthquake that is projected to strike the Pacific Northwest in the next 100-500 years. The New Yorker is one of the best articles written on this subject, and we wanted to provide you with just the cold hard facts from this article to save you time (the official article is over 15 pages long). The original article can be found at:

http://www.newyorker.com/magazine/2015/07/20/the-really-big-one

For reference, a 30 second earthquake has a magnitude of 7.4-7.6. A minute-long earthquake has a magnitude of 7.8-7.9. A two minute-long earthquake has a magnitude of 8.2-8.6; a four minute-long earthquake has a magnitude of ~8.8.

The recent earthquake in Japan serves as a good reference to the Pacific northwest, demonstrating the moving continental plates and seismology levels in the Pacific Ocean. The Japanese earthquake was at a 9.0 magnitude, going longer than 4 minutes; this is expected to be the same for the Pacific Northwest. The Japanese earthquake killed more than 18,000 people, and cost an estimated $220 billion.

The scariest aspect of an earthquake in the Northwest is not the shaking itself, but the tsunami that rolls in. The water is supposed to come crashing in from the Puget sound, flowing all the way east to I-5 approximately 15 minutes after the earthquake begins. The boundary of this earthquake is not defined by the well-known San Andreas line, but instead by the Cascadia subduction zone, which runs for 700 miles off the coast of the Pacific NW, starting in Northern California and continuing through Vancouver, BC. The Cascadia Zone got its name from the Cascade Mountain range in the NW.

In Washington, we are living on the North American tectonic plate. Adjacent to Washington (on the west) lies the Juan De  Fuca plate, which embodies the pacific ocean. About 500 miles west of the Juan De Fuca Plate is the Pacific plate; this connection represents part of the “ring of fire”, which composes roughly 542 volcanoes in the Pacific ocean shaped like a ring of fire. Currently, the Juan De Fuca plate is slipping under the North American plate (this movement is characterized as the Cascadia Subduction Zone). Eventually, the Juan De Fuca plate can only slide so far under until it hits the unbudgeable mass at the center of the North American plate, this bumping and breaking of rocks (when both plates hit) will cause “the big one”, that is suspected to happen in the Pacific Northwest anytime in the next 500 years. This quake is suspected to be between magnitudes of 8.0 – 9.2, depending on quickly and how much the Cascadia Subduction Zone gives way to the Juan De Fuca Plate slipping under– the more and faster the Plate slips under, the greater the magnitude; the less and slower the Plate slips under, the smaller the magnitude. See pictures below for further reference:

Source: Wikipedia (I know, its Wikipedia, but it provides excellent visual explanation and understanding)

By seeing the closest picture above, we can see that the Cascadia Subduction Zone stretches from Northern California to Vancouver B.C. The worry is not necessarily the earthquake, but the tsunami that is supposed to follow 15 minutes after the earthquake strikes. This wave is supposed to be 700 miles long, and would easily take out coastal towns and cities that are west of I-5. The projected deaths of this earthquake is supposed to reach ~13,000, along with 27,000 people injured and 1 million displaced residents.

Supporting evidence for this impending earthquake comes from the ring of fire. With constant high magnitude earthquakes occurring in the ring (magnitudes usually of 9.0 and above), it serves as evidence for a high magnitude earthquake due near the Pacific NW.

Source: Oregon Department of Geology and Mineral Institutes

The ring of fire is truly a ring of subduction zones– with the colliding, sinking, slipping, compression, and tension of various oceanic plates going beneath continental plates, mountains form; this demonstrates and explains all the highly active volcanoes in this treacherous area.

Surprisingly, seismologists today have gathered much of their research and evidence from ancient Japanese and Native American records of historical earthquakes. Using trees (western red cedars in the “ghost forest”) as reference marks,  as well as Native stories of earthquakes, seismologists concluded that the Pacific NW has experienced 41 subduction-zone earthquakes in the past 10,000 years! From these numbers, the recurrence interval of Cascadia earthquakes is 243 years (see timeline above). This time period is not ideal because it allows mankind to build an entire civilization, which will soon turn into rubble and/or get drowned.

Currently, we do not have the infrastructure to resist earthquakes and tsunamis, so the best way to prepare for this situation is to learn how to respond. A compressional wave will strike the Pacific NW, which will feel like a sudden jolt to humans. This wave occurs ~60 seconds before the actual shaking; this will allow earthquake warnings and sirens to sound throughout the region. In this time, it is ideal to remain in your home, underneath a doorway/beam or under a table.  Here is a by the numbers summary of the earthquake impact:

  • Unless protected, anything glass will shatter.
  • The electrical grid will fail.
  • Bookshelves, lamps, computers, cannisters will fall down.
  • 75% of all structures in WA state are not designed to withstand a major earthquake; the larger structures in particular will likely collapse.
  • 1 million buildings are projected to collapse. 3,000 of them schools.
  • Half of all highway bridges in the Cascadia region/subduction zone will collapse.
  • 2/3 of Cascadia railways and airports will collapse.
  • 1/3 of all fire stations will collapse (in Cascadia subduction zone).
  • 1/2 of all police stations will collapse (in Cascadia subduction zone)
  • 2/3 of hospitals in Cascadia will collapse.
  • 30,000 Seattle homes will experience land slide and/or liquefaction (where solid ground behaves like liquid).
  • 15% of Seattle is built on liquefiable land.
  • On this liquefiable land, there is 17 day-care centers, and 34,500 residential homes.
  • Altogether, this shaking will trigger fires, flooding, pipe failures, dams, and hazardous-material spills.

And the disaster is not over yet. There is an even bigger danger approaching: the tsunami. About 15 minutes after the shaking, the tsunami is supposed to strike the coast. This is practically unsurvivable. The closest way to survival is to get to high ground as fast as possible. In other words, even if you think you are high enough on the downtown Seattle hill, keep running east to Capitol Hill, the flooding is supposed to stop just west of I-5; Capitol Hill is just east of I-5. Ultimately, depending on location, one will have between 10-30 minutes to get out (if west of I-5). Since the earthquake will cause impassable roads and mishap panic-alert accidents, leaving on foot or bike is the best option. One will not have time to grab belongings or searching for others; JUST GO. You run for your life. Here is some tsunami stats by the numbers:

  • The average person is knocked over by ankle-deep water moving at 6.7 mi/hr. The tsunami will likely be moving at ~15 mi/hr when it hits.
  • The tsunami height will vary depending on the coastal elevation. The wave height could max out at 100 ft.; if you live in an elevated area, the wave could still pass through at 20 ft. high.
  • The tsunami wave will look like the whole ocean elevated, overtaking land.
  • The tsunami will not be soft– it will be a 5-story deluge of waste, trucks, doorframes, concrete blocks, boats, utility poles, and other fatal material.
  • The entire tsunami devastation will be so vast, that one must be in  the international space station to see the disaster in its entirety.
  • Just east of I-5 and in its corridor, it will take 1-3 months to restore electricity.
  • It will take 1 month – 1 year to restore drinking water and sewer service.
  • It will take 6 mo. – 1 yr. to restore major highways.
  • It will take 18 months to restore health-care facilities.
  • Those a little west of I-5 will spend:
  • 3-6 months without electricity
  • 1-3 years without drinking water/sewage system
  • 3+ years without hospitals
  • For those who remain in the tsunami inundation zone, estimates are inapplicable because the area will be uninhabitable for years
  • The economy in the Pacific NW will collapse– much of the government owned infrastructure and systems will go to waste (all those tax dollars would go to waste!). Private and public businesses in their previous inundated location could not operate any longer. This results in an economic shutdown; many essential businesses that are crucial to the functioning, transportation, and defense of this country, will falter (e.g. Boeing, Starbucks, Amazon).

Casualties from the tsunami:

  • Same numbers as earthquake (which included tsunami) — 27,000 injured, 13,000 dead.
  • ^^ These stats are based on a winter Seattle day. If the earthquake struck in the summer, where residents flock to coastal beaches, the numbers would be much higher.

A large theme that comes to focus is the issue of health and safety. While current society is wrapped up in the latest technological innovation or current fad, we are not thinking ahead about the long-term defense, stabilization, and protection of our country for the future. Yes, we have a strong military. Yes, we have a prosperous and growing economy. But when a region is at risk for a natural disaster, shouldn’t we build from the inside-out? By having earthquake-resistant and stable infrastructure, as well as a carefully crafted water/sewage/industrial engineering system, the potential devastation could be significantly reduced. Our country must think deeply about the future and its natural threats.

We hope you gained a greater insight by reading this article. Remember, if you suspect a tsunami, run to the nearest and highest ground as quickly as possible for your own safety. Much of this article was summarized from the extensive and popular New Yorker:

http://www.newyorker.com/magazine/2015/07/20/the-really-big-one

If you have any questions or comments, please contact us at Magnolia Insurance Agency.

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

How Credit Cards Affect Rental Car Insurance

There are so many waiver claims and insurance policies out there that it can get very overwhelming. To keep it simple, we will examine only two things:

1. The rental car collision damage waiver (CDW), also known as the loss damage waiver (LDW) — this you have the option to fill out when renting a car.

2. Credit cards: Visa, MasterCard, Discover, Escape, Chase Sapphire Preferred, United Mileage Plus Explorer, American Express

The LDW is the form that many rental car companies urge you to fill out in case an accident occurs, since it covers physical damage to the vehicle, loss of use, and diminished value. Read the quoted text below from one of our previous blogs to learn more about the LDW:

*””SHOULD YOU PURCHASE THE LOSS DAMAGE WAIVER (LDW)?

It’s always a cost/benefit decision, but my suggestion is typically “YES” pay for the Loss Damage Waiver (LDW). When you sign a car rental agreement, you are willing to pay for:

1. Physical damage to the vehicle (i.e. collision, theft, hit and run)

2. Loss of Use – time that the vehicle is out of service to repair the damage

3. Diminished value – decrease in the value of the vehicle due to the damage the vehicle has incurred.

If you have comprehensive and collision coverage on your auto policy, it will extend to a rental vehicle with the same coverage and deductible that you purchased on your auto policy. It will NOT cover LOSS OF USE AND DIMINISHED VALUE. Without the LDW, you would be responsible for your deductible, loss of use and diminished value  of the rental vehicle and that can mean thousands of dollars and a lot of time and disruption on your part. “”*

To gain more insight on this topic, go to: https://magnoliainsuranceblogs.wordpress.com/2015/06/26/does-my-auto-policy-cover-a-rental-car/

And now, you are all wondering, “How does my credit card affect rental car insurance?” The answer is, it depends on the type of credit card you own.

Visa: Most visa cards cover theft, damage to the rental car, towing and loss-of-use charges for customers who do not have a personal auto insurance policy. If you have a Visa credit card and do not own a personal auto insurance policy, you do not need to fill out a LDW. Visa however does not cover injury, property damage and damage to other vehicles. For those with auto insurance, Visa will reimburse the deductible as well as some other charges not covered by the insurer.

MasterCard: Also excludes coverage of injury, property damage and damage to other vehicles. Its insurance coverage varies by the issuing bank.

Discover: Offers primary coverage (means that renters are covered even if they have their own car insurance).

Escape: Offers primary coverage

Chase Sapphire Preferred: Offers primary coverage

United Mileage Plus Explorer: Offers primary coverage

American Express: Card holders have opportunity to pay one-time fee per rental of $16 to C$25 to change their coverage from secondary to primary coverage.

NOTE(s): Many credit card companies require renters to refuse the CDW offered at rental car counter.

  • Also, typically, only physical damage to the rental vehicle due to a collision or theft is covered, but injuries to you/others is not – these injuries are covered by those with auto insurance policy; those without auto insurance should look into getting the rental car company’s personal injury coverage and/or a non-owner liability policy offered at most insurance companies.
  • Loss of personal items/assets is usually excluded.
  • Credit cards do not provide coverage in Australia, Ireland, Israel, Italy, New Zealand, and Jamaica. Keep these countries in mind if you ever travel to them..
  • When paying for the rental car and its appropriate insurance coverage and waivers, the entire transaction must be in the name of one cardholder. Just like personal insurance, rental cars are no different- one must take individual responsibility for the entire vehicle.

Source: http://www.insurancejournal.com/news/national/2015/07/07/374253.htm

We understand how all this insurance language can get very confusing for the reader, so if you need any clarification or have questions, please let us know.

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

Remember your 2015 New Year’s Resolutions? Stick to ’em!


It’s July 21st, and we’re already more than halfway through 2015. It is summer in Seattle, providing beautiful sunny weather to have fun, play along the water, go to social gatherings and get-togethers, go on vacation, spend time with family, and much more. However, we must not forget the long-term goals each of us established for this year.

Usually, most people forget, or drop out of their New Year resolution ~2 months into the New Year. Not many are able to sustain their long-term goals; however, achieving these goals result in greater fulfillment, happiness, and satisfaction. Whether your goal is physical and/or mental, you will achieve the mission if you set your mind to it. Let your friends and family know how important this goal is to you.

In current society today, most people are looking for the easy, short way out of difficult things. The truth is, to accomplish any challenging task, time, commitment, and effort is required. To stick to your New Year’s Resolution, you must commit to it every day. We also must keep in mind the importance of patience when embarking on such tasks. Sometimes, success takes time. Perform everything in moderation, but be sure to leave open suitable time every day to work on your specific 2015 Resolution.

A common practice to help achieve goals is to be organized, both in your time and appearance. Keeping your room or office space tidy helps put you in a simpler, cleaner mindset to get things done. Sticking to a daily routine helps enforce timely organization. It is also important to consider the amount of time you spend on different tasks. Keeping a time log of your daily schedule helps you target areas that could use more/less time; it particularly helps you find times when you can work on your New Year’s Resolution.

In the end, accomplishing any goal or resolution must come from within. Doctors, nutritionists, advisors, mentors, and trainers can only offer advice (and short-term help); they cannot micro-manage your daily life.

Resuming or starting a resolution is never too late! Don’t wait until next week; start it today. You can do it.

If you have any questions or simply need more motivation, don’t hesitate to call us at Magnolia Insurance Agency.

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W McGraw St
Seattle, WA 98199