YOUR INSURANCE CONNECTION

Unknown Speaker 0:00
You're listening to locally produced programming created in KU NBC Studios on public radio K, u and v 91.5. The following is a paid program sponsored by your insurance connection. Please be advised that the voices and opinions you hear do not necessarily represent the views of K u and v Las Vegas, the University of Nevada, Las Vegas or the Board of Regents of the Nevada System of Higher Education.

Unknown Speaker 0:32
Good morning. This is your insurance connection. I'm your host, Donald Marquez, on your insurance connection. We talk about saving money on auto insurance, homeowners insurance. Yes and we talk about life insurance. Welcome to the show.

Unknown Speaker 0:52
Good morning Las Vegas and all the surrounding communities. This is your insurance connection. I'm your host Donald Marquez on this very special Sunday morning is Super Bowl Sunday. I can't wait to the game I like the Eagles I like both teams. But I do like the Eagles favorite a little bit wow it's gonna be a good Superbowl I think it's gonna be a great game to watch as long as my home's is healthy. I also want to give a congratulations to LeBron James for his scoring king of the unit. For the NBA Excuse me. For the NBA. He beat Kareem Abdul Jabbar is record Tuesday and congratulation King James because now he's all time leading scorer of the NBA. That means he is every time he scores a point. He increases the record of 38,000 It was a lot over 38,000 points to beat Karim's record. I was there when Kareem actually broke wilt Chamberlain's record here at Thomas and Mack Las Vegas, Nevada. That was 39 years ago back in 1984. My wife and I attended the the basketball game and we had no idea that it was going to be that event where Karima DOOL Jabbar broke, will change the scoring record and went on to be the the scoring king of the NBA. So it's a wonderful accomplishment to see records broken, I thought it would never been broken at over 38,000 points. But LeBron James did it and congratulations to him. So many exciting things happening in our community. We have Kim it in the desert 10th annual celebration, February 17 through the 18th at the West Las Vegas Library, to honor African American History Month, black history month or whatever you want to call it. Okay, but it said West Las Vegas Library of February 17 to the 18th 7pm. For more information, contact 702229 arts 702-229-2787 My name is Don Marquez, this is your insurance connection, just want to pay it forward a little bit. And welcome to the show. If you listen to the show, we broadcast ready to kill you in the 91.5 Jazz and more Sunday morning from 8am to 830. And I also want to thank the customers that came in that listen to this program and came in and purchase home auto and life insurance. Thank you so much for your continued support. And a licensed insurance broker I offer insurance is a life insurance, auto insurance, renter's insurance, boat and motorcycle insurance. Now, auto insurance in the state of Nevada, as you will know we we have to have auto insurance to drive a car. And if you want to compare rates, we can sit down and compare rates. Now if you've been with your company for over three years, we can sit down and compare rates and see if we can offer you you a favorable deal. If not, you know I'll tell you stay with the insurance company you have. That's happened many times in my 28 years. I've told people stay with the current insurance company that you have. But you know, sometimes we get speeding tickets, even if you get a DUI. If you receive a DUI, let me tell you, you need to stay with your insurance company for for at least 36 months because now you can an sr 22 Because your license was suspended perhaps and you need to carry an sr 22. It's a certificate of financial responsibility. Now DUIs they get little expensive they can cost you up to $8,000 or more. Because you know it gets very expensive now your insurance rates probably will go up. So if you're celebrating today, you're going to celebrate later on just think about you know what I've had enough drinks or maybe you want to catch a you know some transportation home other than driving yourself because you know the police is going to be out they're going to be watching for people that's weaving in and out of traffic because you know the Superbowl is like a holiday. It really is because people are You know, they get their friends to get together they drink and have a good time. And now we all have to get in our cars and go home. And sometimes you know, you've had a little bit too much to drink you impaired in your driving abilities. You know, there's not as good as they were, if you were sober, keep it in mind. You know it, they are out looking for you. Now that kind of mad because they're not at home watching again. So they're out and about watching you. They'll pull you over and give you a ticket and to maybe even take you detain you with a DUI. My name is Don Marquez, this is your insurance connection 702 to 362624 702-236-2624. I'm a licensed insurance broker representing multiple insurance companies for auto insurance, life insurance, homeowners insurance, but boat and motorcycle insurance. Now if you have a classic car, what I'm understanding is they're changing the laws with the classic vehicle. That means you have to have classic car insurance. I'm still investigating exactly the the true definition of what that means. But what I do understand what the DMV is doing, they're trying to get rid of the cars that's like 20 years old and they can't pass mob but they have this plate on their car to drive without being smug. And their cars over 20 years old. Or you know and but you know, sometimes that can work and sometimes it works against the people that like myself that has a classic card is driving less than 5000 miles a year with my classic car vehicle now, if you have a classic card is 30 years and older. I do offer classic car vehicle insurance. But what my understanding now, all the classic cars will have to have on the ID card classic car insurance. I'm still investigating a little bit but people are finding out they're calling me from the department of motor vehicle and asking me about this new insurance. Why do we have to have to categorize classic car insurance do offer it 702-236-2624 702-236-2624 My Location is on the corner of Sahara Rancho. In the US Bank building located on the eighth floor 702-236-2624 I get my phone number out a lot. Now Jessica was with me last week she'll be with me hopefully the following week. b She's on a cruise. She's out and about having a good time. And she has a birthday cruise coming up as he had a birthday. And so she's taking a cruise. And we wish her well and happy birthday to Jessica on her birthday cruise. Her birthday is this Friday, it was last Friday. And she's celebrating and then we're going to celebrate with her as well. You know, as an insurance agent I've seen a lot over the years people come to see me and they have concerns about their car insurance. They talk about it all the time, the money they're paying for the car insurance but what I look at is your coverages. I look at your coverages to make sure you have the right coverages. Now, if you're a homeowner, you really shouldn't be can stay minimum requirement on your homeowners on your auto insurance policy because you are a homeowner, you are a homeowner. If you get an accident or you know you cause harm to others, you want to expose yourself you don't want to expose yourself knowing that someone can come back and you know of course they'll collect from the insurance company they'll you know an insurance company will try to protect you. But you know the laws are yet they still can come after your personal assets if their bodily injury exceeds what the insurance company wants to pay. Keep that in mind. You want to increase your coverages. If you look into software, car insurance, you want to bump your coverages up a little bit if you care to state minimum which is only $25,000 per person $50,000 each occurrence $25,000 property damage now the property damage is not your property damage is the property damage that you caused to others. Now the uninsured and underinsured motorist is when someone hits your vehicle without insurance will take you into passengers for your bodily injury. Now most of you do not carry medical insurance on your car insurance because you're you already have medical to work or may you may have Medicare and Medicaid and you don't care the medical non American medical on most policies will carry medical up to the certain dollar amount you just the minimum is $1,000 in coverage and it goes up to $25,000 in medical protection, but the but today's prices in the hospital I'm gonna taste I'm $1,000 and medical protection is not a lot that usually pays for the paramedics and that's about it. And now if you don't have any health insurance, you should carry medical on your car insurance. Now the bodily injury the first line of insurance As bodily injury that does not protect you, it protects the passengers in your vehicle and people you injure as a result of you being at fault in a car accident. Now the property damage is not again not for you, it's for property that you damage in a car accident. It could be another car, it could be, you know, you went into a building a fence is just one example. When you take out insurance, you have to listen to the insurance agent to understand the coverages that you have. What is comprehensive, comprehensive is wind, fire, theft, vandalism, fallen objects on your vehicle, that and it covers you to when you go to the carwash.

Unknown Speaker 10:45
And then people come up to you and wipe your window and this and they see these little dents in your window and your windshield. And they said, Well, you know, we can get that taken care of free, it didn't cost you anything, your insurance will pay for it, and it will, but it does accumulate that is a claim that you are filing, they are falling in your behalf. Now, if you have a lot of those, you may need to replace your windshield, if you have a lot of cracks. But this is how they get paid, they get paid every time they put that little solution in your windshield for the small crack to prevent the crack from getting larger. But when they charge, you know the insurance companies, it accumulates and let's say you have like five or six claims on it, you could have bought a windshield for that. But what it does for your insurance, it could cause your insurance to go up. You need to look at your windshield, if you need to replace it, they're really affordable. Sometimes you may even have glass protection on your auto insurance policy. If you have a low deductible, you know, if your windshield needs to be replaced, use that now if you have $1,000 deductible and comprehensive and more than likely you're going to end up paying for the windshield. Now what I do I when I write a policy, what I like to do is put at least 100 Or maybe $250 on comprehensive deductible. Because now if you do have to pay for a windshield, it's not gonna cost you that much money. Now, what is the difference between $100 deductible and comprehensive and $1,000 deductible is not that much, it really is not that much money is a you'll be surprised with 1000 would have $1,000 deductible you you're really saving, okay, what it costs to buy, let's say a, you know, a hamburger at in and out. That's what you're saving probably annually. Really I mean, it's not that big of a it's not that big of a difference, what $1,000 deductible so you're not saving that much you're saving about what a hamburger costs you're at one burger cost you in a year, versus having $100 deductible, it says that, you know, it's not a whole lot of money. Collision. This is where you save the money. Now I do when I write a policy, I do like to put $1,000 deductible or $500 deductible on collision. Now if you can turn a $50 deductible on collision, you're paying a lot of money for car insurance, you really are. Now why would you want why would you want a higher deductible on collision. Because when I tell my clients when you are in a car accident, and it's your fault, you when you go to the body shop, they're gonna ask you who's paying for it, are you paying for it or the insurance can be paying for it because the body shops want to put that $1,000 deductible or $500 deductible right in their pockets. Now what you can do is when when the Justice shows up, you can ask for a cash settlement, they'll minus out your deductible take my check to the body shop they asked you who's paying for this you are the insurance this I'm paying for it. Let's say you have $3,500 and your damage is only $2,500 Now, you're not gonna pay your deductible you've been settled and you have $1,000 extra in your pocket. Now if you don't know what to do with the money I do my number is 7022362624702 to 362624 This is News You Can Use I've seen it happen over and over again. Well people take out a cash settlement they in the minus the deductible from the cash settlement and usually it's enough money to take care of the damages. Now most adjusters will come out the add a little extra in there for unseen damages to your vehicle. Just in case the vehicle is not on the lip. That's it Okay, well we had a front fender right fender damage. This is going to add up this much money to get it for repair pain, it may get you back on the road. Now if you had row if you have roadside service and your car can needs to be towed. Tell the tow truck driver, you're gonna call your Roadside Service, do not let them take your car, they'll put an impound, and they'll charge you a fee to impound your vehicle daily. That's right, and they don't treat your car real nice to my understanding, and they impound now if you're impeding traffic. You pick up the phone and you contact your Roadside Service. Or if you have a separate roadside service from the auto insurance, call them and your motor clubs, call them up and say I'm impeding traffic I was in a car accident, I don't want the police officer to contact the tow yard to put my car in impound, I want someone else to come out and take my car, anywhere you want to take it, you're going to have a ticket to your favorite body shop or you can even take a haven't taken it to the car dealership or even take it to your home. But you don't want them to tow your car away. unless it's absolutely necessary, which in most cases is not because you don't have roadside service. That's when they tow your car away when you do not have the roadside service. But I've seen in my years, my many years in this business, people haven't Roadside Service, and let the police officer call the impound truck to take your car to the Empire. And then and then have to go pick it up, they charge you a fee, and you look at your cars and look at all these additional damages to my vehicle 702-236-2624 702-236-2624 I'm a licensed insurance agent, I can help you understand this to the process, breaking it down to you line by line what these coverages do for you. Now, I know a lot of you wouldn't listening to this program. So well you know, I have full coverage on my car I'm not worried about if something happens, I have full coverage. If you don't look at your policy, how do you know whether you have full coverage or not? You know, a lot of times two people must make the mistake of having a collision and comprehensive and of course, you're going to have bodily injury that's required. The collision and comprehensive is required if you have a loan on the vehicle. If you don't have a loan on your car, then you it's your option to carry collision and comprehensive. I cannot imagine that Karen uninsured and underinsured motorist on my auto insurance policy. This protects you when someone's driving without enough insurance cover you and the passengers for bodily injury. It is like a health insurance. So if the when they hit you, and all of a sudden you know your your bodily injury is $100,000. But they're carrying only the state minimum of 25,000 per person 50,000 Each accident. Now that's the difference is $75,000. This is when you now can use your uninsured motorist protection to cover the medical bills. No one gets up in the morning and say you know what, today I think I might have a car accident. Or do they? I

Unknown Speaker 17:14
think I'll be in a car accident. You know, I want somebody to hit me that doesn't happen that way. So some people tell me Well, you know, I've never been in a car accident never happens to me. What makes you there was so special. It can't not happen to you. People don't get up on having car accidents. It just happened. And when it happens, you quickly find out whether you have cut rate car insurance or not. You know, people always looking to save money and all the commercials on television, you know, have you think well, I can save money 15 minutes to save me so much. You only pay for what you need. I've heard the slogans they're pretty catchy, you know a little mayhem on the road. Well, ma'am means you don't have enough protection to cover those incidents. That's the ma'am. That's the that's the part about car insurance is the ma'am, finding out you underinsured. Let's have an insurance review no obligation insurance if you do not charge for insurance reviews where this home auto life insurance. There's no fee to come see me 702-236-2624 702-236-2624 My Location is on a corner of Sahara and Rancho in the US Bank Center. Located on the eighth floor, I'm here to help you. I want you to better understand insurances, now we can save you money. Because I represent multiple car insurance company let's go for it. Let's not let's go for now. Sometimes, you know, we all live on a budget. And in your car payment is due, let's say on the ninth of each month, or and your insurance is due on the ninth of each month. So what we could do is make your car insurance payment, different due date, we can have your car insurance payment on a different date, we can adjust that. So you will not have a lapse in coverage. For instance, for an example, I had a gentleman come in his car insurance due date was on the ninth of a month now but his payment is remedied retirement check came in the third Wednesday of the month. So what we did when we cancel this and when he cancelled his policy, we have had his policy go into effect on the 18th. So when on his previous insurance company, we told him do not cancel the policy until the 18th. Now his policy was due on the ninth so he had to pay nine extra days to get his policy counsel on the 18th. Now if you follow this, you would have to get confirmation from your current insurance company to get confirmations. I do not want to lapse in coverage. I want confirmation that you're going to cancel my policy on the 18th That's what I told him and he was okay with it. And that's what he did. Now does not create a lapse in coverage. Your policy continues because in the state of Nevada, this is how it works. If you call your insurance company or anywhere if you call your insurance company they will I have new insurance canceled my policy, I have a new insurance and they said what what is what is the effective date of the new policy? Well, I don't know. And they'll say well send me in a declaration page so we can see or they may not. What they'll do is is cancel your policy that date you called in. But let's say your your payment your policy has already lasts three days. So when your due date is the ninth but you call in on the 13th. So now you have four days you could have a lapse, but your policy starts on on the 13th or even 15 and 18. You want to make sure when you switch an insurance companies, you do not create a lapse in coverage. Now the insurance company that you select a new company that I select for you, I'm gonna make sure that there's no lapse in coverage even if I have to get on the phone and talk to your current insurance company. Now they will go they're going to want a declaration page declaration page protects you and also it protects them. That way. There's no lapse in coverage in the state of Nevada they charged like $250 or something like that for per car. If you have three cars that's $750 for the first 30 days, that's a lot of money if your policy lapse one day. And now if you have these 30 day, car insurance policies 30 days every 30 days, you know you get a new ID card, we need to sit down and have a conversation because that's so easy to for you to lapse every 30 days because keep in mind and this month, we only have 28 days. So you don't have a full 30 days. Some months we have 3030 days, some months we have 31 days. We want to make sure when you switch insurance companies that there's no lapse in coverage. My name is Dawn Marquez, if you're just tuning in for the very first time I broadcast radio K u and v 91.5 jasm noir Sunday mornings from 8am 830. I love you know, to meet you to sit down and have a conversation with you about your insurances. Now we'll bundle the home and auto together or the home and renter's together to give you the bundle to reduce your cost of auto insurance. Now if you're going out buying those really very expensive high end luxury cars or sports cars, you know you should check on what the insurance or car insurance is going to be before you make that purchase. Now if you go into the dealership and they tell you you know you're buying a pre owned vehicle, or you know and they say well you know the cars you know this out of warranty that we went out we don't have a warranty with the car but you can purchase a warranty and but you know you putting down what you're putting down and you bought the car and now they tell you you know the warranty is gonna cost you this much. You can shop for the warranty you can have a separate payment from it for the warranty. Because buying the warranty you may create a lapse in coverage. If you put enough down on the vehicle, right you may not need the GAP insurance, the gap insurance on top of the warranty can get very expensive. I've talked to car dealers that were they're charging almost additional $8,000 and up to a four a you know a warranty plus your payment it gets very expensive. You can shop for pretty decent warranties separate from your car payment. So big big I'm telling you this because it may create a lot a gap in your in your payment. You have to pay for the gap you have to pay for the warranty and you have to make the car payment and the interest on top of that. So you can shop for a warranty. Now I don't offer any car insurance or any Car Warranty for for mechanicals. I don't offer any of that. However you can go online yourself and shop it keeps us separate. And keep in mind when you add a warranty onto your car payment you're paying interest on top. Think about it. Now if you don't want these cars new another 5789 $10,000 for the warranty and the warranty is gonna only carry you for a limited time. You're paying interest on top of that money. This is News You Can Use My name is Don Marquez. This is your insurance connection 702-236-2624 702-236-2624 located on the corner of Sahara and Rancho in the US bank center my business hours are Monday through Friday from 10:10am to 5pm. And I will work some Saturdays I know a lot of you probably work during the weekday from nine to five and you can't get come in to see me I will work over sometimes I will work a little over but of course I don't work on Sundays because you know this son is Super Bowl Sunday. I hope you better hope your team wins. But I think it's gonna be really close I think the points per area now. You know maybe one and a half to arrow close something like that. I like the Eagles I like I liked it. I liked chiefs too, but I think it's the year for the Eagles for some reason. I could be wrong. But hey, you know I've been pretty good so far with my bets. And sometimes I don't even go to the sports book. I just make a middle bet. A bet with a friend. A friendly bet you You know just it's a be an accident. But you know, there's a lot going on a lot of partying going on as I stated earlier in the conversation, really be conscious of going out of a friend's house is gonna be Super Bowl parties everywhere and you know and you love drink and drive a little bit too much. You can be impaired to drive but you may want to think about getting behind the wheel having too many drinks. You know, you don't want to pull get pulled over and join the Super Bowl and what your family and friends and the or what your friends and all of a sudden you're on your way home, you get pulled over and and you have to spend you have to make a beat detained, and it's gonna cost you a lot of money a license is gonna get suspended.

Unknown Speaker 25:41
You're gonna have to spend overnight and the facility is embarrassing. And now you have to get an SR 20. I mean, Alicia is gonna You gotta get a lawyer. You gotta go to school. Just let's just goes on and on and on. It's not worth it. Think about it before you get behind the wheel. Drinking and driving is not a good thing. And you know, Vegas the bars open 20 477 day, you know, and you're going to have a drink three o'clock in the morning, two o'clock in the morning don't matter. Seven o'clock in the morning. You can have a cocktail. This is Las Vegas, Nevada. If you're visiting our town, welcome, welcome. Welcome. I hope one is yet one year. I'm making prediction within the next five years the Raiders will be in a Super Bowl. That's a bowl that's real bowl, but I'm putting it out there. Because we have a football team. You know, we're gonna get a Super Bowl here in Vegas. That's going to happen. This is the entertainment capital of the world. This is going to happen. We will get a Super Bowl here in Vegas, along with his championship it'd be nice to have our home team have the Super Bowl and Vegas at the Allegiant stadium. And our home team is in the Super Bowl. You know keeping my fingers crossed. You know when a grown up in Vegas. We didn't have any of these major league sports like we have today. Come on now. We didn't we didn't we had the we had UNLV and I remember when you and he won a championship, it was very exciting moment. But now you know we had the lady lady aces. Thank you so much for bringing the first major championship to Vegas now and that Nadine Scott real close. Come on. Come on nights you can do it. But you know i Lady aces they bought the first national championship to Las Vegas Nevada. I'm so very proud of them. And one day we'll get a basketball team and a baseball team and today you know we were rooting for all our pro teams and you know I take advantage of what Vegas have to offer. You know sometimes people say well there's nothing to do just go out for a walk. Just go out for a walk. You know get some fresh air you know if you have a pet, take the pet out for a walk get some fresh out. This is a wonderful time of year to get out. You know get out and meet your neighbors talk to your neighbors get out and get some fresh air or wood or take a trip out to the lake. You know enjoy enjoy Vegas because you know when it gets hot. Louis is real hot in Vegas. I mean it gets scorching hot. Really can't do a whole lot during the daytime but this is the time you I enjoy when it comes to Vegas because you don't have we don't have to wear the heavy coats. We're not to worry about the snow. We're not to worry about any of that car wreck to now you gotta get it went on to we deal with all of that earthquake we don't deal with it just that heat in the summertime but go and get out take advantage of beautiful weather here in Vegas. And if you'd like again, if you're visiting Welcome to our beautiful town. My name is Don Marquez, this is your insurance connection 702-236-2624 702-236-2624 Our offer life insurance everyone needs life insurance. And if you get if your life insurance is adjusting on you, the price is going up every year. And you don't quite understand that offer no obligation meaning it doesn't cost you any money to come see me. Now we can sit down I give you at least an hour and a half of my time to review your all your insurances and make sure that you're insured properly. Make sure you're paying the right amount of premium and make sure you do understand the coverages that you are paying for your pan for it. You might as well know what you're paying for when you agree. I agree 702-236-2624 702-236-2624, located on the corner of Sahara Rancho. In the US Bank building, I'm on the eighth floor. I work by appointment Monday through Friday from 10am to 5pm. I'm here for you. And I want to thank the listeners again they came in and purchase home auto and life insurance, life insurance. We all need it. The close out one's estate today is about $60,000 or more to close out your loved ones estate. You don't want to leave your spouse with you know a lot of debt. You don't want to leave your family members with a lot of debt. Think about it. You know a lot of people say well, you know I'm not going to worry about life insurance. I don't want to talk about it. You know, we'll talk about it later. But by saying that, what you're doing, you're postponing getting your life insurance. And if that day comes and it comes for all of us now your family members have to come up with all the money to pay Are you plus close out your estate? We don't want that to happen. You pan you pass it on debt, not for you pass no debt. That's what you're doing and that's not a good thing. 702 to three, six to six to four. That's my time. My name is Don Marquez, this is your insurance connection. We'll do this again next week. Enjoy your Superbowl Sunday. Until then, just keep it crispy. Thank you for listening.

Transcribed by https://otter.ai