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Founders Insurance Company Excellent Rating

A.M. Best Reaffirms “Excellent” Rating As a result of their annual evaluation, we are very proud to announce the A.M. Best Company has once again reaffirmed our and our parent company’s, Utica Mutual Insurance Company, rating of “A-” or “Excellent” with a “Stable” outlook. The rating is based on a comprehensive evaluation of our balance sheet strength, operating performance and business profile. An “A-” or “Excellent” rating is assigned to companies that have, in A.M. Best’s opinion, an excellent ability to meet their ongoing insurance obligations. Founders Insurance Company has consistently maintained this rating since May 27, 1993. A.M. Best is a worldwide insurance rating and information agency with more than 100 years of history. It is the largest and longest-established company devoted to issuing in-depth reports and financial strength ratings about insurance organizations. ABOUT FOUNDERS INSURANCE COMPANY Founded in 1901, Founders Insurance Company has evolved into a multi-line, multi-state specialty carrier, serving the insurance needs of independent insurance agents and their customers for over 100 years. Founders specializes in writing non-standard personal automobile coverages, liquor liability and general liability coverages, and some other commercial coverages. The company employs approximately 200 people and generates its business through approximately 350 independent agencies. ABOUT UTICA NATIONAL The Utica National Insurance Group traces its beginning to 1914, when its principal company, Utica Mutual, was founded as a workers compensation carrier. Headquartered in New Hartford, New York, Utica National today consists of 19 companies. Utica National is among the top 100 property/casualty insurance organizations in the country and among the largest headquartered in New York State. Utica sells its insurance policies through a distribution network of approximately 1,500 independent agents and brokers, and its products include a wide range of commercial coverages, as well as home and auto insurance. In addition, Utica is a nationally recognized insurer for various specialized markets, including the graphic arts trades, schools, libraries, religious institutions and volunteer fire departments, as well as errors and omissions coverage for insurance agents, and more. Utica National employs approximately 1,500 people nationwide. The Utica companies are rated “A-” or “Excellent” by A.M. Best.”

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Teen Drivers: Update

Insurance Information Institute reports that motor vehicle crashes are the leading causes of death among teenage drivers. Dangers face young drivers which include lack of experience, speeding, tailgating and texting, Some recent developments from the Insurance Institute for Highway Safety and the AAA Foundation for Traffic Safety: – Every state now has graduated drivers’ license laws, which separate driving into three phases and allow teen drivers to gain more experience. -The death rate fell 68 percent for 16-year-old drivers from 1996 to 2010. -The risk of 16- or 17-year-old drivers being killed in a crash increases with each additional teen passenger. With one passenger, the risk increases 44 percent, with two, it doubles, and with three or more, it quadruples. The National Highway Traffic Safety Administration also reported an update on crashes involving teen drivers: -Of those drivers aged 15 to 20 who were killed in motor vehicle crashes, 30 percent had been drinking some amount of alcohol, and 25 percent were alcohol-impaired, with a blood alcohol content of 0.08 or higher. -In 2010, 54 percent, or 1,532, of the 2,814 occupants of passenger vehicles age 16 to 20 who were killed in crashes were not buckled up. Parents need to be responsible role models. While a teen is learning to drive, give them plenty of practice driving at different times of day, different roads and in different weather conditions. Parents need to discuss the dangers of drinking and driving and texting while driving also aware of the risk of driving with other teens who may be breaking the rules.

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Need winter insurance?

It is dangerous when you drive and in a hurry but it is more so when there is snow and ice present on the road. Drivers can see snow and ice but they do not always drive with enough caution to prevent an accident. Spinning out of control on a slippery road is a common hazard. Are you going to hit a tree? Skid to a stop? Collide with another car? Are you going to lose your vehicle or your life? The Midwest has experienced it share of record snowfalls and arctic blasts of cold temperatures. There will be many consequential effects from harsh seasonal weather and one of those will be the rise in car accidents. Here are a few examples of what happened to some drivers in the past. •  An insured bought her dream car in the fall. She didn´t think it needed snow tires…her previous cars did not have snow tires. One curvy, iced road while driving after dark later…her car slid down the embankment, hitting a boulder head-on. Her car was totaled. • An insured was driving his SUV to work on a road that seemed clear. Black Ice is dangerous and you cannot see it. He spun out of control, hitting a tree. His SUV is barely recognizable. He lost weeks of work. • An insured learned what happens when the wind blows a snow drift into the roadway, over a hill where you cannot see it ahead of time. He hit the drift. His car made several spins before settling hard into the ditch: ejecting him out of his car. All were insured’s going about their normal daily routines driving in the winter weather that changed the course of their lives. They all survived their accidents. They all had car insurance. These drivers all lost control of their cars. They could have just as easily hit another car rather than a tree, ditch, or boulder. When you leave for work in the morning, you have no way of knowing if this is the day you are going to hit an uninsured motorist or total your own car in a single-car accident. You first need to decide if you want liability or full coverage. Additional medical coverage is optional. Liability coverage will pay for any bodily injury to the driver or other party and property damage to their car. It will cover you in the event you are hit and sustain bodily injury by an uninsured motorist. Full coverage will pay for vehicle damage or loss that is caused by collision with another vehicle or object, by fire, theft, vandalism, windstorms, hail, ice, snow, falling objects. Pays for repair to your vehicle after you meet your deductible. Full coverage can also include reimbursement for towing and rental. The bank that you are financing your vehicle through will require to be listed on the physical damage policy. In the event something happens to your vehicle, and it is considered a total loss, they will get paid for the value of the car, less the deductible. They will apply the check from the insurance company towards your loan balance and any remainder they will give to you. Having car insurance is the law. Make sure you have coverage for driving in winter conditions. The Insurance King Agency professionals can help customize the best auto insurance policy for you and get you the best Low Cost Auto Insurance price possible. To protect yourself and your car today!

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Asistencia en Carretera

Asistencia en carretera de emergencia 24 horas al día. Remolque, salto de la batería, suministro de combustible, cambio de llantas y mucho más. Nuestra asistencia en carretera tiene una red en todo el continente americano y Canadá.





Seguro de Inquilino

Con seguro de inquilino, nuestros clientes pueden disfrutar de la tranquilidad de saber que su propiedad personal está cubierta, en caso de una pérdida desafortunada se producen. Ninguna verificación de crédito necesaria para nuestra póliza de Seguro de Inquilino.



Seguro para Mexico

Las leyes de seguro de automóvil de México requieren que usted tenga una compañía de seguros que esté realmente licenciada para proporcionar cobertura de responsabilidad mientras conduce en México. Insurance King puede colocar su cobertura a través de Mexpro. Inicie su presupuesto gratuito ahora.



SR-22

Un SR-22 es una presentación en el número de licencia de conducir de una persona que el Secretario de Estado supervisa a través de una póliza de seguro. La falta de pago del seguro en la fecha de vencimiento suspenderá la licencia de la persona que tenía un SR-22 presentado.



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