Archive for the ‘Auto Insurance’ Category

80% of all auto accidents are caused due to eating and driving. Also 65 % of near misses are because people are more concerned with their burger than the road.

 The 10 worst food or drinks to endure while driving are:

1. Coffee
2. Soup
3. Tacos
4. Chili dogs
5. Hamburgers
6. Ribs & Wings
7. Fried Chicken
8. Jelly Doughnuts
9. Soda
10. Chocolate

According to a study taken by ExxonMobil Corp 70 % of drivers eat while driving and 83 % of drivers drink beverages. Even as people become aware of this risk. It doesn’t seem that they will ever stop. Eat and run is all to common these days.

 Remember that having an accident will increase your auto insurance rates. Please be careful out there. Call AnCap Insurance with all of your insurance questions or to get a quote

This morning on azcentral.com there was an article about a teen who took the parents car without consent. The boy was told by his parents that he was not allowed to take the car unless going to specific places. He decided that he could get around the disciplinary action, and went out with his friends.

There was an accident with serious injuries.

Who is liable the parents or the kid?

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Earthquakes not covered by basic homeowner’s insurance

When Arizonans felt the effects of the magnitude 7.2 earthquake that hit Baja California, Mexico on Easter Sunday, there were reports of swaying buildings, rattled walls, and sloshing pool waters. but no major damage.

“Historically, the Valley of the Sun has not had any measurable earthquakes since 1875,” explains Frank Capparelle, Sr., Founder, President, and CEO of AnCap Insurance.  “Flagstaff is built along some fault lines but there has not been any significant activity in the area that caused damage since 1912.”

Basic homeowners’ insurance policies do NOT cover damage from earthquakes.  Thirty-nine states have experienced earthquakes since 1900, and about 90% of Americans live in areas considered seismically active. Yet only a small percentage of people purchase earthquake insurance, which is an addendum to a homeowner’s insurance policy.

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Congratulations to our Facebook winners

Happy Mother’s Day to all mothers today – you have more than earned a special day to honor all of your unselfish dedication to your children and family.

And, congratulations to our Facebook “Insure Happiness for Mom” contest winners: Christopher, Stephanie, Emily, Melissa, and Valerie.  Bouquets of fresh flowers creatively arranged by our friends at Phoenix Flower Shops have been delivered to the mothers of your choice and we hope the ladies enjoy their beauty for days to come.

After all of the celebrating of the day is passed, you might want to consider one more gift for all of the mothers in your life.  The gift of peace of mind.

Insure Peace of Mind for Mom, too

Work, accomplishments and worry ranked high on a poll taken of mothers’ daily stressors.  Why not help lighten that load by giving her peace of mind that the insurance coverage is a right fit for her family’s specific needs. 

We would be happy to review your family’s insurance policies to determine if your coverage provides complete peace of mind for you at the most competitive price.  Just give us a call at 602-943-2586.

Have you checked your auto insurance coverage lately to see what your liability coverage is?

Many people still have 1980′s coverage 

Too many people are still maintaining 100/300/50 (dollar) liability limits which were excellent levels back in the 1980’s.  To review, $100,000 is the limit per person for bodily injury coverage; $300,000 is the total amount for bodily injury coverage (for everyone); and $50,000 is the coverage for property damage.

While rental car companies consider this to be the minimum amount of coverage required, and states have even lower requirements, in today’s dollars you are taking considerable risks every time you drive.

If you were to be involved in an auto accident involving three or four cars, or if one or two individuals were seriously injured, 100/300/50 liability coverage would probably NOT be sufficient enough to cover the costs of the claims.  Which means, you would then be hit with the bills which could run into the tens or hundreds of thousands of dollars.

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I’m looking forward to this Easter weekend as it’s a time for our family and friends to gather in celebration, reflection and love.

Family Traditions

We Capparelle’s have long carried our family traditions throughout the generations and this Easter will be no different.  We’ll eat no meat today nor have we partaken of any during the Fridays in Lent.

My wife Ann is busy planning for the buffet feast she will prepare for Sunday after services.  There will be the traditional egg dish.  Egg symbolizes Easter as a new beginning and when Grandma used to bake the fresh bread, she would always have an egg nesting in the center of the loaf.

All seven members of our immediate family will be at our home along with cousins, grandchildren’s boyfriends, and longtime friends.

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Even before St. Patrick’s Day has arrived, we’re hearing sad news about people who drank too much, turning festive celebrations into tragedies.

Sunday’s horrific accident during Montreal’s St. Patrick’s Day parade reminds us that fatalities can occur whether or not the intoxicated person is behind the wheel of a car.

In this case, a 20-year-old man jumped on a float during the parade and when he jumped off, he was pinned underneath.

Police confirmed that alcohol was a factor is his death.

Did you know you could be liable?

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