Author: Matt McColm

Do I need commercial auto insurance for my small business?

Posted on by Matt McColm
commercial auto for your business

Picture this: You run a small but mighty landscaping business, Green Thumb Gurus, in beautiful sunny Wenatchee. You and your team zip around town, trimming hedges and mowing lawns from Eastmont Community Park to the Cashmere Pioneer Museum. Now, do you need commercial auto insurance for your small business? Simply put, yes!

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Here’s why. If you’re using your pickup truck for business purposes, your regular auto insurance might not cover you if you get into an accident while hauling a load of mulch to a client’s yard. That’s right – your insurance could say, “Not my problem!” faster than a teenager ditching household chores. A commercial auto or business endorsement will save you headaches in the future.

We never want to give an insurance company an excuse not to cover a claim. When you are doing business on a personal policy they you are one step closer for them to do just that.

Commercial auto insurance is the brave big brother where personal auto insurance fears to walk. It covers vehicles owned by your business, whether it’s a shiny new pickup truck or that old grey panel van with the dented door you’ve lovingly nicknamed “The Battleship.” If it’s used for business, it needs commercial coverage.

Let’s say you’re driving through Leavenworth after a successful day of planting tulips, and you get rear-ended by a wine tourist bus. Without commercial auto insurance, you’d be on the hook for repairs and medical bills. Ouch!

Not convinced? Picture this: One of your employees, Greg, uses his own car to deliver a bigfoot chainsaw carving (because who doesn’t love bigfoot in Washington state?). If Greg gets into an accident, your business could be held liable. Commercial auto insurance can cover those costs, saving your business from financial ruin.

So, whether you’re delivering flowers, catering weddings, or running errands, if it’s business-related, get commercial auto insurance. It’s a small price to pay for peace of mind, and it’ll keep your business running smoothly, from the woods of Lake Wenatchee to the hills of the Okanogan Highlands.

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Topics: Progressive, Commercial Auto, company car, collision coverage, collision coverage, delivery, Wenatchee Insurance, Chelan County, Grant County, Douglas County, Okanogan,

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What does commercial auto insurance cover?

Posted on by Matt McColm
commercial auto wenatchee insurance

So, you’re cruising around Chelan County in your trusty company van, delivering pastries from Pybus Public Market to the good folks of Wenatchee, when BAM! A deer leaps out from behind a tree. Your day just went from doughnuts to “Oh, sugar, honey, iced tea!” This is where commercial auto insurance swoops in like an osprey grabbing a river trout.

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Commercial auto insurance covers quite a bit – think of it as a superhero with many powers. First up, we have liability coverage. If you cause an accident (like that time you bumped into a statue at Riverfront Park because you were distracted by a squirrel), liability coverage pays for the damages to the other person’s car and their medical bills.

Next, there’s collision coverage, which helps pay for the repairs to your own vehicle if you’re involved in an accident. So, when that white tail deer incident happens, your insurance can help fix your van faster than you can say “New York Minute .”

Comprehensive coverage is like the Swiss Leatherman multitool of your policy. It covers theft, vandalism, and those pesky natural disasters. For example: You parked your delivery truck at the Apple Blossom Festival, and someone decides to graffiti a masterpiece to raccoons on your side door. Comprehensive coverage has you covered!

Don’t forget about uninsured motorist coverage. If some nincompoop without insurance hits you, this part of your policy makes sure you’re not stuck paying the bills. Washington state has a fair amount of these so we do not recommend skipping this coverage.

And last but not least, we have medical payment coverage. This one’s straightforward – it helps cover medical expenses for you and your passengers if you’re hurt in an accident, no matter who’s at fault. Whenever, you go to the doctors and they ask if this was because of an accident, this is the coverage that they are looking for. Think of it as a little band-aid for your wallet.

So, next time you’re driving on 97 to Entiat for a delivery, remember that your commercial auto insurance is your trusty sidekick, ready to jump in and save the day when things go awry.

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Topics: Progressive, Commercial Auto, company car, collision coverage, collision coverage, delivery, Wenatchee Insurance, Chelan County, Grant County, Douglas County, Okanogan,

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What medicare prescription Drug Plans (Part D) are available in Eastern Washington?

Posted on by Matt McColm
medicare prescription plan d talk to Suzie at Wenatchee

Discovering Your Medicare prescription Match: A Light-hearted Journey Through Part D Plans with Wenatchee Insurance

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When it comes to finding the right Medicare Prescription Drug Plan (Part D) in Eastern Washington, the options can feel like a never-ending buffet. But fear not! Suzie with Wenatchee Insurance is here to help you navigate the smorgasbord of choices with humor and experence. Let’s dive into the delightful world of Medicare Part D plans, where each plan is like a quirky character at a neighborhood cook out.

The “Budget Benny” Plan

First up is the “Budget Benny” plan. Benny is that guy who always brings the cheapest dish to the cook out but somehow manages to make it taste great. This plan has a low monthly premium and keeps costs minimal. Perfect for those who are pinching pennies but still want solid coverage. With Budget Benny, you won’t break the bank, and you’ll still get your essential medications covered.

Sample: “Imagine Benny showing up with a big bowl of chili—simple, affordable, and everyone loves it. That’s what you get with the Budget Benny plan: basic but beloved.”

The “Luxury Lucy” Plan

On the other end of the spectrum, we have “Luxury Lucy.” Lucy arrives at the cook out with gourmet hors d’oeuvres, a cheese platter, and artisanal bread. This plan has a higher premium but offers extensive coverage, low deductibles, and includes a wide range of medications. Ideal for those who prefer their healthcare coverage to be as luxurious as their lifestyle.

Sample: “Luxury Lucy is like the friend who treats every meal like a Michelin-star event. With this plan, you’re not just covered—you’re covered in style.”

Medicare plan 65 Wenatchee Advantage

The “Steady Eddie” Plan

Next, meet “Steady Eddie.” Eddie is dependable, always brings a reliable dish, and you can count on him year after year. This plan offers a balanced approach with moderate premiums and coverage. It’s designed for those who want stability and don’t like surprises—just good, consistent coverage.

Sample: “Steady Eddie is like that comforting casserole at every cook out—hearty, satisfying, and you know exactly what you’re getting.”

The “Flexible Fran” Plan

There’s “Flexible Fran,” who always brings a dish that can be vegan, gluten-free, or carnivore-friendly depending on what’s needed. This plan is all about options and adaptability. Perfect for those who have specific or changing medical needs, Fran’s plan can adjust to whatever life throws your way.

Sample: “Flexible Fran is the chameleon of cook out dishes, just like her plan can adapt to your shifting medical needs.”

The “Value Vicky” Plan

Lastly, let’s not forget “Value Vicky.” Vicky is thrifty and resourceful, bringing a dish that’s cost-effective. This plan strikes a balance between cost and coverage, giving you the most bang for your buck without sacrificing quality.

Sample: “Value Vicky’s plan is like that surprisingly tasty dish made from leftovers—creative, cost-efficient, and surprisingly satisfying.”

Navigating the Buffet with Wenatchee Insurance

Choosing the right Medicare Prescription Part D plan doesn’t have to be overwhelming. At Wenatchee Insurance, we’re your friendly guides at the buffet table of Medicare options. We’ll help you sample each plan, compare the flavors, and find the one that leaves you feeling satisfied and secure.

So, whether you’re a Budget Benny or a Luxury Lucy, a Steady Eddie or a Flexible Fran, Wenatchee Insurance is here to make sure your Medicare Prescription Part D plan fits you like a glove—or like your favorite cook out dish. Call us today, and let’s get started on finding your perfect plan match!

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Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability,

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Surviving Wildfires 101: Insurance Edition with Wenatchee Insurance Agency

Posted on by Matt McColm

Greetings, fellow adventurers of Central Washington! Today, we are looking at topic that can raise the hairs on the back of your neck — the insurance coverage for wildfire damage, brought to you by the team at Wenatchee Insurance Agency! 🌲🦸‍♂️🔥

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Imagine this: you wake up one morning, the birds are chirping, the sun is shining, and then—bam! Wildfire season strikes with the ferocity of a lightning storm. In Central Washington too often,  we are not just a bystander in this fiery spectacle—you’re the star of our insurance epic!

What exactly does wildfire insurance cover? Well, put your big pants on, it’s not just about protecting our little home on the range (though they’ve got that covered too). Wenatchee Insurance goes above and beyond to shield everything from your beloved RV to your quirky collection of garden gnomes. Yes, even the gnomes deserve a shield against the flames!

But wait, there’s more! Ever worried about your vintage bicycle or that treasured kayak you’ve had since the dawn of time? Fear not, because with Wenatchee Insurance, your prized possessions are as safe as a squirrel with a winter stash of acorns.

Now, let’s talk about Shayla—yes, the legend herself. Shayla isn’t just an insurance agent; she’s your guide through the wildfire maze. Need to file a claim faster than you can say “hot apple pie”? Shayla’s got your back. Need advice on how to fortify your home against wildfire threats? Shayla’s wisdom is as abundant as Quincy Corn in September.

And here’s the secret sauce—the real magic of Wenatchee Insurance isn’t just their expertise (though they’ve got that in spades). It’s their commitment to the community. They’re not just here to sell you a policy; they’re here to hold your hand (metaphorically, of course) through the trials and tribulations of wildfire season. Because when flames flicker on the horizon, you don’t just want an insurance policy. You want a shield, a guardian, a friend who understands the dance of fire and fear.

So, whether you’re a seasoned wildfire warrior or a newcomer to the realm of insurance wonders, remember this: with Wenatchee Insurance Agency, you’re not just a client—you’re family. A family with a fireproof plan and a hotline to Shayla, the guardian angel of insurance wisdom.

Stay safe, stay covered, and remember—with Wenatchee Insurance, wildfire season is just another chapter in your epic tale of insurance triumphs!

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Topics: Home Insurance, Wenatchee insurance, Shayla, high risk, liability, wildfire, brush fire, Chelan County, Okanogan County, General, Grant County, Douglas county, proof of insurance, Quincy,

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How do I enroll in a Medicare Part D plan in Eastern Washington?

Posted on by Matt McColm
prescriptions cost money a medicare part d can save

Enrolling in Medicare Part D: A Humorous Walkthrough with Wenatchee Insurance

When you enroll in a Medicare Part D plan kind of feels like applying for a secret society membership—complete with cryptic forms, mysterious deadlines, and possibly a funky handshake or two. Don’t worry! Suzie & Wenatchee Insurance is here to make the process as entertaining as a sitcom episode, where even the most tedious tasks can come with laughter. We are going to walk through the Medicare Part D process together, with a dash of humor.

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Step 1: The Invitation

First, you need to get invited to the party, a.k.a. determine your eligibility. Generally, if you’re eligible for Medicare then you’re eligible for Part D. Think of it as receiving your VIP ticket to a chef’s table in the newest restaurant in town.

Example: “You’ve got your golden ticket, just like Charlie in the chocolate factory, except instead of chocolate, you’re getting life-saving medication. Still, pretty sweet deal, right?”

Step 2: The Grand Entrance – Initial Enrollment Period

The Initial Enrollment Period (IEP) is your first chance to join the party. Starting three months before you turn 65, your birth month and ending three months after, you have your initial enrollment period. Seven months seem like a lot however they can go fast. Miss this, and you’ll have to wait for the next party invite. Yes, sometimes you will have to bring a note to get in!

Sample: “Think of the IEP as the VIP entrance to a concert. You get in early, avoid the rush, and grab the best spot near the stage. Miss it, and you’ll be stuck at the back, straining to hear the music.”

Step 3: The Red Tape – Required Information

Now, let’s tackle the paperwork. You’ll need your Medicare number, date of birth, and other personal info.

Sample: “Filling out your info is like completing a membership form for the ‘Cool Kids Club.’ Just a few details and you’re ready to flash that membership card (your Part D plan) proudly.”

Step 4: The Selection Process – Choosing Your Plan

Here’s where it gets fun: Choosing a Part D plan is like picking your Hogwarts house. Do you go with the bravery of Gryffindor (extensive coverage), the loyalty of Hufflepuff (steady and reliable), or maybe the cunning of Slytherin (low premiums but high deductibles)?”

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Step 5: The Initiation – Enrollment

Once you’ve chosen your plan, it’s time to officially enroll. You can do this online, over the phone, or by mail. Enrolling in your Part D plan is like taking the final step in joining a secret society. You recite the oath (or just click ‘submit’), and voila! You’re in. Cue the applause and confetti.”

Step 6: The Welcome Package

After enrolling, you’ll receive your membership card and welcome package. Receiving your Part D welcome package is like getting your secret decoder ring. Suddenly, all the mysterious codes (insurance jargon) make sense, and you’re ready to take on the world—or at least the pharmacy.”

Step 7: The Ongoing Adventure

Now that you’re enrolled, the adventure begins. Keep an eye on your medications, costs, and any plan updates. It’s an ongoing journey, but with Wenatchee Insurance by your side, you’ll navigate it with ease and a smile.

Sample: “Your journey with Medicare Part D is just beginning. It’s like starting a new season of your favorite show—there will be twists, turns, and maybe a few cliffhangers, but Wenatchee Insurance is here to help you through every episode.”

Wenatchee Insurance: Your Trusted Sidekick

Enrolling in a Medicare Part D plan doesn’t have to be a chore. With Suzie & Wenatchee Insurance, it’s a fun and straightforward process, complete with guidance, support, and a few laughs along the way.

So, if you’re ready to join the secret society of Medicare Part D, let Wenatchee Insurance be Robin to your Batman. Together, we’ll make this journey as entertaining as it is rewarding.

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Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability,

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Oops, I Did It Again: Surviving an Insurance lapse Episode

Posted on by Matt McColm
local car insurance wenatchee lapse

Ever had one of those days where everything that can go wrong does go wrong? Like forgetting your wedding anniversary, someone drank all the milk after you poured a bowl of cereal or worse… a lapse in your car insurance. It happens. Wenatchee Insurance is here to turn your insurance woes into wows.

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The Dreaded Lapse

A lapse in your insurance coverage is like running out of gas on Sherman Pass – inconvenient and slightly embarrassing. It doesn’t matter if you forgot missed a payment , to renew, or thought your car ran on good vibes alone. There are options when your insurance lapses.

The “Britney Spears” Moment

You might find yourself humming, “Oops, I did it again,” as you realize your insurance has lapsed. Cue the dramatic music and a vision of Shayla from Wenatchee Insurance swooping in to save the day.

Steps to Take When Your Insurance Lapses

  1. Call Wenatchee Insurance: Seriously, this should be step one for everything. Shayla will help you sort out the mess and get you behind the wheel again.
  2. Beg for Forgiveness: Sometimes, you can sweet-talk your insurance provider into waiving the lapse fee. It isn’t always easy and some companies are better than others.
  3. Avoid the Temptation to Drive: Driving without insurance is a not worth the ticket nor the risk. Instead, use this as an excuse to try out Link Transit or rediscover the joys of breaking in your shoes.
  4. Renew and Relax: Once you’ve reinstated your insurance, take a deep breath and relax. You have your proof of insurance in hand (or on your phone).

Conclusion

A lapsed insurance policy is not the end of the world. After a year of continuous auto insurance, options open. With a little help from Wenatchee Insurance, you’ll be back on the road in no time, and with a funny story to tell at your next BBQ.

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Topics: SR22, auto insurance, car insurance, wenatchee insurance, shayla, high risk, liability, insurance license, Chelan County, Okanogan County, General, Grant County, Douglas county, proof of insurance,

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What Additional Insurance Coverage Options Are Available and Which Ones Should I Consider?

Posted on by Matt McColm
insurance coverage

Additional Insurance Coverage options:

The Insurance Coverage Buffet: Extra Toppings Edition

Welcome back to the Insurance Buffet, where Wenatchee Insurance offers a Smörgåsbord of additional insurance coverage options to suit every taste. Insurance needs are a wide variety. Let’s explore the extra toppings you can add to your home insurance policy for a fully loaded experience.

Umbrella Insurance: The All-You-Can-Eat Pass Umbrella insurance is like wearing your stretchy pants for a Thanksgiving feast. It extends your liability coverage beyond the limits of your standard home insurance, protecting you from unexpected large claims. It’s a must-have for anyone who needs to be extra prepared.

Sewer Backup Insurance Coverage: The Unseen Hero If you have an older house in Wenatchee with large trees then we need to talk about Sewer back up. Sewer backups are the stuff of nightmares, but this coverage option is like a hidden hero. It ensures you’re not left dealing with a smelly and costly cleanup out of your own pocket.

Identity Theft Protection: The Cyber Shield In the digital age, identity theft is a real threat. This coverage acts like a cyber shield, protecting your personal information and helping you recover if your identity is stolen. It’s peace of mind in the digital jungle.

Home Business Insurance Coverage: The Entrepreneur’s Delight Running a business from home? Standard policies might not cover business equipment or liability. This add-on ensures your entrepreneurial endeavors are protected, just like having a dedicated menu for your dietary special needs.

Valuable Items Coverage: The Premium Topping Got high-value items like jewelry, art, or computers? This coverage acts like the shaved black truffles on risotto, ensuring your prized possessions are covered beyond the standard policy limits.

Green Home Coverage: The Eco-Friendly Choice If you’re environmentally conscious, this coverage helps you rebuild with eco-friendly materials and technology after a loss. It’s like choosing the organic section at the buffet – better for you and the planet.

Additional Coverage Options Summary

With Wenatchee Insurance, you can customize your home insurance policy with these additional coverage options to suit your unique needs. Load up your plate and enjoy the peace of mind that comes with comprehensive protection!

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Topics: Wenatchee Insurance, Deductible, Home Insurance, Bundle, Chelan, Fire, Okanogan, Grant, Medicare, health, Wind, Liability, Cheap Insurance, Exclusions, Green Insurance, Umbrella, Home Office, Computer coverage, Cyber coverage,

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How Do I Make the Most of My Medicare Benefits?

Posted on by Matt McColm
Medicare plan 65 Wenatchee Advantage medicare benifits

Hey Chelan County, It’s Suzie with Wenatchee Insurance. Today, we’re here to help you milk every drop of goodness out of your Medicare benefits – think of it as getting all the toppings on your sundae, without any extra charge!

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Step 1: Embrace the Freebies (Preventive Services)

Medicare loves giving out freebies. Take advantage of preventive services like:

  • Annual Wellness Visits: Like a yearly tune-up for your car, but a lot less grease.
  • Screenings: For things like diabetes, heart disease, and certain cancers – think of it as an annual “What’s going on in there?” check.
  • Vaccinations: Stay flu-free and fabulous with covered vaccines.

Example Time!

Bob never misses his annual wellness visit. His doctor keeps him in tip-top shape, and Bob feels like he’s just had a makeover on a reality TV show.

Step 2: Manage Your Meds (Pharmacy Hacks)

Your Part D plan is your ticket to affordable meds, but let’s make sure you’re really saving:

  • Check the formulary: It’s like reading the menu before you order – know what’s covered.
  • Use preferred pharmacies: Some pharmacies are like that one pizza place that always has a deal.
  • Go generic: Just as tasty, but a lot cheaper – like getting the store-brand cereal.

Example Time!

Sally May loves a good bargain. By sticking to her plan’s preferred pharmacies and opting for generic meds, she saves enough each month to treat herself to something nice – like a day at the beauty salon.

Step 3: Use Extra Benefits (Hidden Gems)

If you have a Medicare Advantage plan, don’t ignore those extra benefits:

  • Vision, dental, and hearing: Routine exams, glasses, hearing aids – it’s like getting free sprinkles on your sundae.
  • Fitness programs: Many plans include gym memberships.
  • Telehealth services: See your doctor without leaving your couch – perfect for pajama days.
health or medicare enrollment suzie makes it easier for medicare benefits

Example Time!

Steve stays active with her plan’s including gym membership. He’s a regular at the gym, where he’s known as “The Silver Swole.”

Step 4: Know Your Out-of-Pocket Costs (Avoid Surprise Bills)

Keep an eye on your out-of-pocket costs. This includes:

  • Deductibles: The upfront cost before your plan kicks in – like the cover charge at a club.
  • Copayments/Coinsurance: Your share of the cost – think of it as splitting the dinner bill on a night out.
  • Out-of-pocket maximum: The most you’ll pay in a year before your plan picks up everything else–the save your farm number.

Example Time!

Tom keeps track of his medical expenses like a hawk. By understanding his plan’s costs, he avoids those “What the heck?!” moments when the bill arrives.

Wenatchee Insurance: Suzie is your Medicare Wingman

At Wenatchee Insurance, we’re here to help you get the most out of your Medicare benefits. Think of us as your trusty sidekick, always ready with the right advice and a corny joke.

Final Thoughts

Maximizing your Medicare benefits is like finding hidden treasures. By embracing the freebies, managing your meds, using extra benefits, and understanding your costs, you’ll make the most out of your coverage and keep your wallet happy.

Remember, dear readers, getting the most from your Medicare benefits doesn’t have to be a scavenger hunt. With Wenatchee Insurance by your side, you’ll be the Indiana Jones of healthcare savings world. Stay tuned for more insights, tips, and plenty of laughs!

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Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability,

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