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02Nov 2015

The good news… your insurance carrier has confirmed your damaged or stolen Contents (clothing, furniture, appliances, electronics and more) are “covered”. But how does that translate into a claim check?

First, expect to pay a deductible. This is the amount you agreed to pay before the insurance coverage takes over the process.

Second, expect some limitations and exclusions for Special Contents such as jewelry, business-related items, guns, collectibles and some other high-value or unusual items. This is a reminder to talk to us about those valuables.  You may be pleasantly surprised by affordable special coverage.

That said, how will the check be calculated? If you have Actual Cash Value Contents coverage, the carrier starts with “cost new” – today’s prices.  But they apply a depreciation factor recognizing age, wear, tear, and/or obsolescence.

If you have a Replacement Cost Claim Settlement policy, you will be paid the amount to buy a similar replacement item at today’s prices. Typically, you must actually replace the item to be offered the full Replacement Cost settlement.  The carrier may initially settle a claim on an Actual Cash Value basis, paying the difference after you actually replace the covered item.

If you have questions, visit our website’s Consumer Info section (www.wrins.com), or contact us.

20Oct 2015

Pennsylvania Personal Auto Insurance policies offer a collection of coverages known as First Party Benefits. There is one exception – Workers Compensation.  If you are traveling for your employer as part of your job, even in your own car, your medical expenses and lost wages due to an accident should be covered by Workers Compensation.

Otherwise, initial protection comes from your own Personal Auto policy. And it applies whether you are at-fault or not; driver or passenger; in your own car or another car; even as a pedestrian or bicyclist hit by a car.

The idea behind choosing limits of protection is to consider your other insurance. For example, if everyone in your household has short-term and long-term Disability Income coverage, you may be less concerned about First Party Income Loss from your Personal Auto Insurance policy.  And you may be unconcerned if no one is working.  Household members working part-time should be considered.  That extra income may make a real difference to the household budget.  And part-timers are rarely covered by short-term or long-term Disability Income coverage.

First Party Income Loss coverage is optional. It tends to be inexpensive.  The available limits range from $1,000 per Month / $5,000 per Accident up to $5,000 per Month / $100,000 per Accident.

If you have questions, visit our website’s Consumer Info section (www.wrins.com), or contact us.

15Oct 2015

Pennsylvania Personal Auto Insurance policies offer a collection of coverages known as First Party Benefits. There is one exception – Workers Compensation.  If you are traveling for your employer as part of your job, even in your own car, your medical expenses and lost wages due to an accident should be covered by Workers Compensation.

Otherwise, initial protection comes from your own Personal Auto policy. And it applies whether you are at-fault or not; driver or passenger; in your own car or another car; even as a pedestrian or bicyclist hit by a car.

The idea behind choosing limits of protection is to consider your other insurance. For example, if everyone in your household is covered by Health Insurance, with affordable out-of-pocket expectations (deductibles, co-pays, co-insurance), you may opt for lower First Party Medical coverage (minimum $5,000) on your Personal Auto Policy to save premium.  Personal Auto Insurance pays first, Health Insurance pays second.

On the other hand, if everyone is not comfortably covered by Health Insurance, you may want to maximize First Party Medical Benefits at $100,000. And you can supplement it with a $1,000,000 Extraordinary Medical Benefit.

If you have questions, visit our website’s Consumer Info section (www.wrins.com), or contact us.

 

14Sep 2015

Thanks to all! The AHA Erie Heart Walk took place this past Saturday at Liberty Park at Presque Isle Bay. We collected over $600 to help advance this good cause. Pap Pap John Rushe always takes a risk walking with the grandkids. One was sick. Another had a conflict with gymnastics. Two granddaughters, ages 9 & 1, came to walk…along with their moms.

In past years, we walked the entire course, or most of it. But the weatherman had different ideas. During the entire month of August, our area only had about 1.5 inches of rain. We received 4 inches on Walk Day! So our strategy changed. We visited with the exhibitors, including the local US Marines promoting Toys-For-Tots. Our 9 year-old granddaughter got her face painted. And we snapped a couple of photos in between raindrops. Thanks again!

01Sep 2015

All of the licensed staff members at the Werle & Rushe Agency regularly enroll in classes, including Professional Continuing Education to maintain our licenses.

Licensed Agent Kathy Wager recently participated in courses sponsored by Erie Insurance. She became the first member of our agency to be educated in Erie’s new Technical Learning Center.  The environment there can replicate damaged homes and cars.  It is a high-tech approach to better educate Claim Department employees as well as Independent Agency personnel, who serve as field underwriters.

02Jul 2015

Agency Principal John Rushe is very active with the Erie Together movement to eradicate poverty in Erie County. Wednedsay evening, John spent time as a guest speaker at a class held at the Erie City Mission. Participants are motivated to become more self-sufficient. The text being used is Getting Ahead in a Just-Gettin-By World.

John offered ideas and tri-fold brochures about how to be better-informed consumers when it comes to Personal Auto and Renters insurance. He was also asked to offer insight as a small business owner. Specifically, he shared expectations when recruiting and hiring.

This is just one component of the Erie Together movement. It teaches the impoverished to step back from the “tyranny of the moment”; create realistic goals; and then follow plans to improved self-sufficiency. The Werle & Rushe Agency is very happy to support this initiative since it benefits everyone.

20May 2015

The yellow tape makes it look like a crime scene…but not to worry. Our front sidewalk, along West Lake Road, is being replaced. This is in addition to PennDOT repaving of the street. The new walk will also feature ADA-compliant access points.

To our knowledge, the original walk dates back to the 1940s. The new one will be much safer for all pedestrians, especially the kids walking to Westlake Middle School.

05May 2015

We want to make sure your home and the stuff in your home is insured properly.

Do you have sufficient coverage to totally rebuild – size, features and quality? Do you have sufficient coverage to replace all of your belongings at today’s prices?  Do you need special protection for collectibles, expensive sports equipment, antiques or business-related property?

Call us today to review your coverage and see why ERIE is a better choice for insuring your most valuable asset -your home!

01Apr 2015

We’re 18 Years Old Today!

 

Our agency can trace it’s roots back to the 1950s, founded by Robert Morrow. It has undergone several ownership and location changes over the years.

 

On 4-1-97, John Rushe joined Don Werle as a partner and principal – forming the Werle & Rushe Agency at Don’s French Street office. Moving plans were finalized once things were “official” and we relocated to Bernwood Center on W 12th Street in Millcreek Township. In 2006, we rescued a nearby abandoned home, transforming it into our current location at 4055 W Lake Road.

 

While some things have changed,others have not. We have steadfastly offered Erie Insurance as our featured carrier. We offer special thanks to the employees of the Erie. They are truly “Above All In SERvIcE”. We are also thankful for the special needs that are served by our other carriers, especially Millville Mutual and Progressive.

 

Over the years, we have grown into the tag-line at our website – “24/7 Website Convenience PLUS Local Personal Service”. Technology makes part of that possible. But we owe special thanks to our staff – Licensed Agent Kathy Wager, Licensed Customer Service Representative Terry Johnson, and Insurance Service Assistant Joyce Tice.

 

Finally, “Thank You” to our loyal policyholders. We truly appreciate your business and your trust. It is our privilege to serve your insurance needs.

20Mar 2015

Kathy Wager and John Rushe represented our agency. Erie Insurance provided the display booth.  There were lots of ideas to remodel, renovate and safeguard homes and property.

And a lucky winner was able to jump-start their plans by winning our agency’s drawing for a $50 Home Depot gift card!

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