Friday, March 21, 2014

Auto Insurance Defined

The insurance industry loves its terms, jargon, and words. Unless you are around it everyday, there is a good chance you do not understand it all. This post was created to help correct that.

Discounts Auto - You may be eligible for a variety of discounts that may help to lower your auto insurance premium. If you are a member of a certain business/professional groups such as Doctors, RNs, Engineers, Dentists, Teachers, Police, Firefighters and so on, you may be eligible for a discount. Other discounts are received for having multiple policies, being a retired professional, good students, insuring multiple vehicles, or having a alternative-fuel vehicle.

Liability for Bodily Injury - Covers the expenses associated with other people's death, when you're at fault; such as medical expenses, loss of income, and pain and suffering.

Liability for Property Damage - Pays for the damage you, or someone driving your vehicle with our permission, may cause to some else's property.

Medical Payments - If you or your passenger, or even a pedestrian, is hurt or killed, we'll cover the medical bills and funeral expenses up to your limits.

Collision - Coverage to repair damage to your vehicle resulting from a collision with another vehicle, object, or as a result of flipping over. This coverage is typically required if you vehicle is leased or if you have an outstanding loan on the vehicle.

Comprehensive - Covers damage to your vehicle resulting from fire, theft, falling objects, riots, storms, earthquakes,
floods, and collision with a bird or live animal. This coverage is normally required if you vehicle is leased or if you have an outstanding loan on the vehicle.

Uninsured and Underinsured Motorist Coverage - Covers you, insured members of your household and you passengers injured in an accident with a motorist who has no insurance or is underinsured. Coverage typically includes payment of medical costs, lost wages, pain and suffering.

Optional Coverages-Auto

Accident Forgiveness - With Accident Forgiveness, Farmers® will forgive one accident in a three-year period.

New Car Pledge - If your new car is totaled in the first two years (24,000 miles) of ownership, we'll replace it without depreciation. Also, if minor repairs are needed, we'll make sure only original manufacturer parts are used, if available.

Emergency Roadside Assistance - The Farmers® Tow Program (FARMTOW) provides 24/7 access to roadside assistance through Farmers HelpPoint® claims service. Includes towing to the nearest qualified repair facility and onsite services such as battery jump start, locksmith services and other repairs.

Personal Umbrella - Supplements the liabilty coverage you already have on your auto and homeowners policies, providing an extra layer of coverage, just when you need it most. (Your auto policy must have certain limits to qualify)

HelpPoint® Glass Services - Quickly connects you with a reputable vehicle glass company in your area. You benefit from convenient mobile response wherever you are, quality service, 24/7 scheduling and national lifetime warranty for as long as you own or lease the vehicle.

Car Rental Reimbursement - Our network of pre-screened, nationally known rental-car companies offer free pickup and delivery, direct billing to Farmers® and automatic deposit waiver.

Extended Customized Equipment Coverage - Covers the optional equipment that's not permanently installed in your car, as well as theft of items such as tapes, discs or other equipment designed for the reproduction of sound.

Friday, March 14, 2014

Motorcycle Insurance Coverage

There is more to motorcycle insurance than simply having it
Like most riders, when you are out on the open road there’s nothing else on your mind. Let us help keep it that way by answering some common motorcycle insurance questions.

Motorcycle Total Loss Replacement
Are you thinking about buying a new motorcycle? Or perhaps you just bought one? Now is a great time to give us a call and make sure you have total loss replacement cost coverage for your bike. If your policy is written with us in the first 30 days of ownership and the vehicle is deemed a total loss in the first 24 months, we will replace your motorcycle with a new comparably equipped bike. We’ll replace up to 110% of the purchase price! Call The Greco Agency to talk about your current or future motorcycle policy.

Collision Coverage 
Whether it is icy roadways, a blind spot, or an uncontrolled intersection, Collision Coverage pays any amount more than your deductible to restore the damage done to your vehicle to factory new condition in the event of an accident.

Motorcycle Types
Whether you're taking to the back-roads on a classic bike or traveling the highways on a touring cycle, we provide coverage for a variety of bike types: Classics, Cruisers, Custom, Sport, Touring, Trike Conversion.

You never know when someone might get hurt in an accident. You could stand to lose a lot if you are at fault. Liability Coverage provides protection again financial loss.

Medical Payments Coverage 
It's been a month since the accident and you just received your first hospital bill. Medical Payments Coverage help protect against the income losses caused by medical and funeral expenses. This coverage extends to you or a family member when riding as a passenger in someone else's vehicle or when struck by a vehicle when on foot.

Optional Equipment Coverage 
Adding features to your vehicle may add a personal touch but they can get "spendy". That's why we provide Optional/Add-on Equipment Coverage.

Safety Apparel Coverage 
Have a nice helmet? Own some sweet leather chaps and riding jacket? Make sure you don't have to pay for it all over again in the event of an accident.

Transport Trailer Coverage 
Sometimes transport trailers cost just as much as the vehicles that you own. That's why we offer Transport Trailer Coverage. To make sure that your transport trailer is protected.

At The Greco Agency we try to educate our clients on these terms in order to help protect their assets no matter what vehicle they are driving. If you have any questions about your motorcycle coverage, or any other policy, contact us here at The Greco Agency. We would be glad to review your coverage.

Monday, March 3, 2014

Help Farmers Thank a Teacher

Farmers Insurance wants to thank teachers across the United States. With your help, Farmers Insurance is awarding $2,500 grants to teachers to improve the classroom. Teachers can purchase school supplies or use the grant for professional certification programs through the National Board for Professional Teaching Standards. Submit a teacher you know who has made a difference in your community, your life, or the lives of your family members. Everyone knows a great teacher that has made a difference. Tell about yours at

Watch Rascal Flatts thank their favorite teachers - Watch the Video

Even Jack Black is taking part Watch the Video

The Greco Agency - Kansas City Metro Area

The Greco Agency - Kansas City Metro Area

Farmers Insurance is a top insurer in Missouri and Jay Greco - Farmers Insurance is a top Farmers Insurance Agency in the Kansas City Metro AreaEstablished in 1988, The Greco Agency of Farmers Insurance has the knowledge and know how to assess your specific needs. We are more than equipped to handle your insurance program and provide personalized insurance coverage for families, individuals and businesses throughout both Missouri and Kansas. 

The Greco Agency specializes in Life InsuranceAuto InsuranceHome InsuranceSpecialty InsuranceMotorcycle Insurance, Boat Insurance, RV Insurance, ATV InsuranceBusiness Insurance and more. We get to know our clients and provide the highest level of professional advice and service. 

We would love the opportunity to provide you with our services.
Contact us today at 816-228-2886.