What To Do If Your Vehicle is Recalled in Klamath Falls, OR

What do I do when my vehicle is recalled?

Vehicle Recall in Klamath Falls, ORVehicles being recalled in the United States is a common problem; in fact, one that happens around the globe, not just here at home. But, what do you do when your vehicle is recalled? Where do you start? How do you know what to do? These are common questions, one that we’ll address today in this post.

Start by Seeing if your Car was Impacted by the Recall

Just because your model year and make was recalled, doesn’t necessarily mean that it will be impacted by the recall. Manufacturers change distributors and parts throughout the year, so the best way to check is to input your VIN. You can check to see if your car was recalled by going to the National Highway Traffic Safety Administrations website. Click on the yellow button that reads “Search for recall by VIN.”

If you’re purchasing a used car, this is also a great place to start to ensure the vehicle you purchased doesn’t have an outstanding recall that you should address before purchasing the vehicle.

You Should Get some Mail

Because you have to register your vehicles, you should receive a notice via mail that your vehicle is likely impacted by a recall. This letter will typically inform you to contact your dealer to schedule a service. In the event the recall is considered very dangerous, the letter may go as far as to tell you to not drive the vehicle any longer.

How Much is a Recall Going to Cost Me?

The great news for consumers is that a safety recall will be fixed free of charge. If you happen to have repaired the affected part prior to the recall occurring, you can ask the manufacturer for reimbursement. Keep in mind though, you will not likely be given a loaner vehicle while the vehicle is being repaired, so plan on being out of the vehicle for a day or so unless the recall is something simple. EX: like a new sticker that replaces one with wrong information. One last thing to note here is that if your vehicle is recalled and you do nothing for 10+ years, the manufacturer will be off the hook to repair after this time.

Is this a Common Problem?

Most all manufacturers experience recalls. In fact, http://edmonds.com reported that over 61 million vehicles were recalled in 2014! While this is a staggering number, this is from all vehicles, not just model year vehicles. So, when GM recalled 7 million vehicles in 2014 for the ignition problem, this was for vehicles manufactured in 1997-2014. So, just because you have an older vehicle, doesn’t mean you won’t be affected by a vehicle recall.

Do All These Recalls mean Vehicles Are Becoming Less Safe?

Quite the contrary! According to the Insurance Institute for Highway Safety improved vehicle design and safety technology have resulted in a steady decline of fatal accidents. In fact, 9 vehicles reported zero fatal accidents in the 2011 calendar year. They also reported that the smaller the vehicle, the higher the risk of fatal accidents. The bigger, typically the less risk.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Pacific Ridge Insurance. They write business across the state of Oregon from their home office in Klamath Falls, OR. Policies can easily be written over the phone by calling (888) 337-5882.  With years of insurance experience they can easily help you insure everything from your home to your auto or commercial auto insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

 

 

 

 

 

 

Updating your insurance needs for the New Year

Over the course of a year, people often have many life changes. Some great, some small and some relate directly to your insurance. Do you know when you should call your insurance agent and let them know that (blank) has changed?

Updating your insurance in Oregon:

  • Auto Insurance: Did you purchase a new (or new to you vehicle) or are you planning on it? Updating your insurance agent with these details will mean that your vehicle is properly insured should an accident occur. It is often required to show proof of insurance when purchasing a new vehicle, so letting your agent know ahead of time may save you a headache. Let your agent know if you move or if your commute is further or shorter. This may affect your insurance policy as premiums can be influenced by your zip code.
  • Home Insurance: If you move or add elements to your home like a pool or trampoline, you should let your agent know. Are you planning on making home improvements after the New Year? Let your agent know! Not only can some improvements increase the value of your home, but you may need permits or a licensed and bonded contractor. Your agent may be able to assist you with that process. The beginning of the year is also a great time to assess your home insurance, schedule collectibles or other valuables to your policy and explore the need for additional insurance like flood or personal umbrella insurance.
  • Personal Details: There are so many of life’s great moments that your insurance agent will be involved. Your agent should be in the know if you get married, grow your family, have a teen driver or send a child off to college. There are crucial updates to your insurance policy that need to happen in many of these scenarios. Your agent can also assist you should your child need renter’s insurance for their dorm or living situation while at college.

Your insurance agent is more than just that, they can help you navigate the complicated insurance waters and help make updating your insurance policies a breeze. Let the local, independent insurance experts at Pacific Ridge Insurance in Klamath Falls, OR assist you with your insurance needs. Whether it be updating an auto policy, getting your college-bound child set with a renter’s policy or making sure that you have additional home coverage with a personal umbrella policy, Pacific Ridge Insurance is here to help. Visit their insurance website 24/7 for more information about wide range of personal insurance products they offer.

How to Avoid Decor Disasters – Holiday Edition

There is no escaping it now, the holidays are upon us. No matter how you celebrate, you have likely added some holiday décor to your home. Lights, candles and festive plants add a wonderful, warm ambiance to areas of your home but take some extra steps to ensure that your décor pieces don’t wreak havoc on your holiday.

Avoiding Decor Disasters in Oregon:

  • Holiday trees: Holiday trees, or bushes, are a common theme in many homes around our state. They may be opulent or simple, real or fake, faux snowed or natural. Each holiday tree requires a level of care to make sure that it does not turn into a fire hazard. If your tree is real, do not forget to water it! Trees will naturally lose moisture over the course of their holiday run. Household pets may steal water from under the tree and running the heater or fireplace may dry it out as well. A dry holiday tree can become a fire hazard if left unattended. According to the National Fire Protection Association, “Between 2007-2011, U.S. fire departments responded to an average of 230 home fires that started with Christmas trees, per year.” If your tree is dry, make sure to water it regularly and turn off holiday lights. It is also a best practice to not place a holiday tree near a fireplace or heater.
  • Lights: Holiday lights are used inside and outside of homes to brighten up the night. When placing your lights, make sure to place the correct type for the environment you are in. Inside lights for inside your home, outdoor lights for outside of your home or indoor/outdoor lights for either. If your lights have lived in storage since the last holiday, make sure to check that they are in proper working order free of wire frays or cuts. Frays or cuts in the wires could result in a fire under the right conditions.
  • Plants: Holiday plants are all over the stores. Mistletoe and holly, wreathes and poinsettias are often incorporated into a holiday décor scheme. There is a caveat: mistletoe, holly and poinsettias are all poisonous to both pets and people. If you plan on making any of these plants apart of your holiday decorations, make sure that they are up and out of the way, free from little hands and pet nibbles. If a child or adult happens to ingest any of these plants, a call to Poison Control (800-222-1222) is a must. If it is your pet, call your vet or local emergency vet immediately.

By taking a few extra steps like unplugging your holiday lights before you go to bed or when you leave the house, can help you avoid a decor disaster this holiday season. Before the holiday décor goes up, make sure to talk to your local, independent insurance agents in Klamath Falls, OR about your homeowner’s insurance. Pacific Ridge Insurance can assist you with any questions you may have, like “Does my homeowner’ insurance cover accidental fires?” Their expert agents can walk you through your policy and even add additional coverage like personal umbrella insurance should you want extra protection beyond your homeowner’s insurance. Be sure to check out their insurance website 24/7 for the other insurance products they sell and for more holiday tips visit the U.S. Consumer Product Safety Commission tip sheet.