Edition 1 : 2011
President | Trusted Advisor Gerald Reed’s Good News
A Newsletter For Friends & Clients of The Summer Group Insurance Agency
Follow Us On: http://www.linkedin.com/in/summergroup http://www.youtube.com/thesummergroup
IN THIS ISSue . . . A VERY BIG PROMISE…
2010 Grand Prize Winner Is . . . . . . . .2 Announcing the 2011 Referral Rewards Program!
Business Corner . . . . . . . . . . . . . . . . . . .3 If You Were Given $10,000 to Donate to the Local Charity of YOUR Choice…
Teen Driving Safety Tips . . . . . . . . . . .3 Who Would You Give the Cash to…? I’m Going to Give You an Opportunity to do Just That! Interested?
Don’t Get Caught . . . . . . . . . . . . . . . . . 4 If you would like to help us make a difference, together we can build
Vacant Homes: Warning! . . . . . . . . . . 5 strong families and a healthy community…
Is That Mike Scioscia? . . . . . . . . . . . . . 5 As we move into a new decade in 2011, I want to say Thank You once again for all your referrals. They are very
O.C. Baseball Hits Lithuania . . . . . . . 6 much appreciated. Our business depends upon referrals from clients just like you! Referrals are so much a
part of our success, that we decided to make a Big Promise to you in 2011. We have created a way for you to
A Hero Amongst Us . . . . . . . . . . . . . . . 7 win and also some of those families less fortunate than us to win as well. How…? We have created a program
Check Out This Classic Mustang. . . 8 called “We Promise”.
Here’s how it works… We Promise that if you will put your personal and professional name on the line and
refer a prospective client to us, We Promise we will take care of that client, and We Promise to make other
people’s lives more rewarding by donating $20.00 to a local charity of your choice for every referral you send
us! That’s right, we are doubling our charity referral amount to $20 bucks for every referral you send us! No
That’s right, our We Promise referral program will send $20 for each
“Thank you for joining our crusade to referral we receive to a local charity of your choice. Now it does not
make animals’ lives better. Thank you for matter whether your referral buys from us, n or does it matter if the
letting them know that they are not for- person referring us is even a client of ours. The bottom line is that We
gotten. Thank you for the gift of life that
Save up to your tremendous donation will bring to
Promise if we receive a referral from you or anyone-we will donate $20
to one of the charities listed on our Donation Station flyer.
37% or MORE! orphans in need of some kindness. Thank
By Combining All How are we picking the charities you ask? Actually, we want YOU to
you for your belief and generosity.”
Your Insurance With Us! Haze Lynn, Founder pick the charities!! Each time we receive a referral from you we will
ask you to nominate a specific charity, or you can choose from the list
Take Me Home Animal Rescue
Did you know we offer that has already been started. Our goal this year is to donate $10,000
just from our We Promise referral program to local charities (this is in
all these services?! addition to the usual donations we make throughout the year…in 2010 we donated $41,756)
q Home Insurance But wait…there’s more…Much More! We are also going to give
q Condo Insurance away four, yes 4 Apple iPad Tablet Computers!!! One Winner every
q Auto Insurance quarter in 2011 will Win an iPad. There is no limit to the number of
q Personal Umbrella entries you can make. One entry for every referral!
q Life Insurance
q Flood Insurance We have had a lot of Grand Prize Winners the last few years… read
q Business Insurance on to see the 2010 Grand Prize Winner of $1,500…and if you want
q Health Insurance to see how surprised and happy he was to win, you can watch
P Apartment Buildings the video of us presenting Vasilios Plastaras with $1,500 in Cash
P Restaurants sweepstakes style on youtube. Go to http://www.youtube.com/
q thesummergroup and watch. It is so cool!
q Antique Cars
q Water Crafts
q Motorcycles “We Judge Our Success by How Much We Give”
P RV Motorhomes - Gerald Reed, President/Trusted Advisor
q Mechanical Breakdown
q Workers Comp Hop on the Train with Mason all the way to Donation Station…
P Group Health more info enclosed!
1530 W. Whittier Blvd., La Habra, CA 90631 • (562) 690-9770 • (888) 541-9444 • Fax (562) 690-9771 • www.SummerGroup.net
The 2010 Grand Prize Winner
Vasilios Plastaras is our 2010 Referral Rewards Grand Prize Winner of $1,500
CASH! Vasilios was so surprised and excited to win. Vasilios hopes to use the
money to return to Greece for a vacation!
You can watch as we present the money to Vasilios by visiting us on
Facebook, youtube or our website. It is so funny to watch the surprise in his
face as he begins to understand what he just won!
Our Referral Rewards Program, whether to say Thank You with a card,
gift, Grand Prize or charitable donation is simply our way of letting you
our wonderful clients know and remind you our business depends upon
referrals of clients and businesses just like you and yours.
Ultimately, it is our belief and hope that regardless of the fun gifts and
prizes, YOU send your family, friends and colleagues to us because we
have served you well and YOU want those close to you to have the same
experience. This is why we are here for YOU and what we strive for
every single day while working for YOU!
Visit us at one of the following links
to watch Vasilios: This could be you!
• http://www.linkedin.com/in/summergroup Thank you very much for continually placing your trust in us!
“We Judge Our Success by How Much We Give”
- Gerald Reed, President/Trusted Advisor
BUSINESS CORNER Spotlight On Your Protection Team
Scott Clayton recently celebrated his 20th
We are seeing a lot of Anniversary with The Summer Group. With
well over two decades of both personal &
issues with making
commercial insurance experience, Scott
payments on time during possesses a wealth of sales management
these hard economic experience and a proven ability of successful
times. If you are having sales and business development.
problems coming up with Scott grew up in an insurance family-his father,
the amount due to renew Chuck has been a State Farm agent for over 45
your coverage, or making years, and his brother Randy has been a State
a payment, please contact Farm agent for over 20 years. Scott takes pride
Shawn Goodman me BEFORE the due date. personally assisting clients just like you.
Commercial Lines Manager
Hard to place risks that do not fit the traditional
If you miss the due date, standard insurance market due to losses or other contributing factors are Scott’s specialty.
you may end up with There is nothing he can’t place coverage for. Scott truly enjoys “the thrill of the hunt” when
a lapse in coverage, and possibly lose renewal it comes to the off the chart type of business that most insurance agents just would have no
credits which could end up costing you a lot of idea what to do.
money. Scott resides in Whittier with his two children, Taylor and Briana. Taylor is currently
attending Pepperdine University and is actually headed to China this month to study for a
There may be alternative payment plans, so please semester. Briana is a high school freshman. Scott enjoys spending time with family and
call me before letting your policy cancel or expire! friends, boating, and camping in the desert.
I am here to help ensure your success in 2011!
—2— Phone (562) 690-9770 • Toll Free (888) 541-9444 Follow us on:
IN YOUR COMMUNITY
Josiah’s House Orphange Los Angeles Mission Calvary Chapel Christian Centre
$10,000 Donation $1,600 Donation $250 Donation
Pediatrics Cancer Research Foundation Operation Help A Hero
$7,000 Donation $1,500 Donation Take Me Home Dog Rescue
Menifee Valley Community Cupboard
$250 Donation 9-11 Help America Foundation
TeeN DrIVING SAFeTY TIPS - MY SON AXeL HAD HIS FIrST BeHIND THe WHeeL LeSSON TODAY!!!
A drivers license and/or owning a car is one of the biggest responsibilities your teenagers may have. Here is a list of things
they should know how to do before they go out on the road - complete with what should be kept in the car
• Pump their own gas • Check and add oil • Check the car’s coolant
• Check the brake fluid • Check location of spare, jack and lug wrench • Learn how to jump start the car
• Change a tire • Add windshield washer fluid • Learn how to take off and put on windshield wipers
• Practice left hand turns • Practive three point turns • Prepare an emergency car care kit
Before your teenager actually uses their kit in an emergency situation, have them take some time to familiarize themselves
with the items they’ve collected and how to use them properly. An example of this would be to let them set off a flare.
• Four 15-minute roadside flares & a lighter • A gallon of water • A basic first-aid pack
• Dried fruit, nuts or other nonperishable food • A bag of cat box filler or rock salt • A large flashlight and extra batteries
• Oil and a funnel • List of phone numbers to call • Jumper cables
• Blanket • Rags • Roll of paper towels
• Roll of duct tape • Tools such as wrenches, screwdrivers, pliers, socket wrenches, etc
Did You Know? Any cell phone will dial 911 and get through to emergency services ~ even if it is not connected to a phone service?? So, yes, you can give them a
phone that does not actually call anybody except 911...
DON’T GET CAUGHT WITH YOUR COVERAGE DOWN...
Every homeowners insurance policy has limitations on jewelry (including watches, precious and semi-precious stones). Typically, your policy
restricts jewelry collectively to a mere $2,500. Chances are this amount may be inadequate to fully protect your most valued pieces. What
can you do to protect yourself? We can either increase this collective amount, which still has some limitations in terms of coverage and
deductible…..or better yet...
The Ideal Solution
The best way to protect your jewelry is with a special “floater” policy or scheduled endorsement to
your existing policy. It covers you with broad protection for a very reasonable premium. Here’s just
a few of the important extras that this policy provides:
• Scheduling of specific items with a pre-listed insurance value, based on a recent appraisal or
• No deductible on these items – your homeowners policy has a deductible.
• Coverage is far broader with a floater. For instance, you are protected against more than
loss by fire or theft. You are also covered against accidentally leaving your ring in a
restroom and not getting it back, the loss of a precious stone from a ring or other setting.
Protection That Is Affordable
Premiums for jewelry insurance are typically charged a percentage of value, usually 1.50-3.00%.
Therefore, if you need a total of $10,000, your annual premium is only $150-$300!
What You Need To Do Now
Call today. Ask about upgrading your limited jewelry insurance protection to a much broader floater policy. It’s a smart move
that’s well worth exploring. We can also schedule such other items as furs, cameras, silverware, fine arts, Firearms and any other collectible
items that are value to you.
Note: This brief overview does not explain all of the homeowners policies or jewelry floaters terms, coverages, definitions, limitations, and exclusions. Please refer to the actual
contract or policy endorsements for full language.
Do You Know the Difference Between
an Independent Agent/Broker and Is Your Golden Retriever on the “Bad” Dog List?
a Direct Writer Agent?
A Direct Writer The numbers speak for themselves: According to the Center for Disease Control and
Agent (Farmers, Prevention, 40% of Americans homes have a dog. There are 4 million dog bites per
Allstate, year, and dog bites create 33% of all homeowner liability claims resulting in more
Nationwide, than $1 billion in claims per year. And, dog bites are the number one reason for
Progressive emergency room visits!
Personally, I do not think the dogs are to blame, but more the dog owner. As a dog
owner, you must be responsible. Start off with a breed that is acceptable to your
homeowners insurance carrier (call us first!). After you pick your new family member,
be a responsible owner. Consider these tips to avoid having a claim brought against
you do not fit into their program, or their
• Have your dog spayed or neutered.
rate specialty you may not be able to get the
• Train your dog.
coverage you need, and certainly not at the
• Keep your dog on a leash when walking.
most competitive price.
An Independent Agent/Broker (such as The Golden Retriever is not on the “bad” dog list --the following, according to a
ourselves) represents many companies and Centers for Disease Control and Prevention study, are the purebreds responsible for the greatest number of dog-bite-related
represents YOU! We offer policies from a fatalities from 1979 to 1998.
number of different companies. Many have What are the worst dogs when it comes to biting? The breeds are listed in declining order of fatalities:
different features to match YOUR needs.
1. Pit Bull-type 4. Husky-type 7. Chow Chow
If you want great protection, great value, 2. Rottweiler 5. Malamute 8. Great Dane
different features…use an Independent 3. German Shepherd 6. Doberman Pinscher 9. Saint Bernard
Be a responsible dog owner, no matter the breed!
We do the shopping for YOU!
—4— Phone (562) 690-9770 • Toll Free (888) 541-9444 Follow us on:
Insurance Commissioner: Vacant Homes Pose Insurance Risks
As More Houses are Left Unsold, Owners of Unoccupied Property Should Review
Homeowners Policy and Consider Vacancy Protection Options
The California Insurance Commissioner encouraged California homeowners to review their homeowners’ policy and to consider their options regarding vacancy protection. As the U.S. housing
market struggles to rebound, many homeowners are stuck with hard-to-sell properties longer than expected. Some frustrated home sellers who must relocate for a new job opportunity, want to
downsize or simply want to buy a new place have left homes empty. Vacant or unoccupied homes can leave the homeowner exposed to loss and liability that may not be covered by their insurance.
The Pending Home Sales Index, released on August 3 by the National Association of Realtors, dropped 2.6 percent to 75.7 based on contracts signed in June from 77.7 in May, and is 18.6 percent
below June 2009 - another sign of the stagnant housing market.
“In many cases, people who have been trying to sell their homes for awhile have moved forward with their plans regardless, leaving a vacant home on the market,” said Commissioner Poizner.
“Having an unoccupied home can create several insurance implications that typically are not covered under a standard homeowners’ policy.”
The Added Risks of Vacant Homes
Homeowners’ policies are meant to insure homes that are occupied, so they generally include exclusions for neglect or property
abandonment on a home left vacant or unoccupied for a specified number of consecutive days.
Because vacant and unoccupied homes pose a higher risk for damage than occupied homes, insurance companies insure these
properties differently and usually at a higher price. These risks include:
• Break-ins: When a home has been unoccupied for awhile, it can show signs that nobody is around - unkempt lawn, full mailbox,
and no lights on - that can tip off burglars to an easy target.
• No emergency response: Without anyone home to call 911 or respond to emergencies, a manageable problem - such as a small
electrical fire - can turn into a much larger, more costly disaster.
Keeping Your Vacant Home Properly Insured
As there are variations in language addressing vacant or unoccupied dwellings in the policies issued by insurers, it is of the utmost importance that homeowners read their individual policies very
carefully. The definition of vacancy and unoccupancy can vary from policy to policy. Some insurers may not pay claims if a home is vacant for 60 days or more. Some policies might automatically
shift to a different amount of coverage (e.g. liability insurance only) after a specific number of days left unoccupied. It is also not unusual for policies to exclude coverage for losses due to vandalism,
malicious mischief and/or breakage of glass if the dwelling had been unoccupied for more than 30 consecutive days prior to the loss.
Some homeowners’ policies have a “vacancy clause” that can be triggered if the homeowner is gone for an extended period of time. If this happens, the homeowner could violate the terms of their
contract and some or all of their coverage may not apply in the event of a loss.
“Before you decide to leave a home vacant or unoccupied for a long period of time, talk to your insurance agent or insurance company to learn how they define vacancy and unoccupancy, and
whether the company will pay claims if a house is unoccupied,” added Commissioner Poizner. “Be honest about your situation, because while an extra policy or endorsement to provide coverage
during the vacant or unoccupied period of time might cost more, it could save you money down the road should there be an accident or damage to the home.”
Many insurance companies offer an endorsement that will provide coverage for a dwelling that is unoccupied for an extended period of time. Vacancy policies can also be purchased for different
term lengths to cover a few months to a year, depending on the need.
How much you pay for HERE IS ONE FOR BOTH Dodgers & ANGELS FANS…
auto insurance depends
Gerald Reed (the taller
on several factors,
guy on the left) pictured
including your age and
with Mike Scioscia following
marital status, where a recent charity luncheon
you live, and what where Mike was the speaker.
you drive. You can’t do
anything about your “If you are going to lead, you
age, and few people have to know how to lead
will move just to lower their insurance premium. yourself” said Mike’s Mother
You can, however, choose a vehicle that costs less as he was leaving for spring
training to join Dodgers as a
to insure. Give me a call before you buy to check the
very young man.
rate! Give Jeanne a call or email her at
I Heard It On O.C. BASEBALL TEAM HITS LITHUANIA
Our friends and clients Jeff & Kim Carr shared this story with me
Gerald Reed was recently heard
recently, and I thought it was surely worth sharing with all of you.
over 50,000 Watts across the
southland as an invited expert A team of teenage baseball players from Orange County went to play
guest on the ESPN Real Estate in a tournament where few American ballplayers have ever been. This
Radio network. The show title annual excursion has been going on since 2005. The team’s assistant
“So you got engaged over the coach has learned it’s safe to say that none of the kids or parents comes
holidays…Are you ever planning home the same. The kids will never forget what they saw. The coach
on living together” hosted by went on to say how he has received emails from parents following the
Ron Siegel on KLAA AM830 ESPN trip with things like: “My son love me more…He Picks up his room…
Radio discussed issues related to His grades are better…My son doesn’t think the world revolves around
living arrangements with expert him anymore”.
panelist, Attorney Keith Dolnick, Well, the boys got to see the Nazi Concentration Camp in Vilnius, Lithuania’s Capital. Lithuania was occupied by the Soviet Union, then the
Real Estate Expert and attorney, Nazi’s and then the Soviet’s again from the 1940’s until 1990 when Lithuania became the first state to break away from Russian control.
Melinda Johnson and insurance Maybe it comes from playing against boys who are persecuted in their home countries (Like Belarus) for playing an American Sport. Or the
expert Gerald Reed. kids wearing hand me down gloves, clothes, uniforms or the fields so full of divots that some balls disappear into the earth. Or, maybe that
first bite of codfish pizza!
That is a nice story, but the next part is what hit me the most. A couple of years ago, the O.C. team advanced to the third/fourth place game
to meet up with a team from Belarus. The Belarus coach was a bear of a man, huge and intimidating. The O.C. team from Ladera Ranch
beat them 9-4 taking third in the tournament. After the game, the Ladera Ranch players stripped off their uniforms and gave them to the
Belarus team. They also presented their opponents with two huge bags of baseball gear! Now…I guess if you saw this Belarus Coach in a
dark alley you would run. This bear of a man broke down in tears…As the coach said, “This trip is not about baseball.”
Thank you to the Carr family for caring and sharing your story with all of us!! And, congratulations to JJ Carr for being the Tournament MVP!
So easy… Positive & Professional…
“The Summer Group & Mercury Insurance were so easy to “I’ve been a client
deal with. They processed the claim quickly. My cousins of Summer Group &
car was involved in this same accident & he had a lot of Mercury for about 9 years
problems. He had Farmers.” now. I recently needed
Ricardo Gutierrez, San Gabriel CA assistance with a claim.
Working with Lindsey
1:30am Hit & run… has been welcoming.
“It was a hit and run- 1:30am at 18th St and Olive. I called Lindsey has responded
the 800 number and talked to Joe. He called a tow truck to my questions and
and it arrived within 45 minutes and I was on my way my requests in a professional efficient manner, which I
home. My car was a total loss. Got a rental car the next appreciate. I look forward to working with Lindsey on any
day- 6 days later I had my check for my car! You guys are further inquiries. Lindsey represents Summer Group in a
the best! Thanks so much!” positive and friendly professional manner.”
David Fuchs, Whittier CA Anna Garcia, Hacienda Heights CA
I’m Happy… I wouldn’t consider changing insurance companies …
“The Summer Group & Mercury Insurance resolved “Everyone was very nice, helpful, speedy & fair. It was a
the matter for me very quick and in a timely manner. very smooth experience. I wouldn’t consider changing
I;m happy having Summer Group and Mercury as my insurance companies after this experience & shared this
insurance!” with friends and family.”
Rene Cespedes, Rancho Cucamonga Tammy R. Tanner, Rancho Cucamonga CA
Very Nice People… Courteous, Caring & Helpful…
“Claim was handled quickly. Shop did a great job- Very “ As always, you guys are courteous and caring and
nice people.” helpful. I appreciate everything. You guys are fast
Danielle Cameron, Cerritos CA and efficient!”
Phyllis Gruntz, Corona CA
—6— Phone (562) 690-9770 • Toll Free (888) 541-9444 Follow us on:
A Hero Amongst Us… as the driver eventually pulled into a driveway of a business. When the driver got out to the truck
I asked if he was ok? He didn’t acknowledge. I asked for his drivers license, he said he did not have
one. I asked if he had insurance, he said he didn’t have any.
Here is a letter I received from Jon Perkins regarding our own
Jeanne Legarski, Personal Risk Manager: As this interaction was taking place, the driver began walking away from the truck, me and the
I would like to first apologize for any inconvenience parking lot, then broke into a run. Naturally I pursued him and the fight was on. It should be noted,
your business may have suffered because one of my wife was no help. She sat in the car and cried as I was trying to give her hand signals to call the
your employees, Jenny Legarski, was late for work police. She didn’t, she forgot her cellphone a fact she didn’t tell me until after we returned home.
yesterday. It was because of her actions, emergency While wrestling with the driver, a woman, Jeanne, pulled up in her car next to me and said she saw
assistance was summoned quickly and a bad situation what happened and called the police. Although it seemed like forever, the police did finally arrive
did not get worse. and the situation addressed.
On the morning of 9/15/10, my wife and I ran a
(in photo is Jeanne and Jon Perkins who was nice enough to I’d like to point out there were numerous cars in the intersection at the time of the crash and not
short errand within a mile from our home. While
stop by again to express his gratitude to Jeanne) one other person stopped to help or provide a witness statement. Had it not been for Jeanne’s
approaching the intersection westbound on Lambert intervention, who knows what the outcome would have been.
at Puente, I stopped for the red light in #2 lane, I believe Jeanne stopped in the #3 lane preparing to
make a right turn. We were suddenly struck from the rear by a pickup truck, launching us through I will be eternally grateful for Jeanne’s assistance, as her stopping speaks volumes of her character
the intersection. and concern for others. I would also offer to reimburse any work-time Jeanne may have missed
because of her good samaritan action.
As the striking vehicle passed me, I noted the driver to continue west on Lambert making no
indication he was going to stop. I followed closely behind the truck and began honking my horn, Sincerely - Jon Perkins
More Awards for Home Prices Down…Replacement Cost UP!
The Summer Group While the market value of your home may
have declined in today’s economy, the cost
to rebuild your home may have actually
The Summer Group was once again awarded one
increased. That’s why it’s so important
of the Top Agents nationwide by insurance carrier to make sure your homeowners’ policy
partner, Mercury Insurance Group during the annual provides you with guaranteed replacement
agent luncheon in October. cost benefits – the cost to rebuild your
home with similar quality materials and
A shortfall in insurance coverage has left
some homeowners unable to rebuild
their homes in the wake of fire, tornado,
hurricane or flood. In California, 75 percent of homeowners affected by the
2007 wildfires in San Bernardino and Riverside counties were under-insured
by an average of $240,000, according to a survey by United Policyholders, a
consumer advocacy group.
According to a recent survey of 600 independent agents and brokers by
ACE, 86% of agents reported that affluent consumers with mass market
Gerald & Lisa Reed shown with Kim Burton policies are likely to have inadequate coverage to rebuild their home if is
of Mercury Insurance Group
totally destroyed. While mass-market policies may provide a buffer of 20
to 25 % above the coverage limit, it is often not enough-especially when
losses are caused by a natural disaster affecting a large number of homes.
The increased demand for local building materials and labor can easily
outpace supply and drive costs higher than usual.
Please call me today to discuss your current homeowner’s policy, review
the specifics related to replacement costs from structural damage to recent
home improvements. I need to be informed about everything from $1,000
spent to lay a new patio foundation, to the brand new $10,000 guest
suite over the garage. Your homeowner’s insurance should be adjusted
Not all improvements change rates, but some affect your replacement and
Gerald & Lisa Reed being congratulated by rebuilding costs, which can factor into your overall insurance premiums.
George Joseph, Founder and Chairman of Make sure you haven’t outgrown your current insurance policy. Contact me
Mercury Insurance Group
now to conduct a review of your homeowners insurance.
The SuMMer GrOuP
1530 W. Whittier Blvd.
La Habra, CA 90631
Toll Free: (888) 541-9444
Fax (562) 690-9771
ThAnk Thanks to all our clients who
You! graciously referred their family,
friends and associates to our
agency. We build our agency on your positive
comments. We couldn’t do it without your help!
The highest compliment I can receive from you
would be the referral of my services to your
family, friends and business associates. For this,
I offer my heartfelt thanks and appreciation.
- Gerald Reed, President & Trusted Advisor
The Summer Group
8 Years in the Making...
Jeff Tang of el Monte California recently insured
this beautiful 1965 Ford Mustang in our Classic
Collectors program. Jeff spent 8 years meticulously
restoring this beauty only to find he could not find
the right insurance for his classic. That was until he
called The Summer Group!
“I spent so long restoring my 1965 Ford Mustang,
and I wanted to be sure I obtained the kind of
insurance coverage you need for a classic. I called
many places until I was referred to The Summer
Group. Wow, what a difference. My agent, Marcelo
knew immediately the kind of coverage I was
looking for, and the price was really unbelievable!
In fact, I moved my daily driver car insurance and
motorcycle insurance to The Summer Group too!
Thank you so much to The Summer Group and
Classic Collectors for taking such good care of my
baby and being true professionals!”
- Jeff Tang