PVI is Always in Style!

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Brandon Strausbaugh, PVI Manager, had his television commercial debut sewn up!

Just as a fashion house works long and hard to get their Spring or Fall line ready for its official runway debut, PVI has been working long and hard to fashion our new  “Persona” to perfection. In fact the pattern for our new theme was cut long ago, we were just waiting for the perfect venue to put all the pieces together.

Sew, we won’t keep you on pins and needles any longer! On Tuesday, August 9th, we officially launched the new PVI “Tailor” persona with a television commercial that will run in the fall. (But more about that a little later.)

We, at PVI, believe the precision and expertise that is associated with fine craftsmanship should be applied to insurance. After all, insurance isn’t one-size-fits-all; it’s personal. It’s about the people and things that matter most to you: your family, your home, your possessions and your business.

That’s why we chose the Tailor persona, because it best reflects how we do business. When you trust your insurance needs to one of our Independent Agents, you can be confident in knowing your policy is tailored just for you, to fit your unique style and personal needs.

So why choose “off-the-rack” when we can tailor an insurance portfolio that fits you to a T? Remember, the PVI Standard is always a cut above. Give us a call today to schedule your custom fitting! 760-749-2383

And watch for our brand-new commercial! It will be airing September through November during The Neighborhood SD on The CW Channel 6 with Ty Hines!

 

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Businesses Taking Care of Business

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Brandon Strausbaugh, Manager at Pauma/Valley Insurance Agency, Inc. (PVI), joined other community supporters at this morning’s Chamber of Commerce SunRiser

Although many organizations take August off, especially as far as meetings go, the Valley Center Chamber of Commerce is not one of them. So, in other words, it was “business as usual” for the group of dedicated individuals who met this morning for the monthly SunRiser at the Chamber office.

Today’s event was sponsored by the Valley Center Municipal Water District and attendees were updated on the current local water supply and the status of the new sewer system being installed. All attendees also had the opportunity to introduce themselves and tell a little about their respective businesses.

The monthly SunRisers, hosted by the Chamber of Commerce, are held the first Friday of the month and are an excellent opportunity to meet and greet other community-minded individuals, receive status updates on issues of interest, while promoting your business.

We hope you’ll join PVI in supporting our community and look forward to seeing you at the September SunRiser!

 

 

 

 

 

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Identity Theft is No Mickey Mouse Operation

 

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You just received your monthly credit card statement. You open it and see all the charges from your recent trip to Disney World: first class travel, top-rated resort, finest restaurants and nightly entertainment. Wow! Such a wonderful vacation! You only wish you had been there!

Instead of a trip to Disney World, you have just arrived in the Land of Identity Theft, the Twilight Zone version of an Amusement Park, and you have been taken for a ride. Unfortunately, there definitely is nothing amusing about being there.

But you are not alone. According to a recent report, approximately 13 million people experience identity theft annually with an average loss per victim of $2294. On average, consumers spend $400 in out-of-pocket expenses and spend more than 11 hours of time trying to resolve their case.

Of course, credit card fraud is only one aspect of identity theft. Other ways criminals take advantage is through phishing for personal data, email hacking, using social media, data breaches, etc. The more digital we become, the more vulnerable we become.

So what can you do about it? The answer is to be as proactive as possible before there’s a breach and PVI can help you with that! For just a few dollars a month, we can cover you and your family members with Identity Protection Services. In addition to providing you with educational information and resources on preventative measures, you also have access to a fraud specialist 24/7 in the event your identity data is compromised and/or stolen. Here are just a few of the benefits of this service:

  • Fraud Alerts
  • Document Replacement
  • Financial Fraud Support
  • Travel Identity Theft Support
  • Medical Identity Theft Support
  • Tax Fraud Support

The good news is, if you currently are a PVI customer, you already may be covered for Identity Theft through one of your existing policies. If not, or if you’re not sure, just give us a call and we’ll be pleased to go over your coverage and options with you.

Our customers’ peace of mind is of the utmost importance to us. That’s why our pledge to you is to “do everything we can to make your lives Safer, Simpler and more Secure.” In other words, we want to do our best to insure that, wherever you are, it’s the Happiest Place on Earth!

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PVI is your ticket to Identity Protection Services. Give us a call today: 760-749-2383 or email us at info@pvins.com.

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“Craft Beer – It’s Not a Rough Draft”

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Craft:

Noun: An art, trade or occupation requiring special skill, especially manual skill

Verb: To make, create or fashion with great care, skill and ingenuity

By its very definition, craft beer encompasses both a noun and a verb. Whether you are referencing the finished product, or the process that brought it to fruition, it is all about the craft. Perhaps that’s why craft beer is the fastest growing segment of alcoholic beverages in the U.S. In fact, according to the San Diego Brewers Guild (the third-largest guild in the U.S.), San Diego is by far the largest city or county guild in the country, and its breweries have become known for excellence, originality and award winning beer, making it the Capital of Craft!

Although craft beer was not born in San Diego County, California is its birthplace. According to the California Craft Brewers Association, in 1965 Fritz Maytag took over controlling interest in the Anchor Brewery in San Francisco, which was on the verge of going out of business. He soon began brewing authentic, artful beers and reintroducing lost styles. He proved that Americans were ready for a different kind of beer; beer with flavor, diversity and history. His Anchor Brewery became the first “craft” brewery since prohibition and was the inspiration that sparked a revolution in brewing. The American craft brewing movement had begun. Maytag was followed by New Albion, in 1977 in Sonoma, the first American modern microbrewery, and then by the Sierra Nevada Brewing Co. in Chico in 1980, that created the American-style Pale Ale.

Today, there are over 700 breweries operating across California. As a consumer, what this means to you is that you have unlimited choices when it comes to enjoying the craft of others. As a crafter, or if you are considering becoming one, what this means to you is that there has never been a better opportunity to pursue your craft, or expand your brewery.

But with opportunity comes choices and responsibilities. How can I best protect my investment and limit my liability? How can I grow my business, while making sure all my bases are covered? As my employee base expands, how do I insure their well-being? These are just a few of the issues you will want to consider.

That’s where we come in. Just as you excel at your craft, PVI excels at ours! As Independent Agents, we are able to utilize our experience and knowledge of all types of insurance through the 50 carriers with which we are affiliated, and craft the perfect insurance portfolio to meet your needs at an affordable cost. We are with you and your business every step of the way; from conception to completion, from first call to last, we are always on tap! In fact, PVI pledges to do everything we can to make sure, that when it comes to insurance, no one ever has you over a barrel!

For more information, please give us a call today: 760-749-2383, or check-out http://breweryinsure.com.

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A Noteworthy Notary

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When PVI relaunched our newsletter a few months ago, we decided it warranted a new name more reflective of who we are and what we represent: our mission, our goals and our commitment to our valued customers.

elreyTo encourage input from our readers and customers, we ran a “Name Our Newsletter” contest through our newsletter and received several worthy suggestions. The top three entries received $25 gift certificates to El Rey Mexican Restaurant in Pauma Valley.

One of those worthy contributors was Nadine Ganz, n20ganz202owner of Nadine’s Notary on Wheels. Nadine rolled in to the PVI office today to receive her gift certificate, presented to her by Maricruz Avelar.

Thank you, Nadine, for participating in our contest and we know you’ll enjoy your dinner at El Rey. Buen apetito!

If you are not receiving our monthly emailed newsletter, the PVI Standard (Always a Cut Above), please click here to sign-up. Thank you!

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Another Illuminating Study on Headlights

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Chances are, when you purchased your most recent vehicle, headlight performance was not a deciding factor. But, since most of us don’t like to take chances with our safety and that of our passengers, it is worthy of consideration, especially in light of the most recent study by the Insurance Institute for Highway Safety (IIHS).

In April, PVI wrote an article on the first study the IIHS conducted on headlights, which focused on midsize vehicles: Shining Some Light on Headlights. That study revealed that factory-installed headlights did not fare well. The most recent study focused on small SUVs, and the results were even worse.

Of the 21 SUVs tested, not one earned a “Good” rating based on IIHS’s headlight evaluations. There are 47 different headlight combinations available for the 21 SUVs, but only four received an “Acceptable” rating. More than two-thirds of them were rated “Poor.”

Government standards for headlights are based on laboratory tests, which don’t accurately gauge performance in actual road conditions. The fact that half of all traffic deaths occur either in the dark or around dawn or dusk illustrates the importance of such tests for optimal headlight performance. IIHS engineers evaluate headlights on the Vehicle Research Center’s track after dark. A special device is used to measure how far the light is projected as the vehicle is driven on five approaches: traveling straight, a sharp left curve, a sharp right curve, a gradual left curve and a gradual right curve.

The IIHS rating system doesn’t favor one type of technology over the other. Instead, it simply measures the amount of usable light provided by low beams and high beams as vehicles travel on straightaways and curves. However, vehicles can earn extra credit if they have high-beam assist, which automatically switches between high and low beams based on the presence of other vehicles.

Seventeen of the rated SUV headlight combinations have unacceptable glare. “Glare issues are usually a result of poorly aimed headlights,” says IIHS Senior Research Engineer Matthew Brumbelow. “SUV headlights are mounted higher than car headlights, so they generally should be aimed lower. Instead, many of them are aimed higher than the car headlights we’ve tested so far.”

As with midsize cars, the IIHS evaluations of small SUVs showed that a vehicle’s price tag doesn’t correspond to the quality of headlights. More modern lighting types, including high-intensity discharge (HID) and LED lamps, and curve-adaptive systems, which swivel in the direction of steering, also are no guarantee of good performance.

“Manufacturers aren’t paying enough attention to the actual on-road performance of this basic equipment,” says Brumbelow. “We’re optimistic that improvements will come quickly now that we’ve given automakers something to strive for.”

IIHS Headlight Ratings for Small SUVs

Best available headlight system for each model. (2016 models unless specified)

Acceptable

2017 Ford Escape

Honda CR-V

Hyundai Tucson

Mazda CX-3

Marginal

BMW X1

Mazda CX-5

Mitsubishi Outlander

Toyota RAV4

Volkswagen Tiguan

Poor

Audi Q3

Buick Encore

Chevrolet Trax

Fiat 500X

Honda HR-V

Jeep Patriot

Jeep Renegade

Jeep Wrangler

2017 Kia Sportage

Mitsubishi Outlander Sport

Nissan Rogue

Subaru Forester

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The Insurance Institute for Highway Safety is an independent, nonprofit scientific and educational organization dedicated to reducing the losses — deaths, injuries and property damage — from crashes on the nation’s roads.

The Highway Loss Data Institute shares and supports this mission through scientific studies of insurance data representing the human and economic losses resulting from the ownership and operation of different types of vehicles and by publishing insurance loss results by vehicle make and model.

Both organizations are wholly supported by auto insurers.

 

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Safe Boating is No Accident

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If you’re fortunate to live in Southern California, you know that enjoying recreational boating and watercraft is a year-round activity. Of course, the numbers naturally increase during the summertime with warmer temperatures, longer days and vacationers from all over coming to enjoy our coastline, lakes and waterways.

That’s also when exercising boating safety is even more critical. From small to large; from slow to fast – whatever type of craft you have, increased numbers combined with less experienced boaters can change the tide on your good time and leave accidents in their wake.

According to the California Recreational Boating Accident General Statistics, provided by the California State Parks Division of Boating and Waterways, in 2015 there were 282 boating accidents in Southern California that resulted in 121 injuries and 19 fatalities. These accidents represented 56% of all accidents statewide, 52% of injuries, and 39% of fatalities. The fatalities were an increase of 58% over the previous year.

We certainly don’t want to capsize anyone’s fun! Enjoying the beautiful waterways in Southern California is one of the best parts about living here. But what we do want is for you and your crew to get the most out of your water experience and the best way to do that is by insuring your safety as well as your equipment!

When it comes to navigating the unknown waters of insurance, let PVI be your anchor. With one of our Independent Agents, you have a knowledgeable and experienced guide to explain the various options available from the over 50 carriers with which we are affiliated. We can help you tie-down the perfect line of insurance for your personal recreational boating/watercraft needs, while saving you money in the process. If you already have another policy with us, we can save you even more!

But even more important is your overall safety. Do you know the latest rules of the water? Is all your equipment in good working order? Is your safety kit current? You can insure you’re up-to-date on all the latest “need-to-knows” about boat safety and governing laws by getting the latest publication from the California State Parks Division of Boating and Waterways. Please click to get your free, downloadable copy of The ABCs of Boating Law and Safety.

With PVI providing the coverage you need, from bow to stern and everything in between, you are free to cast off and enjoy the fun! Smooth sailing!

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Give us a call today for your free quote! 760-749-2383

Or email us: info@pvins.com

Pauma/Valley Insurance Agency, Inc.

27357 Valley Center Road

Valley Center CA  92082

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