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April 20, 2016 / roqueagency

What’s Your Average Morning Like?

Getting to work can be quite hectic most mornings, to say the very least! Most of us have a scheduled routine for getting the kids up, getting ourselves showered, dressed and ready, preparing some sort of breakfast for ourselves and/or others, perhaps making lunch for the kids before dropping them off at school or daycare and OH THE TRAFFIC. THE RETCHED TRAFFIC!!motorcycle-accident MBORO

Now, imagine that traffic light turning orange as you approach and rush through to save a minute from being late when this happens on your way to wherever. Is everyone OK? Is anyone injured? Where is the Motorcyclist? Who’s your Auto Insurance with again? Better call work and let them know you’ll be late. Ironically, you haven’t thought ONCE about your monthly premium, just whether your insurance will cover all these damages.

Sadly, if you’re still driving on 100/300 limits like most did back in the 80’s and 90’s, you might be in for a rude awakening as the 21st century prepares its slap in the face. It may be too late to mind those Law Firm TV commercials touting the sizable awards they’ve won for their accident clients. Maybe too late to learn the average auto accident judgement in Tennessee today exceeds $500,000 and awards exceeding $1,000,000 result in 15-20% of all cases.

If you don’t know what your coverage provides, have a local agent or even remember who yours is, it’s time you come see us. We’ll discuss your Liability and Uninsured Motorist limits for today’s medical and legal expense world because sadly, here in Tennessee 1 in 4 are driving on state minimum coverage or less.  We’ll help you be protected, not surprised, and probably get more than you’re already paying for.

Google+Luis Roque is a local, Independent Insurance Agent whose goal is to help clients “Be Protected, Not Surprised, and Get More Than You’re Already Paying For.”
Roque Agency Insurance is located at…

150 Uptown Square, Suite C
Murfreesboro, TN 37129.

Or click here to call us at (615) 582-3382

November 30, 2015 / roqueagency

Oh, No! TN Seat Belt fines are doubling to $25!! GET SERIOUS!!

Well, if you haven’t accepted the facts by now, SEAT BELTS SAVE LIVES. When properly used, seat belts work alongside their ever important, and safety engineered, vehicle windshield, airbags and chassis, to protect your body’s physical safety and integrity during a collision. Starting in January 2016, our friend “Johnny Law” will begin reminding us all of their importance by doubling fines when you’re found riding on Tennessee roadways without your seat belt. But, let’s get serious – $25!! I’ve had pricier parking tickets than that. If society wants to encourage seat belt use, then make the first time offense a $500 fine and subsequent offenses $1000. The penalties should at least approximate the annual cost of an average $1M Life Insurance policy, which they should carry if they’re going to ride without wearing seat belts!

Have you ever seen what happens to unbuckled occupants, not to mention their fellow passengers, who who are injured when “Too Cool for Seat Belts” passengers become human projectiles in an auto accident? IT’S SICKENING & DEADLY!

Folks. The windshield won’t stop you from being ejected out the vehicle if your seat belt is not on.  The airbags won’t save you from traumatic internal injury if you slide underneath them when your seat belt isn’t on to hold you in place.  The vehicle’s chassis can’t shield you when you fly outside it because you weren’t wearing your seat belt. Don’t risk your life, or the lives of others in the vehicle with you, by not wearing your seat belt. It might take getting off of a seat belt violation several thousand times to equate to the loss you’ll sustain or impose by not wearing your seat belt during just one collision.  Be Safe – Buckle Up!

Google+Luis Roque is a local, Independent Agent who strives to help clients “Be Protected, Not Surprised, and Get More Than You’re Already Paying For.”
Roque Agency Insurance is located at…

150 Uptown Square, Suite C
Murfreesboro, TN 37129.

Or click here to call us at (615) 582-3382

November 5, 2015 / roqueagency

Program ICE into your cellphone “In Case of Emergency”

How would you get word to your loved ones if you were to became suddenly incapacitated?  It could happen due to a sudden physiological event car-accident-victim-on-stretcher(heart attack, seizure, stroke), automobile or motorcycle crash, recreational accident or any number of other ways.  How might Emergency Responders (Fire, Police, Paramedics – WE LOVE THEM ALL!!) know who to notify of your urgent change in circumstances?  It’s pretty simple really!  Most all of us now have cellphones, right?  We highly recommend programming ICE for “In Case of Emergency” into your phones with the name and number to whom you’d like notified should you be found incapacitated and unable to speak.  We didn’t come up with the idea, but think it’s just ingenious and wanted to pass the little safety nugget along to all.

Next, schedule a meeting with your agent to go over your Auto, Motorcycle & Life Insurance policies.  People today earn more than ever before and medical costs are rising at astonishing rates.  We highly recommend carrying no less than a $500,000 basis of Auto Liability and Uninsured Motorist coverage, no less than a $1M Umbrella policy (w/ Excess Uninsured coverage if available) and insuring yourself with a minimum of $500,000 worth of Life Insurance for every dependent (i.e. wife + 2 kids = $1.5M) you might leave behind on a tragic day.  If you don’t have an agent or can’t remember who yours is, come see us.  We’ll help you be protected, not surprised, and get more than you’re already paying for.

Google+Luis Roque is a local, Independent Agent who strives to help clients “Be Protected, Not Surprised, and Get More Than You’re Already Paying For.”
Roque Agency Insurance is located at…

150 Uptown Square, Suite C
Murfreesboro, TN 37129.

Or click here to call us at (615) 582-3382