What is Liability Insurance?

Liability insurance is when you only purchase enough insurance to pay for damage caused to another person’s property (aka property damage) and to pay for their personal injury costs if you are found at fault for an accident. Meaning, you do NOT have full coverage. Thus, you would not have coverage to pay for damage done to your own car or your own personal injuries. This is why you will notice people will typically put liability coverage on older vehicles that are 10 years or older, because the cost to repair the car exceeds the price you paid for it.

If you are unsure on whether or not you should have full coverage or liability only on your vehicle, please don’t hesitate to shoot me an email at jarcher@farmersagent.com or give me a call at (973) 394-0212 and I would be happy to answer any of your questions.

Also, I want to point out that if your liability limits are too small and the damage you cause exceeds your limits, the money to pay for the injuries and/or property damage comes out of your pocket! Again, if you are unsure about what your liability limits should be, please don’t hesitate to reach out or you can fill out the contact form below, and I’ll be sure to reach out to you.

 

HOME and AUTO INSURANCE in Morris County NJ

Do you live in Morristown, Madison, Florham Park, Lincoln Park, Kinnelon, Succasunna, Chatham, Boonton, Budd Lake, Butler, Wharton, Rockaway, Morris Plains, Mount Arlington, Mendham, Mountain Lakes, Riverdale, Netcong, Kenvil, Long Valley, Victory Gardens, Chester, Brookside, Cedar Knolls, Convent Station, Denville, East Hanover, Flanders, Gillette, Green Village, Hibernia, Ironia, Lake Hiawatha, Lake Hopatcong, Landing, Ledgewood, Millington, Mine Hill, Montville, Mount Freedom, Mount Tabor, New Vernon, Parsippany, Pequannock, Picatinny Arsenal, Pine Brook, Pompton Plains, Randolph, Schooleys Mountain, Stirling, Towaco, or Whippany?

My name is Jason Archer and I am a local Farmers Insurance agent in your area. My main focus is providing people with better coverage on their home and auto insurance for less. If you want to learn more about my business please visit my website. For an instant auto and home quote please text or call (973) 394 – 0212 or you can fill out your details online at Online Quote Form.

To learn more about our agency and what we do, please watch this brief video below:

Interested in stopping by? Check out the map below. Our office is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07045.

Texting While Driving Increases Your Accident Risk by 23x

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Oh, it’s tempting to respond to a buzz, tweet, chime or ding from our cell phones while driving – but doing so increases your risk of an accident a staggering 23x!

 

Think you can safely text while driving? Think again.

The National Highway & Transportation Administration (NHTSA) reported that texting and driving slows a driver’s judgement and reaction time in the same way that drinking two beers impairs a driver.

In both cases, drivers tend to follow too closely behind other vehicles, are not able to brake on time or have difficulty weaving or merging into traffic.

Consider the facts:

While we all may have put ourselves at greater risk by using our cell phones while driving, Teenagers are at the greatest risk of texting-related accident. Besides being the least experienced group of drivers, they are also among the heaviest users of texting apps. It can simply be too tempting for a Teenager to ignore a buzzing, tweeting, chiming or dinging phone.

With the risks of driving increasing every day as more and more people allow themselves to be distracted while driving, having the right insurance is vital for your protection. We’ll be happy to review your current policy and make sure you have the best possible value in price and protection.

JASON ARCHER

300 Interpace Pkwy, Ste 400B

Parsippany, NJ 07054

(973) 394 – 0212

jarcher@farmersagent.com

https://agents.farmers.com/nj/parsippany/jason-archer

6 Things You Never Want the Quick Lube Guys to do to Your Car

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It’s best and most cost-effective to change your own motor oil and filter, but if you need to stop in at a quick lube-type place, be prepared!  It is frequently the case that while you are waiting in the lobby that the technician informs of you certain situation(s) with your car that you really should take care of now. But keep in mind: It is a situation designed to put pressure on you.

Lots of pressure.

They will tell you that your manufacturer recommends a particular service, and  that you are overdue, right on it, or coming right up on it. These services typically focus on five high-profit, probably-not-needed services that they want you to pay for right now!

  1. Replace your cabin air filters
  2. High mileage oil
  3. Fuel system cleaning
  4. Brake fluid flush
  5. Transmission flush
  6. Transfer case or differential fluid change

Knowledge is power. So let’s take a deeper look at each high-pressure service.

 

  1. Replace Your Cabin Air Filter

Don’t fall for this one. This is one of the most successful car repair scams on the market. It goes like this: The mechanic tells you that your air filter is filthy and shows you a dark, dirty filter. But is that YOUR filter?  Some places keep a dirty filter on hand and try to make you think it’s yours and get your to buy a new one. Always make sure the filter you’re seeing is actually from your car! If you are convinced that it really is your filter, you’ll pay far too much for the filter they are selling you. You can buy filters on Amazon.com and watch a YouTube video to find out how easy they actually are to replace. You’ll save a ton.

  1. Upgrade to “High Mileage” Oil

    Quick lube places almost always recommend a High Mileage motor oil, which is supposed to provide better protection for your engine, and greater profits for the quick lube place. Auto experts say that simply starting with good quality synthetic motor oil will provide superior protection from the start, and that you never will need better oil as you get to higher mileage levels.

Use high-quality synthetic oil from the start. If you are driving a used car that you purchased, start using these same sorts of synthetic oils for maximum protection. You don’t need to pay for “high mileage” motor oil.

  1. Clean the Fuel System Cleaning

    It is true that over time, fuel injectors can get clogged up by deposits and residues in gasoline, and that certainly will have a negative effect on the combustion of the fuel. Yes, fuel systems need to be cleaned and while there are good fuel additives that you can add to a tank, those additives are not sufficient by themselves to keep the fuel system entirely clean.

Cleaning out the fuel system requires a special machine, a specific set of tools and an industrial-grade cleaner. These tools and cleaners are found in high-quality repair shops, but it is unlikely that a quick lube facility will have the specialized equipment necessary to do the job right.

Of course the quick-lube guy will insist that you need to get it done. But even if you really, really do, take it to a pro for a second opinion. Don’t get that work done at the quick lube.

 

  1. Flush the Brake Fluid

    Manufacturers generally do not recommend flushing the brake fluid as regular or semi-regular service. Flushing the brake fluid should be done if an inspection reveals that there is debris and rust in the master cylinder of the braking system – which indicated a broken seal or hydraulic cup.

    A simple inspection of the brake fluid is all that you need. Brake fluid that is clear, sits, at the proper level in its reservoir, and does not smell burnt means you have a healthy braking system. If the color is black or rust-colored, there is a problem – but be aware that a simple flushing will not repair problem. If you encounter dark, rust-colored, or burnt-smelling brake fluid, get your car to a professional mechanic right away. Don’t trust it to the quick-lube guys.

  2. Flush the Transmission Fluid

Read your owner’s manual to see if and when your manufacturer recommends flushing and replacing the transmission fluid and filter. Don’t take the quick-lube guy’s word on the subject.

There is simply too much to say here, so let’s jump right to the bottom line: Read your owner’s manual. But If you have a high mileage vehicle and the quick lube shop has recommended a fluid flush, get a second opinion from a drivetrain expert before proceeding…or you may pay the consequences.

  1. Change the Fluid in the Transfer Case or Differential

    Like the transmission fluid we just discussed, transfer cases are an area you don’t want to touch.

Different manufacturers use different fluids and each fluid is uniquely formulated for the respective transfer case application. There is just too much room for error when it comes to filling the unit with the wrong fluid. Never let a quick lube place touch your transfer case or differential. If you have any questions about either, talk to a drivetrain specialist or a dealership.

 

We’re happy to provide these tips for protecting your car, and your pocket book.

As insurance professionals, we can provide additional protection by making sure you have the proper coverages for your needs. Talk to us today about a quote for your auto(s).

 

JASON ARCHER

300 Interpace Pkwy, Ste 400B

Parsippany, NJ 07054

(973) 394 – 0212

jarcher@farmersagent.com

https://agents.farmers.com/nj/parsippany/jason-archer

New Jersey Teachers $100 Gift Basket Giveaway!

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📝📝 📝📝     ATTENTION TEACHERS     📝📝📝📝

Start the new school year off right by entering into our drawing to WIN a Gift Basket filled with $100 worth of school supplies. Even if you are not a teacher, but you would like to nominate a teacher, you are more than welcome to enter your favorite teacher into our drawing.  There will be 5 WINNERS and they will be announced at 5:00PM on October 20, 2016 on our facebook page: The Archer Group Facebook Page.  Please click, Back to School $100 Gift Basket Giveaway! to be entered into our drawing.

Thanks,

Jason Archer

Owner/Founder of the Archer Group – Farmers Insurance Agency

https://agents.farmers.com/nj/parsippany/jason-archer

Hagerty Car Insurance NJ

classic car social media pic

Did you know Farmers Insurance joined forces with Hagerty, the world’s leading insurance provider for classic vehicles and host to the largest network of classic car owners?  Visit  My Website or call me at 973.394.0212 if you are interested in classic car insurance.  

Hagerty doesn’t just offer classic car insurance, but it also offers insurance for trucks, motorcycles, tractors, military vehicles, automotive tools and spare parts.  There are many perks for getting insurance with Hagerty such as flexible usage. Meaning, there is no restriction on mileage (as long as the vehicle is not a daily driver or backup vehicle), allowance for youthful drivers 18 years of age and above and permissive use by the owner for friends or relatives to drive the vehicle. 

In addition to flexible usage, Hagerty also has in-house classic experts. Meaning, their adjusters receive 80 hours of training in classic vehicle repair every year and have parts
specialists on staff whose only job is tracking down parts. Clients choose the repair shop or get paid to do the work themselves.

Interested in Hagerty Plus? Hagerty Plus is a comprehensive full-service roadside program designed specifically for classic cars and motorcycles. There are three optional levels of Hagerty Plus Roadside Service and Benefits which include:

  • Guaranteed flatbed towing with soft straps
  • 24 hours a day, seven days a week coverage in the U.S. and Canada
  • Dispatch for lockouts, battery jumps, tire changes, and emergency fuel delivery
  • Annual subscription to Hagerty magazine
  • “Ask Hagerty” service for any collector car related questions
  • Membership helps support the Hagerty Education Program and the Historic Vehicle Association

 

Car Insurance NJ

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STOP throwing money away! START saving money today with the Archer Group – Farmers Insurance Agency.

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We recently saved a client living in Sparta, New Jersey close to $2000 on their home and auto insurance. Imagine saving money on car insurance and loving every minute of it.

If you would like to learn more about the coverage and SAVINGS at Farmers please give us a call or shoot us a text at 973 – 394 -0212 or you can visit my website at https://agents.farmers.com/nj/parsippany/jason-archer.

Feel free to fill out this contact form if you would like to get in touch with me, and I’ll get back to you within 24 hours. 

Jason Archer Farmers Insurance Review

chris marques reviewsara marques review

Sara M. lives in Morris County and Christian D. lives in Sussex County, New Jersey. If you are living in northern New Jersey, we have great rates in your area! Give us a call or shoot us a text at 973.394.0212 and we will send you a quote via text message straight to your cell. Fast and easy!  We sell all types of insurance including but not limited to car insurance, home insurance, condo insurance, renters insurance, boat insurance, business insurance, RV insurance, life insurance, and motorcycle insurance.  Check out my website to learn more: https://agents.farmers.com/nj/parsippany/jason-archer. Below you will find a map to my business address:

300 Interpace Pkwy, Ste 400B

Parsippany NJ, 07054

New Jersey Car Insurance Farmers

Getting a quote has never been easier! If you are like most people, you have a Facebook account and you’re an active user. You know as well as I do, that Facebook is not just filled with your friends, but it is also filled with ads! These ads want to take you away from Facebook to their website, to a store, etc. But, you don’t want to leave Facebook.  Well, if you are one of those people who click on ads to save money on auto insurance, YOU NO LONGER HAVE TO LEAVE FACEBOOK TO POTENTIALLY SAVE HUNDREDS!

My name is Jason Archer, and I am an agent with Farmers Insurance working hard to save people money and make their lives easier. If you want a car insurance quote with one of the top auto insurers in the state of New Jersey, all you have to do is visit my Facebook page and fill out a form that takes 3 MINUTES OR LESS! Here is the link: GetAQuoteOnFacebook

The short video above shows how easy and quick it is to get a quote.  If your insurance carrier is raising your rate, do yourself a favor and get a quote. Don’t let them screw you out of your hard earned money!

Why should you get a quote with Farmers?

  • The average person who switches to Farmers SAVES $650.75 or MORE a year
  • Farmers Insurance offers the MOST auto insurance DISCOUNTS
  • FACT: auto insurance rates can change on a daily basis.
  • Farmers insurance is currently offering a 20% DISCOUNT for combining home& auto insurance 
  • Several professional discounts {Click here for more details: DISCOUNTS}
  • If you haven’t shopped for a better rate in the past few years than you are probably paying too much!

Thanks,

Jason Archer

Owner & Founder of the Archer Group – Farmers Insurance Agency

(973) 394 – 0212

My Website 

Top 5 Home Insurance Claims& How to Prevent Them

Everyone has such busy lives these days whether it be rushing to get to work, dropping the kids off at school, taking Andrew to soccer practice or Valerie to her tap dance class or doing a million other things.

Being so busy is a good thing, but it can also be a bad thing. When you are so caught up in the demands and responsibilities of your daily life, it is easy to lose sight of your most precious investment…your home. Just like your kids and work demand attention, so does your home. It needs your help to keep it safe and to protect it from harm. The best way to keep your home protected is to know what the top five claims are and how to prevent them.

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Top 5 Claims:

#1.  Non-Weather Related Water Damage – Sewer Back-Up Claim

#2.  Identity Theft Claim

#3.  Wind& Hail Claim

#4.  Fire Claim

#5.  Weather Related Water Damage Claim

  1. Non-Weather Related Water Damage Claim

Non-weather related water damage otherwise known as interior water damage is 1 of the top 3 reported causes of house damage. Interior water damage is caused by a sudden and accidental discharge from a plumbing system, sump pump, a drainage system or from water below the surface of the ground. Most insurance companies cover you for interior water damage, but not all types of water damage are covered. For example, water back-up from an outside sewer or drain is not typically covered. However, it is a very common claim.

How do you prevent it?

Fortunately, there is an endorsement known as Sewer and Drain Water Damage Coverage which will cover you for back-up and sump-pump failure losses. Be sure you get a good amount of coverage for this, because $5,000 is not going to do much if it costs you closer to $45,000 to repair the water damage. For example, if there is water damage done to your beautiful, new renovated kitchen, you’re going to need around $50,000 worth of coverage to repair the marble flooring, backsplash tiling, oak cabinetry, and granite countertop.

Moreover, with water damage comes mold. Mold is a byproduct of water damage. Luckily, some home insurance companies like Farmers offer Limited Mold Coverage which will provide coverage to covered property caused by or resulting from mold. Mold can quickly devalue your home by discoloring the walls and rotting away the wood, so it is a good idea to get coverage for this.

  1. Identity Theft Claim

You may be asking yourself, what does identity theft have to do with homeowners insurance? Well, did you know that if your identity is stolen and someone gets a hold of your credit cards, bank account information, or travel documents that you can file a claim with your homeowner’s insurance company?

Believe it or not, identity theft is an optional endorsement you can add to your homeowner’s policy.  This endorsement provides reimbursement for expenses related to the restoration of your identity which include but are not limited to an advocate assisting you with services such as calls to financial companies and governmental agencies to resolve the loss event.

So, why do you need protection against identity theft? According to Javelin Strategy& Research, Identity Fraud Study, “there were 13.1 million identity fraud victims in 2015 and $15 billion was stolen?”  These days with all the technological advances, it is getting that much easier for thieves to commit identity fraud. For example, did you know that someone can get your pin code by simply hovering their iPhone thermal camera over the keypad after you finish plugging in your code?

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How do you prevent Identity Theft?

You can take the necessary precautions like creating stronger passwords and shredding credit card statements. Moreover, you could add on an Identity Management Services Endorsement to your homeowner’s policy.

  1. Wind& Hail Claim

Quick fact, did you know the largest hailstone in the U.S. landed in 2010 and measured 8 inches in diameter which is roughly the size of a basketball?

wind and hail basketball

Wind and hail damage done to roofs is one of the most common home filed claims. When it comes to wind& hail, it is imperative that you understand what a wind& hail deducible is. Some companies have a separate wind and hail deductible which could be as high as 5%. Most people think that with a 5% deductible, they have to pay 5% of the damages. But in reality you have to pay 5% of your dwelling coverage. For example, if your dwelling coverage is $200,000, you have to pay $10,000.

How do you prevent paying a 5% of your dwelling coverage for wind& hail damage?

You should have an all perils deductible which is a certain dollar amount beyond which insurance protection begins for the specific event causing a loss. Some companies have a minimum all perils deductible for $1000.

  1. Fire Claim

When it comes to fire damage, if you want to keep your house safe and get a fire claim approved, don’t make these three mistakes 1. Not having a properly working fire detector 2. Smoking in the house 3. Neglecting to tell your insurance company about recent home improvements. If you make any one of these mistakes, you risk the chance of having your fire claim denied.

How do you prevent getting denied when filing a fire claim?

First, make you’re your smoke alarms are working properly. Two, avoid smoking in the house. Three, if you make any changes to the home like increasing the value of it by putting in newer and better appliances let your insurance company know about it, so they won’t screw you when you file a claim. Most importantly, don’t take the responsibility on yourself to repair the damages even it’s as small as replacing the oven because your dog wanted a slice of pizza.

hot dog

  1. Weather Related Water Damage Claim

Have you heard the saying New Jersey is the new Florida? Thanks to storms like Superstorm Sandy and Hurricane Joaquin, New Jersey is no longer safe from weather related water damage. It used to be that if you were 5 miles off the coast you were a risk to insurance companies, but now living further inland like Trenton can be a risk as well. These days a flood insurance policy is a must, but yet surprisingly 87% of homeowners don’t have a flood insurance policy. A #1 misconception people have is: you don’t need flood insurance unless you live in a flood prone area. This is so not true. Heavy rainfall and tropical storms can cause serious damage even if you live at one of the highest altitude spots in New Jersey. One other common misconception people have is: Homeowners insurance covers flood damage. Also, not true. Most homeowner’s policies may cover some types of water damage, but flood damage is not usually covered.

How to prevent it?

One of the best things you can do that will help protect your whole house is having a good stable roof. You can either put on a new roof or renovate the one you have. Not only will a new roof help protect your house, but many insurance companies offer discounts for having a new roof.  There are many local roofing contractors available for you. Moreover, consider purchasing a flood insurance policy. Give me a call if you need help choosing a local roofing contractor or picking out a good flood insurance policy.


By,

The Archer Group – Farmers Insurance Agency

If you have any questions or concerns about common Home Insurance Claims or anything talked about in this article please give Jason Archer a call or shoot him a text at 973-394-0212. He is the principal owner at the Archer Group and has over 10 years of experience in the insurance industry. Feel free to give him a call or schedule an appointment via email (jarcher@farmersagent.com), and he will conduct a full insurance  review of your policy and give you his unbiased opinion. If you prefer to meet him at his office, it is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07054. Please see map below: