What Do I Do When the Check Engine Light Comes On

You detest it, but those check engine lights are a part of the driving experience, so it’s important we know what they are, and what they mean.

If you’ve been on the road for some time, you’ve likely come across the pesky check engine light at least once (and a few times if you’ve been rather unlucky). But what are you supposed to do when it turns on? Should you stop the car immediately? Do you need a tow truck? Here are the answers to those questions that may end up saving you from paying for further damage when your check engine light comes on.

The Three Stages of the Check Engine Light

  1. Off – This is the stage on which we hope the light stays. This means that your car is operating within normal standards.
  2. On – This means that our car has a problem and we have to get it checked as soon as possible. While it’s not necessary to pull over immediately, you can likely drive it to your mechanic. However, you are risking that the problem will worsen.
  3. Blinking – When your check engine light is blinking, it means that you have an engine misfire and should take it to your mechanic immediately. Driving when you have a blinking light could mean some serious damage that will cost you to reach deeper into your pocket to find the funds.

Can You Fix It Yourself?
It’s possible that you can fix this issue yourself by purchasing your very own OBD II scanner. It connects to your car’s computer and is able to tell you what is causing this issue. If you know you can tackle the fixes necessary, doing it yourself will definitely save you money; it’s important, however, not to get in over your head when it comes to car repairs.

For all of your auto insurance needs in California, be sure to contact Stromsoe Insurance Agency. We are more than happy to help you get the coverage you deserve!

When to Repair or Replace a Damaged Windshield

A cracked windshield is never any fun, but when are you supposed to repair or replace it?

No matter where you live, your windshield is likely to be on the receiving end of some unwanted wear and tear. There could be a tiny pebble that was knocked out of a construction truck, hail from the turbulent sky above, or a tree branch that is destined to fall right when your car passes by. Whatever the damage, these all have been caused by non-collision related incidents. But are you supposed to repair or replace your windshield?

Large and Small Repairs

The good news is that smaller chips and cracks can be easily repaired for under $100 (on average). A good way of knowing if your chip or crack can be repaired is by using the dollar bill method. This involves taking a dollar bill and covering the chip, if the dollar bill can cover the area of the crack, then a repair is the likeliest next step. The repair process works by injecting a special resin in the cracked area.

If the chip, however, is directly in the line of sight of the driver, or the windshield has any cracks near its edges, a repair should be considered.

If your windshield can be repaired, it’s best to do it as soon as possible. If you’ve ever chipped your phone’s screen, you know that a chip will continue to grow until it runs out of glass. Your windshield is no different, only if it grows out of the dollar bill’s range, it could cost you more money to fix.

An auto insurance policy with comprehensive coverage will cover damages caused by non-collision related accidents. For all of your auto insurance needs in California, be sure to contact Stromsoe Insurance Agency. We are more than happy to help you get the coverage you deserve!

September 2016 Issue of The Protection Coach

The September 2016 update of Mike Stromsoe’s The Protection Coach® hits the news stands in just a couple of days.  This issue is jam-packed with all the latest news and tips for clients and friends of Stromsoe Insurance Agency.

The Protection Coach® – September 2016 (Click here to download)

Inside this edition..

  • Going on 73 Years and Still Climbing
  • Why Every Policyholder Needs Umbrella Insurance
  • Dealing With Children Who Have Learning Disabilities
  • Financial Tips for Your 30’s
  • Have you downloaded the Stromsoe Insurance Mobile App?

News & Tips For Clients and Friends of Stromsoe Insurance Agency

Thanks for visiting the newsletter portion of our website. Please…click on any of the icons below to view a newsletter on that topic. And don’t forget to check the “links above newsletters” for more juicy tidbits to make your life and business better! Please check back with us often.

Mike Stromsoe’s The Protection Coach ®

Stromsoe Insurance Agency strives to provide you, our clients and friends, with the latest news and tips available. Click on any of the links below to view our newsletters. As YOUR Total Protection Team, we want you to know that we are here to give you the right answers to your questions. Give us a CALL – IT’S FREE 877-994-6787 and JUST ASK!

Here are just a few of the Charities YOU Helped Support over the years…

Here are just a few of the Charities YOU Helped Support over the years…

American Cancer Association

American Cancer Society

American Heart Association

American Red Cross

Angel Food Ministry

Animal Friends of the Valley

Assistance League of Temecula Valley

Aquatic Adventure.org

Boys & Girls Club

Breast Cancer Society

Burn Institue of San Diego

Cervical Cancer

C.H.O.C.

Christ the King Church

Critter Crossings

Colin Cancer Foundation

Casa de Amparo

Canine Companion

Disabled American Veterans

Divorce Care Group

Dorland Mountains Arts Colony

Elizabeth Hospice

Fallbrook Food Pantry

Fallbrook Historical Society

Fallbrook Pregnancy Center

Fallbrook Animal Sanctuary

Fallbrook Village Association

Fallbrook Land Conservancy

Far Reaching Ministry

Focus on the Family

Green Peace

Habitat for Humanity

HappyInEthiopia.com

Hugs for Foster Family

ICA – 4aChild.com

L.E.A.F.

Leukemia Foundation

Make a Wish

MADD

March of Dimes

Michelle’s Place – Murrieta

Murrieta Rotary

National Humane Society

Nat’l Foundation for Abused & Neglected Children

New Haven’s Boys School

New Beginnings Church

Rady’s Children

Rancho Domicitas Home for Abused Children

Red Cross

Reliance Church – Temecula

Rocky Mountain MS Center

Ronald McDonald House

Samaritans Purse

Safe Nest

Salvation Army

San Diego Childrens Hospital

San Diego Rescue Mission

Sidlines Nat’l Support Network

St. Vincent de Paul

St. Jude’s Childrens Hospital

St. Jude’s – Marlo Thomas

St. Peters Church

Susan G. Komen

TeamInTraning.org

Temecula Valley Blood Bank

United Way

Wishes for Children

& many more…

Do I Need Life Insurance After Retirement?

Do you need life insurance even after you retire? You may not think so, but here are a few examples of when life insurance may come in handy in your post-workforce years.

Life insurance is meant to financially cover your family in the event of your death. After people retire, most of their family members have already started families of their own and no longer rely on their parents’ income for sustainability. This is a sign to many that life insurance is something they no longer have to pay for. But is that true? Here are ways that life insurance could still come in handy–even after you retire.

Funeral Costs

It’s very expensive to die in this country. While you may not be here to suffer through the funeral process, your family member will. Funeral costs are through the roof, and your life insurance policy can cover this expense and keep your family from reaching deep into their pockets.

Your Remaining Debt

If you still have remaining debt upon your death, it may not disappear, especially if this debt comes from the bank. Your life insurance could help pay off the remaining loans, or even pay them off entirely if your coverage is sufficient.

Special Needs Children

While it is often the case that children depend on their parents until they’ve graduated college, there are situations where your children may depend their entire lives on your aid. Children with special needs will need to get the right coverage.

Life insurance often goes to those that work and have families in their early stage. But that’s not the case for everyone, and may not be the case for you. For that kind of knowledge and service, contact Stromsoe Insurance Agency. We’re dedicated to helping families across California get the life insurance policies they deserve!

Health Insurance FAQ

The best way to learn about any subject, including health insurance, is by asking the right questions.

You often hear the masters of apprentices say the words, “You must ask the right question,” in order for them to get any form of appropriate response from the master. When it comes to your insurance, it may literally pay to ask the right question. Having the proper knowledge in certain areas may help you save money. Here are the questions to ask about health insurance that will help you get a better understanding of it.

Q: Why do I need health insurance?
A: Medical treatment is expensive. The cost to treat a broken leg can cost an average of $7,500 and a 3-day hospital stay can set you back an astounding $30,000. You also need health insurance because it’s required by law.

Q: What’s the difference between a deductible, copay, and coinsurance?

A: A DEDUCTIBLE is the initial amount you pay before your insurance company starts.  A COPAYMENT is a fixed amount you pay toward each medical service, such as $25 for a checkup. COINSURNACE is a fixed percentage, rather than a flat amount you pay for each service.

Q: Do I really have to buy health insurance?
A: The Affordable Care Act requires every American, with a few exceptions, to have health insurance that offers “minimum essential coverage.” This is called the individual mandate and is a sacrifice we all have to make for a better social order.

Don’t leave any stone unturned when it comes to something as important as your health. Do you have the correct health insurance plan for your current or future needs? Contact Stromsoe Insurance Agency for a tailored policy to suit you in California.