How To Identify Odometer Fraud

Written by on 5/26/2014 5:32 PM . It has 0 Comments.

How sure can you be that the odometer mileage shown on that car you're thinking of buying is an accurate record of how far the vehicle has actually traveled?  The shocking truth is that one in ten autos on our roads today have been "clocked" – had their odometer rolled back. That means almost half a million cars are sold with false mileage readings every year. The crime is such a worry that the Department of Transportation actually has a special department to deal with it – the Office of Odometer Fraud Investigation. The law is blunt and simple on this issue: It's illegal to disconnect, alter, or reset an odometer with the intention of changing the mileage. If an owner is aware that their mileage is incorrect, they must say so in writing when they transfer title (except if the auto is more than 10 years old). So, what can you do to check if the number is accurate on a vehicle you're considering purchasing? Here are five key actions: Compare the figure in the car's title transfer doc ...

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Funny Quotes to Celebrate Mom

Written by on 5/10/2014 5:55 PM . It has 0 Comments.

In honor of Mother’s Day, here are a few funny, uplifting quotes to make you smile.  All you moms out there can probably relate to most of these! “The quickest way for a mother to get her children’s attention is to sit down and look comfortable.” “Mothers of teenagers know why animals eat their young!” “A mother is a person who, seeing there are only four slices of chocolate cake for five people, promptly announces that she never really did care for chocolate cake.” “Children are a great comfort in your old age - and they help you reach it faster, too!” “Moms: not all superheroes wear capes.” “I love cleaning up messes I didn’t I decided to become a mom!” “When my kids grow up, I’m going to their house to break all of their stuff, eat all their food, make a mess, say I’m bored, then just leave without saying goodbye.” “Mothers are basi ...

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What The Remodeling Process Means To Your Insurance

Written by on 4/30/2014 6:15 PM . It has 0 Comments.

If you plan to remodel your home, make sure that the house, the contractor and the subcontractors have adequate insurance coverage. Don't make the mistake of waiting until an addition or extra room is completed to increase the insurance coverage on the structure of your home. If the new addition is destroyed or damaged before insurance coverage has been increased, you may be responsible for the cost of repairing or rebuilding the addition. Be sure to contact our office before, or shortly after, construction begins in order to increase the insurance coverage on your house to an amount that reflects the higher value of the rebuilt structure. When hiring a general contractor, find out if the contractor has workers compensation and ask to see a copy of the policy. Workers compensation pays for medical and rehabilitation expenses and covers lost wages if the workers sustain injuries on the job. Injured workers may sue you if the contractor does not have proper insurance. In most home improvement projects, the ...

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How to Escape a Tire Blowout Safely

Written by on 4/21/2014 2:14 AM . It has 0 Comments.

Tire blowouts are bad news for every driver, but did you know they're also a factor in 23,000 road accidents every year, including more than 500 fatalities? Actually, it's not so much the blowout as what the driver does immediately afterwards that causes most of these accidents. For instance, slamming on the brakes and trying to steer to the edge of the highway is, in most cases, one of the worst things you could do because you're raising the risk of losing traction - especially dangerous if the road surface is wet. Instead, the National Safety Council (NSC) says you should grip the steering wheel tightly, take your foot off the gas to let the car slow gradually, and then try to move into the breakdown lane, signaling as appropriate. When you're totally off the pavement, brake slightly until you stop. 

"It's important to have the car well off the pavement and away from traffic before stopping," says NSC, "even if proceeding to a place of safety means rolling along slowly with the bad tire flapping.  ...

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Do You Need Umbrella Insurance?

Written by on 3/4/2014 4:20 PM . It has 0 Comments.

It’s an unfortunate fact that accidents happen — and it’s not uncommon for jury awards and out-of court settlements to run into the millions. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection? Fortunately, there's an easy and affordable way to ensure you have the protection you need should an unexpected accident occur. For example, what if: Your teenager runs a stop sign, causing a serious accident? A deliveryman falls on your sidewalk and is seriously injured? A babysitter is injured by your otherwise friendly dog? If you are found to be legally responsible for injuring someone or damaging their property, without a personal umbrella liability insurance policy, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket. Standard liability insurance generally includes homeowners, rente ...

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What’s Smart, Inexpensive and Essential If You’re A Renter?

Written by on 2/25/2014 12:39 AM . It has 0 Comments.

If you're currently renting a property, renters insurance is a smart, inexpensive and essential coverage for you to consider adding to your insurance program. For example, if a fire were to sadly burn down the place you are renting, how would you replace all of your belongings? The #1 mistake that renters make in this situation is believing that their personal property is covered by their landlord’s policy.  In reality, your belongings are your responsibility to protect, so a fire could be very costly for those without renters coverage. Here's why renters insurance is a good solution if you’re currently renting a town home, apartment or house: Renters insurance is a great value - with an annual cost of only $150 to $350, depending on the coverage amount. Renters policies protect against property-damage claims, too.  Let’s say you’re out on the golf course and shank a drive that breaks a house window. Your renters insurance policy would cover you! Renters I ...

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Don't Be A Victim - Or The Cause - Of Road Rage

Written by on 12/11/2013 2:17 AM . It has 0 Comments.

Aggressive drivers – drivers who tailgate, cut others off, run red lights, honk their horns, yell or make obscene gestures – are a danger to themselves and others. If you are an aggressive driver, or the victim of one, your safety and that of your passengers and other people on the road is seriously compromised. Stress from life situations, such as problems at work, the loss of a job, a divorce, or the death of a loved one can trigger road rage, even in a person who normally practices safe driving habits. Aggressive driving can affect anyone. Even drivers who are usually calm can get angry or frustrated and act out those feelings in dangerous ways. In addition, poor traffic conditions such as crowded roads and traffic jams can be the ‘last straw’ for a driver who is already stressed or upset. Here are a few tips to protect yourself and others from the hazards of aggressive driving: Don’t drive when angry – Take time to cool off: take a walk, learn relaxation tec ...

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Is Your Dog On The "No-Fly" List?

Written by on 10/9/2013 3:22 AM . It has 0 Comments.

Is your dog on the "no-fly" list? With $479,000,000 paid out last year by the insurance industry for dog-bite claims, the breed of dog you own is coming under serious scrutiny when it comes to your insurance. This is especially true when you apply for new homeowners or renters insurance. This isn't to say that every dog that is a particular breed will bite someone, but from the perspective of the insurance company, the odds aren't worth it. The average claim paid is close to $30,000. (And can be much higher if children suffer facial injuries). Pay attention to the application--there is often a specific question as to the dog you own--its breed and weight. Don't fudge the answer, as a material misrepresentation could mean that the insurance company denies coverage for a claim when you need it the most! The breeds topping the "no-fly" list that could get your coverage declined are: Pit Bull/Stafford Terrier Doberman Rottweiler German Shepherd Chows Great Dane Akita ...

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Understanding Insurance: If Someone Hits You, Who Reports The Claim?

Written by on 8/28/2013 7:40 AM . It has 0 Comments.

If someone hits you, and it's pretty clear that person is at fault, is it their responsibility to report the claim, or should you report the claim? According to your auto policy, it's your duty to report all claims to your insurance company, regardless of fault. People often think that they're not required to report a claim to their own insurance company if they're not at fault for the claim. However, this is incorrect. When you purchase an auto insurance policy, make sure you read the section addressing your duties in a claim to understand what circumstances call for you to report a claim. So, if you're involved in an accident, each person should report the claim to his or her own insurance company. If the accident isn't your fault and another company is willing to cover your damage, you can choose to use that company instead of your own, and it should be fairly easy for your own company to close your claim. What many people don't know is this: You can report a claim to another person's insurance company. ...

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Insurance Tips For The College-Bound

Written by on 8/13/2013 3:33 AM . It has 0 Comments.

College is expensive enough without finding out too late that an accident or theft isn’t covered under your current policies. So, as you get your children ready to head off to school in the next few weeks, we highly recommend that you take some time to review your insurance coverage. It's important to keep in mind that policy language varies by company, but below is a general guide. If you have questions, or want to go over your insurance needs, don’t hesitate to contact us! HOMEOWNERS Coverage of personal property: Most homeowners policies provide 10 percent of Coverage C (Personal Property) for property owned by an insured that is at a residence other than the insured’s.  For example, if the contents of a your home are insured for $100,000, a student’s property, up to $10,000, would be covered if living in a dormitory – provided the damage is caused by a covered peril and the student meets the definition of an insured. For apartments or houses off-campus, the ...

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