From the category archives: Insurance Protection Blog

Personal things shared with your friends

CONE! Road Crews are Back on our Rural Roads and Nation’s Highways.

post image Ahhhh Spring! Finally, the snow and salt are gone, the car has been washed and waxed and after weeks of Netflix marathons, you are ready to head out to the open road.  You cannot wait to push the accelerator, tune into your favorite songs and feel the wind in your hair. Watch out! Beware the big orange cone! Spring means many things, the robins return, the ice cream shops re-open and road crews are blocking lanes. It is a necessary evil. Winter can be brutal with potholes popping up, corrosion of overpasses and bridges, and erosion in safety lanes. The roadways need to be fixed for your safety and mine and many road crews put their lives in your hands when they step out onto the asphalt. But on a recent trip, I happened to notice that many drivers are ignoring or forgetting some of the rules, regulations, laws and common sense learning that coincides with “sharing the road.” So, a quick refresher on road safety inside and outside of work zones: *THE PROBLEM OF POT HOLES: Just a few inc ...
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Proof Positive that The Industry is Working in Clients Favor. 

post image Sometimes it seems like the insurance industry receives an inordinate amount of negative press. Tales of excruciatingly lengthy procedures and consumer unhappiness are often found in the headlines, while the stories of client satisfaction, industry compassion and professionals working in favor of their customers’ best interest are often buried or non-existent. So, when the annual J. D. Power U.S. Property Claims Satisfaction Study, was released on March 1st, I felt a great sense of pride for my chosen field and the entire industry. After a 10 year rise in catastrophic events in the United States, over-all customer satisfaction rate in homeowner claims has hit an all-time high. Greg Hoeg, Vice President of U.S. insurance operations at J.D. Power was delighted to report that, “Following the significant declines in customer satisfaction found in the 2016 study, property and casualty insurers have redoubled their efforts to improve the settlement process and fine-tune their customer intera ...
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Your Toothbrush Is Watching You….

post image It resembles a scene that you would watch as a kid on “Leave it to Beaver”. Young boy enters bathroom and picks up his toothbrush to clean his teeth. Suddenly his mother emerges from the kitchen and chastises him, “I know that you only brushed for 1 minute. You need to brush for 2 minutes every time.” He wonders if his mother has eyes in the back of her head, but what he doesn’t realize is that his toothbrush is equipped with Telematics. It is not just his mother that is watching him. The Telematics that is used in the toothbrush is the technology of “sending, receiving and storing information via telecommunication devices in conjunction with effecting control on remote objects.”  It is sort of a modern day, “Big Brother is Watching You” from the novel “1984.”  Installing small computer chips in objects to send information back to a company to gauge usage.   Cars have been equipped with this technology for years (conside ...
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New Year, Fresh Start, Clean Slate

post image   5 Insurance -  Related New Year’s Resolutions for a Healthier Life and a More Organized World   Number 1. What’s Inside the House Counts, Too. Fires happen. Houses burn to the ground. Homeowners purchase insurance because with every dwelling, there is a possibility of this occurring. Advice from an insurance professional, take a home inventory. A house fire is one of the most stressful experiences a homeowner can deal with. There are instances when every single item you own, is gone.  I cannot tell you how many times I have had to sit down with heartbroken, confused and traumatized clients who have no idea what is contained on the inside of their home, or what the value is of those items. They are at a loss. In case of a disaster, (be it fire/flood or theft) the insurance policy claims will go so much more smoothly if an itemized household inventory is available. There are tools to help you with this: “Know Your Stuff” Free Home Inventory App from th ...
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55 miles per hour, a chunk of steel 60 feet ahead in the roadway

post image We have all encountered it. A beautiful sunny afternoon, cruising down the highway at 55mph, window open, radio on and suddenly … a 10 foot piece of scrap metal is looming in front of you, directly in your path, right in the center of your travel lane. Do you swerve to avoid it, cutting off the  car that is in the next lane? Do you slam on your brakes and pray that the tractor trailer on your tail does not rear end you? Do you just hit it and pray that I does not destroy your undercarriage or become airborne and smash through a windshield. AAA has recently released the following statistics concerning roadway litter: *Since 2001, roadway accidents involving debris have escalated by 40%. *Every year over 50,000 crashes are due to cars avoiding roadway litter. *125 people die a year, more than 500 deaths between 2011 and 2014 *0ver 39,000 injuries  are the direct result of refuse in the roadway. Why the upswing? Multiple Reasons: 1. The Closing of Eisenhower Interstate Highway Sys ...
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Even Pokemon Go has Insurance Implications and Safety Issues :)

post image My office is located on the corner of one of the busiest intersections in Warwick. South Street and Main. The windows overlook the streets and we have a bird’s eye view of the all the crazy happenings that occur on a daily basis. Jaywalking, parking tickets, the occasional street argument and road rage. During the summer, when school is out, Warwick becomes particularly quiet and sleepy. It is as if the entire town packs up and leaves for sunnier destinations… Except something strange has occurred in the last three weeks to change this quiet little country town into the land of Pikachu seeking Zombies …. The "Pokemon Go" phenomenon. Now honestly I do believe that anything that makes teenagers and sedentary children rise from the couch, leave the house and walk is a great idea. And Nintendo has done an outstanding job with Pokemon Go, forcing kids to earn points and capture creatures by simply moving.  But I have also seen some really dangerous safety issues when people are playing, ...
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But He Just Entered Kindergarten! Insurance Tips for Students Leaving For College

post image I am sure that you feel like I am rushing things. I understand that your child has barely taken off his cap and gown and the high school diploma has not been framed and hung in the family room yet; but it is the second week of July and time is moving forward.  In less than six weeks, he will be heading off to college lugging pillows and comforters, stockpiles of shampoo and Axe Spray. Making checklists and searching the aisles of Walmart and Target for printer paper, bathroom cleaner and posters to decorate the dorm walls. You might think you have everything completed the day you leave the driveway and head towards the next four years of your child’s life. But you may be forgetting something.  What about insurance? Most people do not consider the insurance ramifications of sending a child off to live away from home. But it is a life-altering event and insurance plays a part in making sure that he is protected and secure when he is out of your sight. There are two specific insurance p ...
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The difference between dry possessions and a soaked home is simply a couple of inches.

post image June 1st is less than 20 days away …. a little over two weeks. To many people, June is a month filled with flowers, weddings and graduations. Open the pool, spark up the grill, count the days until vacation, these are all good things.The downside of June is that it is also the beginning of the Atlantic Hurricane Season, which extends from June 1st through November 30th. It has been a few years since Sandy and Irene; and more than a decade since Hurricane Katrina. Over time, people tend to quickly forget and move on from these events. Life becomes business as usual and the memory of the catastrophe seems to soften. So I am imploring you to consider talking to your insurance agency about the importance of Flood Insurance; now, this minute, immediately. I have personally witnessed the devastation that can occur to families that have had to deal with flash floods, clogged municipal sewer systems, and 14 days of driving endless rain. The horror of watching the water creeping slowly towards the house and t ...
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660,000 U.S. Drivers are behind the wheel, using their cell phones, at this moment

post image Stand on the sidewalk of any high traffic, high volume street corner in “Any Town, USA” and observe for one hour. ·      How many people drive by, looking down at their laps? ·      How many drivers have their cell phones to their ears? ·      Who has one hand on the wheel because they are applying lipstick, sipping coffee, examining wrinkles, reading a map, or Google searching a great local restaurant? Eye opening isn’t it? I think is is shocking and scary. As a father of two teenagers, I am astounded that almost ½ of the people I notice driving, do not have their eyes on the road. I don’t know a single community that hasn’t experienced the devastation of a student or individual being seriously hurt in an auto accident, where the determining factor was somehow related to inattentive driving. Too many people are ending up in emergency rooms, hospital beds and ...
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Protecting your child from a bully, just got a little bit easier

post image It is unfortunate, but many parents will find themselves in this situation sometime in their child’s lives. Your tear-filled daughter will approach you one evening, usually clutching her smart phone or laptop.  She will tremble as she shows you the horrifically mean, totally out of bounds, unbelievably nasty posts about her that are sailing across social media. Maybe someone created a Facebook group to bash her. Maybe they posted a video telling her to harm herself.  Maybe a “not so flattering” photo of her was making the rounds between the student body of her school. Cyber-Bulling can take many forms. As a parent you are responsible to protect your child, but cyber-bullying is an entirely new frontier.  There is no end to what “Cyber-Bullying” can do to a child’s reputation, their self-image and worth. And removing the damaging information is difficult … it takes on a life of it’s own, it grows and permeates all aspects of your life, 24 x7&rd ...
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