Archive for the ‘safe’ Tag

Pokémon GO Is a No Go While Driving   Leave a comment

Pokémon GO is a fun new app that is taking people’s phones by storm. The app has not been out very long, but the number of average daily users is close to that of Twitter. This app has even caused some big changes in the stock market, causing Nintendo’s overall worth to grow almost 8 billion in just a week’s time.  All of this excitement about the game has helped to give people even more of a reason to go “catch em all.”

Go logo

Many people have already started their journey to become a Pokémon master. This adventure begins with users wandering the real world with their phone in hand to hunt down all the Pokémon they can find. As a result, many users have been paying more attention to their phone than their surroundings. This of course has resulted in some Pokémon masters getting injured with scrapes, cuts, and even sprained ankles. Some players are even falling into creeks and holes. It may make you wonder, “How long until someone really gets hurt?”  The answer to that question is soon.

Recent reports and tweets suggest that a number of users have been playing Pokémon GO on the go. Driving and playing Pokémon GO is very dangerous. The Tennessee Highway Safety Office (along with many others) has already made a Public Service Announcement:

PSA

Along with this there are already reports of accidents occurring due to one or more drivers being on the hunt for Pokémon while they should be looking at the road. Texas A&M Police recently reported an incident where a driver got into an accident, because another driver illegally parked and left the car to catch a Pokémon.

Police tweet 2

Even though Pokémon GO may be a childhood dream come true for many, we all need to put down our phones and pay attention to the road while driving. Save a life and your Poké Balls until you are safely stopped and out of your car.

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Some Wintery Insurance Tips   Leave a comment

Sammy Bo

Sammy Bo loves the snow!

Long time no post!  This El Nino winter has been a strange one here in Pittsburgh.  The on-again off-again wintery weather has kept us busy.    The Insurance Dogger loves the snow, so this winter has been an emotional roller coaster to be sure!

A month into winter and we’ve received an unusual array of claims for this time of year – of course we are seeing the normal frozen pipes, chipped windshields (salt wreaks havoc on your glass!), and sliding on ice.  But we are also seeing some unusual-for-winter claims as well – in particular, sewage backing up in basements, which is far more common in spring & early summer.  The heavy snowfall, followed by rapidly rising temps and even occasional rain showers has simply been too much for many sewage systems to handle.

All of this has gotten us to thinking, in light of some of the conversations we’ve had to have with clients, it’s time to do a brief update & post on choosing your insurance coverage – both home and auto. 

I can’t tell you how many times a client has told us they want to insure their cars or home “as cheaply as possible.”  Though this is a thought process we work very hard to counter, it’s not always feasible to adjust this mindset.  When you’ve had a claim is NOT when you want to find out that if you spent a couple extra dollars per month, you would have saved yourself a lot of heartache.

Once you’ve had a claim, you cannot backdate a change to your policy to provide you with the coverage you need – even if you offer to pay for the additional premium.

Here are a few coverage options to consider having on your policy to avoid stress & financial difficulty:

Auto Insurance

Comprehensive physical damage – do not confusion this with collision coverage, or “full” coverage.  As explained previously here on the Dog Blog, comprehensive coverage (in Pennsylvania) protects against things like glass damage, hail damage, fire, theft, flooding, or hitting a deer.  Even if you remove Collision coverage from your vehicle, we always recommend retaining Comprehensive on your policy, as it is a cheap way to provide protection against a number of different claims.

Rental Reimbursement & Towing and Labor – Again, previously explained on the Dog Blog, these two extremely inexpensive coverages will save you A LOT of stress in the event of a covered claim.  Towing & Labor, which provides similar benefits as AAA membership for a fraction of the cost, is a particularly useful during the winter months. It provides everything from jumping a dead battery to pulling your car out of a ditch after sliding on black ice.  Rental reimbursement pays you back for the use of a rental car (with policy-specific limits – ask your agent) in the event that a covered claim puts your car in the shop for an extended period of time.

Increased Property Damage liability limit – Did you slide on slushy roads and rear-end that brand new Mercedes driving in front of you?  We recommend all clients carry AT LEAST $50,000 of Property Damage liability coverage, if not $100,000 or more.  Sleep peacefully knowing that you have the protection you need if you damage an expensive car (or cars!) or home.

Homeowners/Renters Insurance

Sewer & Drain back up – Put simply, S&D B/U (as I call it) protects you in the event that sewage backs up through your floor drains or water overflows from your sump pump.  The coverage is available on both owners and renters policies.  Though this is more common in spring & summer – add it now to ensure A) you don’t get any nasty surprises during this unusual weather season and B) you don’t forget to add it before the spring rains start.

Preventing pipes from freezing – though not a specific coverage, preventing your pipes from freezing in winter is crucial to preventing an unforeseen catastrophe – especially if your power goes out!  Some useful links with more in depth information were provided last winter, but there are several easy things you can do to prevent your pipes from freezing during cold snaps.  If you know you are not going to be home for 24 hours or more, ALWAYS shut your water off at the main.  This prevents water from flowing continuously from a burst pipe.  If you have pipes closed up within a cabinet (like your kitchen sink), open the cabinet from time to time to warm things up – and leave the doors open during especially cold times (when temps drop below zero Fahrenheit).  If your power goes out during a storm or a cold snap, turn all faucets on exterior walls on to a slight drip to ensure the pipes don’t freeze.

Identity Theft – OK OK, identity theft has nothing to do with winter weather, but especially during the Christmas shopping season, it bears repeating that the $20-30 per year that you spend on identity theft is money extremely well spent.  In 2014 alone, nearly 10% of all Americans were a victim of identity theft.  If that’s not enough to motivate you, consider that nearly 15% of identity theft victims suffered a direct financial loss of at least $1,000.  At $20 per year, it would take 50 years to make up the difference with premium savings to cover a $1,000 loss!

To summarize – a few simple and inexpensive steps now can prevent a great deal of stress down the road!  Contact your agent to discuss any questions or concerns you might have.

Slow down and drive carefully!

Always drive slowly and carefully when the snow is flying!

A review of business coverages – Part 2   Leave a comment

Workers Compensation

Injured at work? Work Comp is what you need!

Good afternoon one and all!  Today I’m going to give you a brief break down of one of the more straight-forward coverages for your business – Workers Compensation.  To put it simply, Workers Compensation is in place to pay for expenses due to a work related injury, illness, or death.  In addition, it will also replace any income lost if an employee is not able to work due to any of those three things.

Virtually every employer (and employee thereof) is required to partake in Workers Compensation in the state of Pennsylvania (I won’t be covering any information for any other states).  It can be purchased by any business in the state – whether through a private company or The State Workers’ Insurance Fund or SWIF.  Coverage is written on an annual basis, and is rated based on annual payroll amounts.

Payroll is divided into class codes based upon the type of work that employees perform.  When you first write a policy, the class code is initially determined by your agent, and will be confirmed by the PA Rating Compensation Bureau or PCRB.  Final determination will be made by the PCRB and will be enforced upon all insurance companies, including SWIF.  You can always appeal the class code(s) assigned to your business.

Each class code has a rate, as determined by base rates each company files with the state.  Simply put, your WC premium is determined by multiplying your payroll amount (divided by 100) times the applicable rate, and then adding in the PA Employer Assessment (which functions similar to a tax).  If you write your coverage through any company other than SWIF, you will also pay a flat Expense Constant.

At the end of each policy term, your policy will be audited – either by your insurance company or an independent auditor hired by your company.  Not every company audits every year, but most do.  Audits, especially for small businesses, are typically a short form that’s mailed to you to complete and return.  The audit is used to determine the actual payroll for the prior policy term (not calendar or business year), and typically requires W2 or other tax form verification.  Occassionally, an auditor will actually come to your business to review your information, but it is still often a simple process.

I feel like I’ve bored you enough.  Work Comp is generally a very dry, straight forward coverage to discuss.  I hope that you stayed awake, and if you have additional questions on how it works, PLEASE feel free to call or email us!

PS – we are running a contest on Facebook.  Every person who likes my page in the month of February is entered into a drawing to win a $100 gift card to either Darden Restaurants or Big Burrito Group.  Already liked my page?  NOT TO WORRY!  For every person that you refer to my page, you are entered to win a $50 gift card to the same!  (everyone can “enter” to win this card – new and old “likers”)  If they are picked as the winner for the $100 gift card, and you referred them, then YOU WIN the $50 card!  Need another link, in case you missed the first one?   Here’s another one…  LINK   or was it LINK

Anyway, have a good day, and don’t hurt yourself!

Pittsburgh!

This picture has absolutely nothing to do with Workers Compensation. But I love our city. And you’re probably tired of hearing about WC

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