New Liberty Mutual study explores teens’ behavior behind the wheel

I came across this article and thought I would share it with you. Having 2 kids in high school and at different driving experience levels, the article rang true to me. U.S. teenagers are more reckless after their first few years of driving, often becoming overconfident in their abilities and putting themselves at higher risk […]

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May We Have Your Attention Please?

When driving home from work this week, I came face to face with a distracted driver. The driver was looking down, eyes off the road, texting, and nearly hitting me. Recent studies have shown drivers are more distracted, which accounted for 3,179 deaths and 431,000 injuries in 2014. It is even estimated that 1 in […]

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What is Additional Living Expense Coverage?

Not many people sit and think about what they would do if a devastating tornado or fire completely demolished their home and left them “homeless.” When the unthinkable happens, Additional Living Expense, an often overlooked coverage that is typically part of a homeowners policy, may prove to be a financial and emotional lifesaver. Homeowners insurance […]

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Precious Cargo: Keeping Your Children Safe in the Car

I was driving over to Smith’s the other day and saw a woman stopped behind me at the light with what appeared to be a toddler in the seat next to her. It kind of ticked me off, but then I thought, it’s a small town, what’s the harm. We never have accidents here, right? […]

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When – and Why – You May Need Umbrella Insurance

Living in a busy world, our lives constantly intersect with the people around us, and some interactions can have surprising consequences. It is increasingly important to make careful insurance choices to protect yourself from the unexpected. Because, even if you carry excellent coverage with high limits, situations can still arise that leave you liable for […]

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What’s Driving My Personal Auto Insurance Rates?

I have been getting quite a few calls lately about car insurance rates on the rise. Why are rates going up, even if I am not having accidents? To start with , you need to understand the function of insurance is to accept the risk from many people to pay for the losses of the […]

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It’s a Bird. It’s a Plane. No it’s a drone.

Unmanned Autonomous Vehicles (UAVs) or Remotely Piloted Aerial Systems (RPAS), commonly known and referred to as drones, are aircraft which can be operated without an onboard pilot. Originally developed for military use in situations deemed too dangerous for manned aircraft, their use has since expanded to scientific, recreational, agricultural, commercial, and insurance industries. In the […]

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Choose an Insurance Agent in Four Steps

It’s Not Just a Quote, It’s a Relationship Shopping for insurance? You may think you’re simply looking for an insurance policy. But, perhaps, what you’re really looking for isn’t a “what” but a “who” – someone you can trust to guide you through the plethora of insurance choices, rather than trying to make sense of […]

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Avoid Deadly Distractions Behind The Wheel

Not Texting is a Start, but There’s More to Safe Driving Many people have a limited definition of “distracted driving”: They think it only means texting behind the wheel. There’s good reason for that, because texting requires visual, manual and cognitive attention – the same attention required for safe driving. But although texting is perhaps […]

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What Are Aftermarket Parts?

Every so often I get a phone call during the claims process about aftermarket parts. The usual questions are what are they, should they be used, and what happens to the value of your vehicle if you agree to use them. All are valid questions. The truth is that the use of aftermarket parts in […]

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