In a world where everything is available to us on the go, it gets increasingly more difficult to unplug ourselves from the wonders of technology, even during our daily commute. The CDC describes three categories of distraction: visual (distracted eyes), manual (distracted hands), and cognitive (distracted mind). Distracted driving is one of the most prominent causes of accidents on our roadways. According to the statistics posted to distraction.gov, “In 2014 3,179 people were killed, and 431,000 were injured in motor vehicle crashes involving distracted drivers.” Here are some of the most common distractions we face in our vehicles daily.
Thinking about escaping the ups and downs of winter in East Tennessee by going on vacation? Here are a few helpful reminders to keep your home safe while you are away!
Topics: homeowner's insurance
Think your landlord’s property insurance covers your personal belongings? WRONG! Read on to discover the different levels of coverage for when you rent and why it’s important to have it!
Ever considered going without insurance because the payments were too high for your tastes? Read ahead for tips on how to shop around and get a better deal on your insurance!
Everyone thinks that it could never happen to them. Hurricanes, floods, fires--there are countless disasters that affect the lives of so many undeserving victims. Disaster doesn’t discriminate and it doesn’t wait for you to get your affairs in order before it wreaks havoc. How long have you been saying that you’ll update your insurance plans tomorrow? We hope that you never have to experience any sort of disaster, but just in case that plan fails, we encourage you to make sure that you are keeping your insurance plans up to date.
Topics: homeowner's insurance
Its either the day you’ve been dreaming of…or the day you’ve been dreading since they were born. Your teenager is finally ready to get behind the wheel of a car and drive off into the sunset without you. Yep that’s right, your teenager officially has their drivers license and is free to cruise the roads. Scary, huh?
Growing up, we’ve always heard the phrase “bundle up” as it pertains to dressing for cold weather. However, when most of us hear it as it pertains to insurance, it often triggers some confused looks.
When a natural disaster strikes, it never seems to matter how much you’ve prepared. The wreckage and danger seems never-ending, so before you start trying to repair what’s been broken, make sure you’ve considered these questions.
Are You Sure It’s Over?
Following an earthquake, tornado, hurricane, etc. make sure not to assume it is over until authorities inform the public. What can be mistaken as the end of the storm or earthquake could merely be a lull. Best to wait for official notice it’s safe, rather than risk getting seriously injured by venturing outdoors.
What it is?
Insurance audits are typically performed on commercial insurance policies providing auto, general liability, garage liability, umbrella and workers compensation coverages. When these policies are issued, you are asked to pay an estimated premium. Estimated premiums are based on the nature of your business and your estimate of exposures (i.e. payroll, sales, etc.) for the policy period. Once your policy expires, an audit is conducted to collect information on actual exposures and operations and then determine the final premium.
Topics: Umbrella Insurance