An Auto Insurance Update
No one wants to get into an auto accident, but when you do, it is nice to have auto insurance to help you through the aggravation. Auto insurance can come in many different forms, and we can design an auto insurance policy for your needs that offers you the best possible combination of coverage, price, and service.
Auto insurance policies can offer a few good surprises regarding coverage. Remember, each policy is different, but generally, the following damages are covered under a standard auto policy, or can be added.
Water Damage – Damage due to flooding or rain can be included in your auto policy. With any
comprehensive or collision claim, your claim check will be reduced by your deductible amount.
Riot – If your vehicle gets into the middle of a demonstration or riot and is damaged, your comprehensive insurance will cover any damage subject to your deductible. If you have comprehensive coverage, shattered windows, scratches, dents from kicking feet, and other forms of riot-based vandalism, are covered.
Lost Wages - If injuries from a car accident cause you to miss work, your car insurance may be able to help get back some, or all, the wages you lose. This benefit is part of personal injury protection, which covers injuries for you and your passengers regardless of who caused the crash.
Auto Insurance Coverage Options
Here are other unique options you might want to consider when purchasing auto insurance:
New Car Replacement – This coverage usually will provide the cost of a new car (one year removed) if your auto is totaled.
Vanishing Deductible - Under these so-called deductible-credit plans, the deductible diminishes year by year for policyholders who don’t have a claim.
If you're lucky enough to have a lawn with a good topsoil base, much of the hard work of keeping a lawn beautiful is already done for you. But many of us do not have this luxury, and besides, even with a good topsoil base, you still have to work hard to keep a beautiful lawn and garden.
1. The best time to mow a lawn is when it is cool and dry. Wait for the morning dew to dry off, and before the afternoon, heat takes hold. Alternatively, late afternoon or early evening following a watering in the morning is also a good time.
2. A hedge is a much better boundary divider than a fence. It will provide better privacy and keep pets and children in or out. It will attract birds to its shelter and provide a great backdrop for plants and flowers.
3. Bring the beauty of your garden to you; plant hyacinths near walkways and doors. Their magnificent perfume will swamp the spring air and make your garden really come alive.
4. Add your garden to non-garden items, such as lampposts and mailboxes. Surround these items with flowers planted to take advantage of the earliest to the latest flowerings. You could have white snowdrops, purple and gold crocus, blue hyacinths, and various colored tulips. You could also surround the posts with rocks to provide added interest.
5. Simple but effective weed control can be achieved on your lawn by often mowing during spring. This will prevent dandelions from spreading by eliminating the yellow blossoms and preventing seed formation. Mow high during late spring and early summer. This will allow grass blades to shade the ground and will help prevent crabgrass from sprouting.
Your lawn and garden should be a source of pride and beauty.
You don't need to spend lots of money on expensive fertilizers and herbicides or fancy lawn furniture and ornaments. A little commonsense and thought can go a long way to making your lawn and garden a much better place.
As always, all of us at Kimbrell Insurance Agency appreciate your business, and If you would like us to do a 'spring cleaning' of your accounts please don't hesitate to email or call us.
People buy insurance to protect their assets from loss. Typically, that includes homeowner’s insurance, auto insurance, life insurance, and a personal health policy. However, there are other kinds of personal insurance that you may not have considered. A balanced personal insurance program may consist of some of the following kinds of coverage.
Earthquake or flood insurance. Depending on where you live, you may need to consider this kind of disaster insurance.
Home-based business insurance. If you operate a business from home, your homeowner’s insurance will not cover this. You will need a business insurance policy.
Sewer backup coverage. Your homeowner’s insurance will cover water damage from a cracked pipe (per the terms of your policy), but if your sewer is backed up from outside your home, you may have a gap in coverage.
Personal umbrella. A personal umbrella policy will provide limits of coverage over and above your
homeowners and auto insurance. If you own a boat, pool, ATV, or own your home, you may want to consider a personal umbrella policy.
Identity theft. Identity theft insurance covers your out-of-pocket expenses such as legal fees and other expenses to clear up your personal records.
Protect what matters most to you with Orange, CA Car, Home, Health, Life & Business insurance. We offer the best combination of competitive rates, coverage and personal service in Orange.
Never Sign Away Your Rights
As a homeowner, you carry homeowner’s insurance to protect yourself in case of damage to your home. Horrifically, unscrupulous contractors use an insidious trick to defraud thousands of Florida homeowners every year - convincing them to sign away their rights through an Assignment of Benefits (AOB) form.
What is an "AOB" form?
A contractor or repair company representative will often tell you that an Assignment of Benefits or "AOB" form is necessary for them to do work on your home. They may promise it will make the process easier for you as it will allow them to "handle everything." They might even offer to lower or eliminate your deductible if you sign the form immediately.
This tactic is often used by roofing contractors after storms, or by water restoration companies if you have water damage caused by a leak in your home. However, signing an AOB form efficiently turns over your rights under your insurance policy. If someone can gain access to the roof or the interior of your home before your insurance adjuster arrives, they may intentionally cause extra damage so they can inflate repair costs
Don't allow roofing contractors up on your roof to "investigate," or water restoration companies to start work before the damage is assessed. Most importantly, don't sign an AOB form. We are here for you and can help you navigate the claims process and avoid contractor abuse and fraud.
You can help stop AOB contractor fraud by knowing your rights (including the right to cancel a contract, including a signed AOB form, within three days) and you can also help others avoid a nightmare like Barbara's by sharing this information with friends, family, and neighbors. Together, we can put an end to contractor abuse and AOB contractor fraud.
Most contractors are very professional, but there are a few that follow disasters and try to take advantage of you.
There are three key elements that are important to make any exercise program successful. These elements are safety, effectiveness, and enjoyment.
Safety: The “No pain, no gain” theory is a myth. Avoid any exercise that causes pain or undue discomfort. If pain occurs in the neck or chest area, stop exercising and, if necessary, seek medical attention. General muscle soreness is another matter, especially for the beginner. You can expect some soreness, but it need not be excessive.
A personal trainer will design an exercise program for you and your current fitness level. As your fitness level increases, your program will be adjusted to keep up with you. Too much too soon will only undermine your efforts.
Using proper form, technique and avoiding high-impact will keep your exercise program safe. A strain in your lower back, shins, calves, ankles, and knees are predictable results of improper form. Repetitive, jarring movements should be avoided for general fitness. If you feel a strain, please let your trainer know. We don’t always know if you don’t tell us.
Don’t bounce or force stretching movements. Quick, pulsing movements while stretching can result in muscle strain and tears. Static movements that gradually extend muscles through the full range of motion until you feel resistance is the stretching to use for general fitness. Stretching will also decrease the likelihood of injury and soreness.
Effectiveness: Effective exercise does require effort, but those who say it must hurt are wrong. The level of exercise is determined by your fitness level and goals. The fuel source for the body during low to moderate aerobic exercise is fat. If burning excess body fat is your current fitness goal, stick to the recommended exercises and intensity levels to receive maximum results. As your fitness level increases, so will the formula for your program. Intensity, weight, repetitions, and rest periods will all be adjusted as you progress.
Proper warm-up before exercising and cool down afterward is essential to avoid injury and achieve peak performance.
Enjoyment: It has been said that nobody will exercise just because it is good for them. We need additional motives or goals that mean something to us, and that will come as a result of regular exercise.
It is important to identify your goal, so your exercising effort focuses on your goal(s) to keep you motivated. The more motivating your exercise becomes, the more enjoyable it will be. More enjoyment produces more consistent and more incredible results!
So how do you make exercise fun? First of all, stop thinking of it as exercise and start thinking of it as play. You remember play: those activities you enjoyed as a child. Turn exercise into play! Usually, play involves interaction with friends and variety.
All of us at Kimbrell Insurance Agency appreciate your continued business, and wish you a healthy and happy March!