Today. Dill Potato Salad. Whole Life Explained, Pg. 3 Local Chapter Election Results, Pg. 7 PERIODICAL. Summer 2013
|
|
- Dustin Robinson
- 8 years ago
- Views:
Transcription
1 PERIODICAL Today PO Box 645 Brenham, TX Summer 2013 Dill Potato Salad Using light mayonnaise and nonfat Greek yogurt means you still have creaminess but lose the excess fat of traditional potato salad. Gourmet fingerling potatoes add a nice texture or use Yukon Gold or other potatoes if you prefer. 3/4 pound fingerling (or other) potatoes 2 tablespoons light mayonnaise 1½ tablespoons plain nonfat Greek yogurt ½ cup English cucumbers, diced 1½ teaspoons fresh dill, chopped ¼ teaspoon kosher salt ¼ teaspoon freshly ground black pepper Cut potatoes into 1-inch pieces. Fill large saucepan 2/3 of the way with water. Add potatoes to pan; cover and bring to a boil. Reduce heat to medium-high; cook 5 minutes or until tender. Drain. Combine remaining ingredients in a medium bowl; add drained potatoes and toss gently to mix. Serve warm or chilled. Servings: 6 (½ cup each) Whole Life Explained, Pg. 3 Local Chapter Election Results, Pg. 7
2 A Message from the President School is out, and the hot days of summer are upon us. Many will seek water parks and our Texas beaches for fun, relaxation and temporary relief from the heat. For those whose summer vacation plans include travelling across our Texas roadways please drive safely. Did you know that the Texas Department of Motor Vehicles estimates that 15 to 20 percent of Texas drivers are uninsured? And many more are underinsured. Our feature story in this issue tests your knowledge on auto insurance. Please contact your Germania agent to review your Germania auto insurance coverage and how it will respond if you are involved in an accident with an uninsured or underinsured driver. Paul Ehlert, President The beginning of summer also marks the beginning of the Atlantic hurricane season. Hurricanes are not foreign to Germania or our members. Many of our members unfortunately experienced Hurricane Rita in 2005 and Hurricanes Dolly and Ike in An above average hurricane season is predicted for this year with 18 named storms including nine hurricanes, four of which are predicted to be category 3 or larger. While you are visiting with your agent regarding your Germania auto insurance, talk also about insuring your home to value. If your home is destroyed by a hurricane or by another insured peril, you want to have enough insurance to reconstruct your home to its original condition. In this edition, you will see the Germania Property and Casualty Group of Companies operating results for Despite another year where Texas has experienced above average weather losses, I am happy to report we were able to add $8.7 Million to our policyholder surplus. This provides us greater financial strength to serve your insurance needs. Congratulations to Donald Scott Phillips, District 1, Donald W. Spiess, District 9, James Bryant Holub, District 13, and Michael L. Bayless, District 19 who were elected by our members to lead the Association as directors on the Germania Farm Mutual board. To read more about your Germania Farm Mutual Board of Directors, please visit our website at and click the About Us link. I wish each of you a safe and enjoyable summer and I thank you for the trust you have placed in Germania. Germania Farm Mutual Insurance Association 507 Hwy. 290 East Brenham, Texas GermaniaInsurance.com Summer 2013 Volume 39, Issue 2 Paul Ehlert Gary Weiss Blake Lovelace Derrell Krebs Laura Popp James Pharaon Julia Rosenfeld President 1st Vice President 2nd Vice President Secretary/Treasurer Director of Corporate Communications Senior Creative Designer Contributing Writer Germania Today (USPS ) Published quarterly by Germania Farm Mutual Insurance Association Postmaster: Send address changes to Germania Today at P.O. Box 645, Brenham, TX Periodical postage paid at Brenham, Texas and additional mailing offices. Subscription price is 50 cents per year included in yearly premium. 2 Germania Today
3 A Word to the Wise: Insure to Value! Smart Homeownership Each season offers rewards and challenges for homeowners and it s smart to remain aware of the potential damage from severe storms. Summer s lazy days can be quickly interrupted by hail storms, wildfires, hurricanes and the effects of prolonged Texas drought conditions. Because your home is your single biggest investment, regular maintenance is a simple way to secure it and ensure its peak performance. Use this checklist for a summer review of basic home upkeep: Prune or remove overgrown shrubs or plants near your home. Also, cut tree limbs that may rub on the roof causing damage and remove dead trees and branches that may fall on your home. Remove dead bushes, shrubs and brush to provide a defensible fire space around your home and outbuildings. Be sure downspouts are clear and able to drain rain properly. Clean leaves Whole Life: Going Beyond Basic Coverage One of the primary reasons people buy life insurance is to fund final expenses. In addition to the cost of a funeral, related line items often include hospital and medical bills, legal fees, taxes and other end-of-life care expenses. The bills can add up quickly, and costs continue to rise annually. In the last 20 years, for example, the average cost of a basic funeral in America has gone from $5,500 to $9,000. To avoid burdening family members with these bills, many people consider Whole Life insurance the best and most suitable solution for funding final expenses. Whole Life guarantees death benefits for the named insured to age 121, as long as the premiums are paid. It s flexible too, as premiums can be fixed for life or modified to shorten the payment period. and debris from gutters and valleys. Check that the grading around your house provides proper drainage. Inspect indoor and outdoor wiring for wear and damage. Replace any wires that show signs of cracking. Be sure any satellite dishes or antennas on the roof are properly anchored and no cracks are present on the roof that might cause leaks. Clean around outdoor AC units and equipment, cutting back any nearby plant growth and removing leaves and debris. Check for signs of rodents, bees, wasps, fire ants and other pests and treat or remove them. Value your home Protect your home year-round by insuring your property to its proper value. Taking this single step, with the help of your Germania agent, can mean a world of difference should disaster hit home. Another benefit of Whole Life is that it builds an equity or cash value, lowering the total cost of owning the policy compared to Term Life insurance. So not only will it help you manage end-of-life costs, it has a cash value if you decide to cancel early. In the early years of a Whole Life contract, the prime earning years for most people, Whole Life premiums are typically higher than Term Life premiums. As the policy matures and remains in force, the premiums become more cost effective. Your Germania Life agent can help you choose the Whole Life policy that meets your needs now and tomorrow. Ask for a noobligation quote or contact Germania Life directly at or at glife@germaniainsurance.com. Start by talking with your Germania agent about any additions you ve built or significant upgrades you ve made inside or out. Renovating your kitchen or bath, laying wood flooring, residing the exterior or adding a room make big differences in your home s value. Whether you ve upgraded or not, your property must be insured to its current value. To do so, your Germania agent will use an enhanced residential cost estimate tool that s a virtual walkthrough of your house. The result will be the proper value of your property and invaluable peace of mind. Germania s goal is to keep you whole. Take calculated steps to protect your property with proactive seasonal maintenance and seek assistance from your Germania agent, who can advise you on the proper amount of insurance for your home.
4 Pop Quiz: Auto insurance isn t taught as a general subject in school, but maybe it should be. After all, most Americans drive a car and need to understand the importance of having the right protection. Whether you re just getting your learner s permit or have been behind the wheel for decades, test your knowledge of auto insurance and be sure you re well versed in the topic. 1. Which type of auto insurance coverage takes care of hail damage to your car? A. Other Than Collision (OTC) B. Collision C. Liability The answer is A. Other Than Collision, as the term implies, responds to losses that don t meet the definition of Collision. It covers damages to your car such as: vandalism, falling objects, fire, hail, flood, contact from animals, breakage of glass and theft. 2. What coverage could you use for damage to your vehicle caused from a hit-and-run driver? A. Other Than Collision (OTC) B. Collision C. Uninsured/Underinsured Motorist (UM/UIM) D. Collision &/or Uninsured/Underinsured Motorist The answer is D. Collision &/or Uninsured/Underinsured Motorist. Collision covers physical damage to the vehicle but Uninsured/Underinsured Motorist can also provide coverage for damage to your vehicle and bodily injury arising from an accident caused by an uninsured motorist, which includes a hit and run driver when actual contact of the vehicle is made and the driver of the other vehicle cannot be determined. 3. How many vehicles on Texas roads are estimated to be uninsured? A. 33% B. 20% C. 18% The answer is B. According to recent figures from TexasSure, around 4.28 million registered cars could not be matched to a policy. That s 20 percent of the total registered vehicles in Texas. 4. What is TexasSure? A. An auto insurance verification system B. A low-cost auto insurance company The answer is A. TexasSure is a verification system used by law enforcement and county tax officials to check if cars have auto liability insurance. The TexasSure database connects every registered vehicle in the state by its license plate, VIN and liability insurance policy. The system helps reduce the number of uninsured vehicles in Texas, prevents the use of counterfeit proof of insurance cards and reduces insurance fraud. 5. What are the Minimum Liability Limits required by Texas? A. 30/60/25 B. 15/30/5 C. 50/100/50 The answer is A. Texas law requires its citizens be financially responsible for accidents they may cause. Most drivers buy insurance to meet the state s law, the state required minimums are 30/60/25. That means the coverage must be set at least at $30,000 for each injured person, up to a total of $60,000 per accident for bodily injuries and $25,000 for property damage per accident. With the rising costs of cars, repairs and medical care, responsible Texans should carry much more than the Texas state minimum. Germania has limits available to meet most insured s needs. 6. Are you responsible for paying the excess damages above the limits of your insurance if the damages, as a result of an accident which was your fault, exceed your insurance limits. A. No B. Yes The answer is B. Yes, you are. The limits you select set the amount the insurance company can pay on your behalf. However, you are responsible for everything outside of that from your personal assets. That s why it s important to have adequate coverage limits that are right for the times. 7. You loan your car to a friend and your friend is in an accident that is his fault, who s auto policy has to pay first? A. Your auto policy B. The friend s auto policy C. Both must participate The answer is A. In most instances, the insurance on the 4 Germania Today
5 Auto Insurance vehicle would respond first. Your auto policy pays first, and your friend s insurance policy would potentially provide excess coverages so consider this when loaning your car. 8. When do parents stop being financially responsible for their teenage drivers? A. When they pay for the child s auto policy B. When the child pays for their own auto policy C. When the child turns 18-years-old The answer is C. Parents are financially responsible for their children until they reach age 18. So, if you purchase a car for your child in their name before they are 18-years-old it is important to consider limits that protect you as well. 9. You borrow a friend s car and his insurance limits are insufficient, and you have an accident that s your fault, will your policy respond? A. Yes B. No The answer is A. Subject to certain limitations on your auto policy, yours could respond as excess coverage. 10. Your child takes a vehicle titled in your name and insured on your policy with him to school. He graduates from college, but does not move home. What coverage does he have from your insurance policy? A. Coverage only when he drives that vehicle or another vehicle listed on that policy B. Coverage as insured regardless of vehicle he is driving C. None The answer is A. If your child does not reside in the household or would reside in the household if not away at school, the child becomes a permissive user and would have in essence the same coverage as a friend to whom you ve lent your car. Permissive users only have coverage from your policy when operating or occupying the vehicle listed on your policy. Give yourself an A if you answered nine or more questions correctly! The answers to questions above are based on given scenarios. All losses are subject to policy provisions. If you have questions about your policy or coverages, please contact your Germania agent. Summer
6 Germania Farm Mutual Insurance Association and Subsidiaries Hurricane Season is Here Again As The Insurance Texans Trust, Germania understands how important it is that all of us be prepared for hurricane season, officially June 1 November 30. This year we have posted an in-depth article at GermaniaInsurance.com about these storms, the common damage from them and how you can prepare your home and family for the impact. You ll also find a downloadable Home Inventory Checklist which will help you create or update an inventory of everything in your home. Simply complete the checklist and store it in a safe place along with your other important documents. Prefer a paper checklist? Ask your Germania agent for a Home Inventory Checklist brochure. Germania Farm Mutual Insurance Association Claims Paid By Peril Storm $ 86,267, Fire $ 30,618, Water $ 16,504, Theft $ 4,027, Other $ 4,407, Total $141,825, When the West, Texas tragedy occurred, Germania jumped into action. This video highlights the devastation we encountered and our response to the needs of West. View the West, TX video on Germania s Facebook page at facebook.com/germaniainsurance or at As a Germania policyholder you have the benefit of signing up for electronic funds transfer (EFT) to make your premium payments. You can select the date that works best for you, and your payments will always be on time. When you use EFT you can also save up to $30 a year by eliminating installment fees. To sign up, go to the Electronic Funds Transfer link at GermaniaInsurance.com. 6 Germania Today
7 Dollars and Sense College Expenses101 Everyday expenses for your kids certainly don t end when they go off to college. In fact, when your first child leaves the nest for campus life, you could be shocked at the non-academic expenses you both face, from dorm room necessities and snacks to organizational dues and special event costs. You might be able to cut initial bills by coordinating with roommates to eliminate duplicate electronics, for example, or using existing furnishings, sheets and décor from home for the dorm. But for many parents, the summer months before the big move-out date can turn into one long spending spree. The Germania Credit Union staff (especially the parents) understands what you re facing and have a simple idea on how to cope: A GCU personal loan. A personal loan offers competitive rates and flexible terms, delivering a smart budget solution for managing upfront college expenses without high credit card fees. Here s another great financial idea for your college student: Talk about the importance of budgeting and controlling spending before they leave home and work together on a plan for expenses. If you will be providing an allowance, be sure they have a GCU Share Draft account set up before they go, then transfer the allowance into their account at the agreedupon frequency. Most importantly, be sure you both stick to the plan. Germania Credit Union has flexible options for repaying loans. Your credit worthiness determines the Annual Percentage Rate (APR) you are offered. If you re not yet a member, visit www. GermaniaCreditUnion.com for information on joining, details on loan types and rates, or to apply for a loan online. Results of April Local Chapter Meetings Approximately 18,500 members of Germania Farm Mutual Insurance Association attended their Local Chapter meetings during April. Many enjoyed the hospitality of meals and refreshments, as well as business updates on Germania. District Director elections were held in four districts with the following director nominees elected for a three year term: District Director 1 Donald Scott Phillips (LC 161, Denison) 9 Donald W. Spiess (LC 14, Brenham) 13 James Bryant Holub (LC 85, Wichita Falls) 19 Michael L. Bayless (LC 386, Lumberton) subsidiary boards and board committees. All districts participated in the voting on an amendment to the Constitution. The amendment did not pass by the required two-thirds majority vote of the members voting at the April Local Chapter meetings. As we welcome Mr. Phillips and Mr. Bayless as new members of the board, appreciation is extended to Fredda Lemons for her 15 years of service and Daniel Wilkinson for his 12 years of service on the GFM board, Michael Bayless Donald Scott Phillips Summer
8 PERIODICAL Today PO Box 645 Brenham, TX Summer 2013 Dill Potato Salad Using light mayonnaise and nonfat Greek yogurt means you still have creaminess but lose the excess fat of traditional potato salad. Gourmet fingerling potatoes add a nice texture or use Yukon Gold or other potatoes if you prefer. 3/4 pound fingerling (or other) potatoes 2 tablespoons light mayonnaise 1½ tablespoons plain nonfat Greek yogurt ½ cup English cucumbers, diced 1½ teaspoons fresh dill, chopped ¼ teaspoon kosher salt ¼ teaspoon freshly ground black pepper Cut potatoes into 1-inch pieces. Fill large saucepan 2/3 of the way with water. Add potatoes to pan; cover and bring to a boil. Reduce heat to medium-high; cook 5 minutes or until tender. Drain. Combine remaining ingredients in a medium bowl; add drained potatoes and toss gently to mix. Serve warm or chilled. Servings: 6 (½ cup each) Whole Life Explained, Pg. 3 Local Chapter Election Results, Pg. 7
Today. Summer 2012. Rental Car Coverage Answers, Pg. 4 The Continuing Identity Theft Problem, Pg. 5
Today Summer 2012 Rental Car Coverage Answers, Pg. 4 The Continuing Identity Theft Problem, Pg. 5 A Message from the President Every season has its advantages. Summer brings a number of opportunities for
More informationToday. Staying On Top of Roofing Claims What is Your House Really Worth?, Pg. 3 Constitutional Amendments, Pg. 7
PERIODICAL Today PO Box 645 Brenham, TX 77834-0645 Spring 2013 Sweet Green Salad and Walnut Oil Dressing Turn a simple salad into a juicy treat with fresh stone fruit or strawberries. In the fall, substitute
More informationGermania Director Election Requirements, Pg. 6 Roadside Assistance Keytags, Pg. 7
Fall 2013 Germania Director Election Requirements, Pg. 6 Roadside Assistance Keytags, Pg. 7 A Message from the President As a member-owned company formed in 1896 to provide fire, windstorm and lightning
More informationChapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance
Chapter 10 Property and Motor Vehicle Insurance McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 10-1 Chapter 10 Learning Objectives 1. Develop a risk management
More informationSave Money with Premium Discounts, Pg. 6 Germania Advantage Program Update, Pg. 7
Winter 2013 Save Money with Premium Discounts, Pg. 6 Germania Advantage Program Update, Pg. 7 A Message from the President The holiday season is upon us, and the New Year is quickly approaching. Wishes
More informationFall 2014. What You NEED TO KNOW About Your Claim! Germania s New Phone-friendly Website, Pg. 3 Telephone Scam Alert, Pg. 3
Fall 2014 What You NEED TO KNOW About Your Claim! Germania s New Phone-friendly Website, Pg. 3 Telephone Scam Alert, Pg. 3 A Message from the President Last week I played golf with a good friend of mine
More informationAll About Auto Insurance
All About Auto Insurance The legal responsibility involved when you are in a car accident is extraordinary. Basically, if you hurt someone else while driving, there s no limit to the amount he or she can
More informationTexas Municipal Courts Education Center
TexasSure Bringing Insurance Verification Into the 21 st Century Texas Municipal Courts Education Center 2008-2009 Academic Year Session Learning Objectives: By the end of the session, participants should
More informationNAIC Consumer Shopping Tool for Auto Insurance
NAIC Consumer Shopping Tool for Auto Insurance Need Auto Insurance? Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best
More informationNEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have
Unit 6 - Insurance: Protecting What You Have Common Exposures to Loss Exposure Risk Potential Loss Accident or Illness Loss of income from inability to work; uninsured medical bills; death UNLIMITED Property
More informationmade simple Auto Insurance What s included:
Auto Insurance made simple What s included: How to read your Allstate Auto Policy Declarations Understanding auto insurance: Coverages Deductibles Coverage limits What to do in case of an accident Frequently
More informationAuto Insurance for New Mexico s Young Drivers
Auto Insurance for New Mexico s Young Drivers Prepared for New Mexico s Young Drivers and Their Parents by: One of the major events in many people s lives is earning the privilege of driving a motor vehicle.
More informationA CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE
A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of Insurance
More informationBusiness Auto Insurance. made simple
Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions
More informationINSURANCE BASICS (DON T RISK IT)
INSURANCE BASICS (DON T RISK IT) WHAT IS INSURANCE? Risk management tool that limits financial loss due to illness, injury or damage in exchange for a premium Shared Risk- Insurance company collects premiums
More informationCoverage that fits your lifestyle
CONDOMINIUM UNITOWNERS Coverage that fits your lifestyle Your condominium (condo) association may include insurance for the building s structure, but covering your unit and personal possessions is up to
More informationA Shopping Tool for. Automobile Insurance. Mississippi Insurance Department
A Shopping Tool for Automobile Insurance Mississippi Insurance Department 1 A Shopping Tool for 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance
More informationA Shopping Tool for. Automobile Insurance. Mississippi Insurance Department
Automobile Insurance Mississippi Insurance Department 1 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services
More informationWhat is a definition of insurance?
What is a definition of insurance? A system of protection against loss in which a number of individuals agree to pay certain sums for a guarantee that they will be compensated for a specific loss. Every
More informationHome and Automobile Insurance Guide
Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined
More informationThe Graduate s Guide to Insurance - 1 -
- 1 - The Consumer s Independent Guide to AUTO INSURANCE The Graduate s Guide to Insurance Congratulations! You ve got your degree and you are ready to take advantage of the exciting new opportunities
More informationWebinar on Insurance Coverages
Webinar on Insurance Coverages Property and Casualty Insurance Presenter David M. Pooser, Ph.D. Assistant Professor of Risk Management & Insurance St. John s University Moderator Frank Tomasello Program
More informationJUST BEGINNING. Your financial life is. I m Buying a Car!
Your financial life is JUST BEGINNING. The decisions you make now will put a steering wheel and a credit card in your hands. But they will also affect your financial future. Your choices may even prevent
More informationAuto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware
What To Do If You re In An Accident Stop and keep calm. Do not drive away from an accident. Do not argue with the other driver over the cause. Call an ambulance, if needed. Do what you can to provide first
More informationAuto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance.
The Instant Insurance Guide: Auto Info and tips for buying automobile and motorcycle insurance in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov
More informationThe Game of Life Purchasing Auto Insurance Updated: 2016-02-10
The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 One of the most common experiences young adults encounter can be one of the most mysterious: purchasing auto insurance. It might not seem
More informationCHAPTER 18 GENERAL INSURANCE
WISCONSIN LEGISLATOR BRIEFING BOOK 2015-16 CHAPTER 18 GENERAL INSURANCE Insurance protects against unexpected losses of income or property. The state regulates general insurance matters through the Office
More informationMotorcycle Insurance. made simple
Motorcycle Insurance made simple What s inside: How to read your Allstate Motorcycle Policy Declarations Understanding motorcycle insurance: Coverages Deductibles Coverage limits What to do in case of
More informationRenters Insurance. When you want to leave nothing to chance.
Renters Insurance When you want to leave nothing to chance. Property Coverage The Renters Policy protects your possessions in the event of: Fire Lightning Windstorm Hail Explosion Riot Aircraft Damage
More informationAUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD
AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD PROTECTION WHILE YOU ARE ON THE ROAD TO YOUR DREAMS LIABILITY COVERAGE What is Auto Insurance Coverage? An auto insurance policy is a package of several
More informationGermania Today
HELP on the Today Fall 2012 ROAD is here! Defensive Driving Discount, Pg. 6 Online Home Banking, Pg. 7 A Message from the President Assuring the security of our policyholders is a tall order of business
More information1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance
1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California
More informationINSURANCE BASICS101 TM %*'9 [[[ EPXEREJGY SVK
INSURANCE BASICS101 TM This book is intended as a general guide to the topics discussed, and it does not deliver accounting, personal finance, or legal advice. It is not intended, and should not be used,
More informationBUSINESS INSURANCE FAQ
BUSINESS INSURANCE FAQ Q: What is Business Insurance? A: We strive to understand your risk tolerance and financial ability to withstand the spectrum of potential losses and develop insurance programs to
More informationInsurance Information Institute. Am I Covered? homeowners about insurance. common questions asked by
Insurance Information Institute Am I Covered? common questions asked by homeowners about insurance If a fire, flood, earthquake, or some other natural disaster were to destroy or damage your home, would
More informationHow To Get Auto Insurance In Texas
Consumer Decision Making Contest 2001-2002 Study Guide Auto Insurance (Editor s Note: The terms, auto insurance and car will be used throughout the guide and apply to all types of motor vehicles: cars,
More informationTEACHER GUIDE 11.2 RISK MANAGEMENT AND INSURANCE PAGE 1
TEACHER GUIDE 11.2 RISK MANAGEMENT AND INSURANCE PAGE 1 Standard 11: The student will describe and explain how various types of insurance can be used to manage risk. Different Types of Insurance Priority
More informationToday. Spring 2012. Online Claims Reporting, Pg. 3 Board of Directors Elections, Pg. 4
Today Spring 2012 Online Claims Reporting, Pg. 3 Board of Directors Elections, Pg. 4 A Message from the President When we do business with a company, whether it s buying groceries or going out to eat,
More informationLOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance
LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up
More informationAuto insurance basics
Auto insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC As an automobile owner and driver, most states require you to purchase car insurance. When buying a car insurance
More informationRV Coverage Breakdown
RV Coverage Breakdown Collision and Comprehensive Collision and Comprehensive (Other than Collision) coverage are without a doubt two of the more important types of RV insurance coverage, and are also
More informationcondo insurance protecting your dreams
condo insurance protecting your dreams Home is more than where you live. it s how you live. Now you need to protect it. Think of how your personal possessions turn the space you own into a place that s
More informationCONSUMER S GUIDE TO AUTO INSURANCE
CONSUMER S GUIDE TO AUTO INSURANCE The Colorado Division of Insurance prepares this booklet to assist you in shopping for auto insurance and to help you understand your Personal Auto Policy. When shopping
More informationInsurance Observations and Recommendations for John & Joan Smith
17300 Henderson Pass, Suite 240 San Antonio, TX 78232 (210)918 8998 www.fladvisors.com Insurance Observations and Recommendations for John & Joan Smith Financial Life Advisors (FLA) has reviewed your current
More informationFrequently Asked Questions Auto Insurance
STATE OF WISCONSIN Frequently Asked Questions Auto Insurance OFFICE OF THE COMMISSIONER OF INSURANCE PI-233 (C 03/2015) The Automobile Insurance Policy (page 1) Wisconsin's Financial Responsibility Law
More informationNEW JERSEY AUTO INSURANCE BUYER S GUIDE. Jon S. Corzine Governor. Steven M. Goldman Commissioner
NEW JERSEY AUTO INSURANCE BUYER S GUIDE Jon S. Corzine Governor Steven M. Goldman Commissioner WHERE DO I START?... 1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies What
More informationDIVISION OF INSURANCE
Alaska Consumer Guide to Auto Insurance State of Alaska Department of Commerce, Community, and Economic Development DIVISION OF INSURANCE About the Alaska Division of Insurance The Alaska Division of Insurance
More informationBusiness Auto Policy
Business Auto Policy American Family s Business Auto Policy With more than thirty years of commercial lines policy experience and $15 billion in assets*, American Family offers businesses the stability,
More informationHomeowners insurance. protecting your dreams
Homeowners insurance protecting your dreams Your Home is A Dream Come True You ve worked hard for your home. It is a reflection of you and it may serve as the launch pad for your dreams. It s a special
More informationBusiness Owners Insurance. made simple
Business Owners Insurance made simple What s inside: How to read an Allstate Businessowners Policy Declarations Protecting your building and business personal property Understanding deductibles and coverage
More informationTypes of Insurance Grade Level 9-12
1.10.1 Types of Insurance Grade Level 9-12 Take Charge of Your Finances Time to complete: 60 minutes National Content Standards Family and Consumer Science Standards: 1.1.6, 2.1.6, 2.5.4, 2.6.1, 2.6.3,
More informationWhat is home insurance? What are perils? Whether you own or rent the roof over your head, that roof and everything beneath it has a value.
Whether you own or rent the roof over your head, that roof and everything beneath it has a value. Have you considered how hard it would be to replace everything if a tornado leveled your home? What if
More informationFREQUENTLY ASKED QUESTIONS
FREQUENTLY ASKED QUESTIONS What is TexasSure? GENERAL INFORMATION TexasSure is a new vehicle insurance verification system that will ultimately allow law enforcement and county tax officials to confirm
More informationGuide to Knowing Your Auto
Guide to Knowing Your Auto & Homeowners Insurance Options Presented by: 1 When it comes to insurance, you can never know too much. What type of insurance is available and how much coverage you need? And
More informationDrive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently.
AUTO INSURANCE Drive confidently With the exception of your home, your car is probably the most valuable thing you own. It s an investment one you rely on every day to commute, shuttle the kids, run errands
More informationAUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org
AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to
More informationA Consumer s Auto Insurance Guide
Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product
More informationA Consumer s Auto Insurance Guide
Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product
More informationAuto Insurance Buyers Guide
Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop
More informationmotorcycle insurance protecting your dreams
motorcycle insurance protecting your dreams let s ride. The freedom of the open road feels even better the less you have to worry about. But protecting yourself on a cycle involves more than leather and
More informationZacharLawFirm.com (602) 494-4800 Page 1
There are countless drivers across the state of Arizona that are uninsured or underinsured. In fact, it is estimated that one (1) out of every five (5) drivers on the road is driving without insurance.
More informationauto insurance protecting your dreams
auto insurance protecting your dreams Every day your car takes you from Point to Point and points in between. You re headed somewhere school, work, or to pick up some groceries. Visiting friends, a weekend
More informationBefore we delve into the basic types of insurance, there are several general principles you should understand concerning insurance:
Week Six Tuesday Overview: Insurance Read the Property and Auto Insurance section (No video this session) In today s world, insurance is a necessary part of life. It is used to protect your property, future
More informationgold star homeowners insurance protecting your dreams
gold star homeowners insurance protecting your dreams Home is where the real you lives. You're the type who pays attention to detail. You keep up to date. From the curb to the backyard, you take pride
More informationNEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* PL-50074 (03-12) Page 1 of 9 000001/00000 S1347I03 7668 07/23/12
NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* 000001/00000 S1347I03 7668 07/23/12 PL-50074 (03-12) Page 1 of 9 WHAT S INSIDE WHERE DO I START?... UNDERSTANDING YOUR POLICY... Types of Coverage
More informationWHERE TO GET MORE INFORMATION AND HELP
WHERE TO GET MORE INFORMATION AND HELP This Buyer's Guide is intended to provide general information to help you make coverage choices. It is not a substitute for the policy language, which governs. Additional
More informationA Publication of Encharter Insurance. The Insurance Guide To: DISASTERS A GUIDE TO CONVERTING PROSPECTS INOT USTOMERS
A Publication of Encharter Insurance The Insurance Guide To: DISASTERS A GUIDE TO CONVERTING PROSPECTS INOT USTOMERS TABLE OF CONTENTS Melting Snow & Ice.3 Wind & Hurricanes..5 Earthquakes.....6 Brush
More informationAuto Insurance. An Introduction for Adults
Auto Insurance An Introduction for Adults Nationwide and the Nationwide Frame are federally registered service marks of Nationwide Mutual Insurance Company. Facilitator s Guide Auto Insurance Overview:
More informationCondominium Unitowners Insurance
Condominium Unitowners Insurance Coverage that fits your lifestyle Your condominium (condo) association may include insurance for the building s structure, but covering your unit and personal possessions
More informationAutomobile Insurance Guide
Automobile Insurance Guide Page 1 Simply stated, automobile insurance is a contract between you and your insurance company that protects you against financial loss if you are in an accident. Auto policies
More informationCars and Insurance - Getting a Set of Wheels
Name Period All Classes Cars and Insurance - Getting a Set of Wheels Overview Few of us live, work, and shop within a small geographic area. Most of us need transportation to go to work or school or for
More informationAuto Insurance. » Make sure you have sufficient liability insurance in the event that someone decides to sue you for everything and then some.
Auto Insurance What it is and why it is important Beyond being a prerequisite to legally drive a car, auto insurance is essential to protecting your assets if they re threatened by an accident, natural
More informationThe perilsof. The ins and outs of liability insurance, Pg. 4. Lightning Safety, Pg. 3 Life Insurance for Your Graduate, Pg. 6
The perilsof LIABILITY The ins and outs of liability insurance, Pg. 4 Lightning Safety, Pg. 3 Life Insurance for Your Graduate, Pg. 6 A Message from the President As the president of Germania, I find myself
More informationAbel Insurance Agency
After a wildfire, people may have questions about their insurance coverage. The Insurance Information Institute offers answers to some of these basic questions. HOMEOWNERS COVERAGE Q. If my house burns
More informationA Consumer s Guide to Personal Auto Insurance
Maine Bureau of Insurance 34 State House Station Augusta, ME 04333-0034 A Consumer s Guide to Personal Auto Insurance A Publication of the Maine Bureau of Insurance June 2015 Paul R. LePage Governor Eric
More informationYour Guide to Auto Insurance Premiums
INSURANCE FACTS for Pennsylvania Consumers Your Guide to Auto Insurance Premiums 1-877-881-6388 Toll-free Automated Consumer Line www.insurance.state.pa.us Pennsylvnaia Insurance Department Website Required
More informationAutomobile Insurance
1.16.1.L1 Note taking guide Automobile Insurance Total Points Earned 41 Total Points Possible Percentage Risk Name Date Class Consumer Automobile insurance Insurance company Deductible Policy Premium LIABILITY
More informationMANITOBA PRESTIGE AUTO INSURANCE
Page License Plate Insurance... 2 Why Plate Insurance Isn t Enough... 2 Added Liability Protection... 3 Family Protection Coverage... 3 Vehicle Damage Deductible... 3 Seasonal Lay-Up Coverage... 3 Non-Owned
More informationCommercial Insurance. www.infarmbureau.com
Commercial Insurance www.infarmbureau.com Is your business properly insured? Don t wait until it s too late! Commercial Package Policy (CPP) Used by many classes of businesses manufacturers, restaurants,
More informationArkansas. Insurance Department AUTOMOBILE INSURANCE. Mike Beebe Governor. Jay Bradford Commissioner
Arkansas Insurance Department AUTOMOBILE INSURANCE Mike Beebe Governor Jay Bradford Commissioner A Message From The Commissioner The Arkansas Insurance Department takes very seriously its mission of consumer
More informationAMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY
AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY This Endorsement amends the Policy as follows: I. DEFINITIONS The Definitions Section is amended as follows: A. The third paragraph is replaced
More informationA CONSUMER'S GUIDE TO AUTOMOBILE INSURANCE IN MARYLAND 1. Peter J. Basile, Shareholder Ferguson, Schetelich & Ballew, P.A.
A CONSUMER'S GUIDE TO AUTOMOBILE INSURANCE IN MARYLAND 1 Introduction Peter J. Basile, Shareholder Ferguson, Schetelich & Ballew, P.A. 2011 We represent many clients who have been involved in car accidents,
More informationHow To Get A Home Insurance Policy In Australia
HOME CAR WITH OUR INSURANCE YOU CAN BE READY FOR JUST ABOUT ANYTHING. Accidents, break-ins and extreme weather can happen at any time. But with the right insurance, you can be ready for just about anything.
More information/1234512345/ The Added Benefits Program for Alcatel-Lucent Employees. With Comparative Rater, auto insurance comparison shopping
AME247-EMP /1234512345/ John Q. Sample Address Line 1 Address Line 2 Anytown, USA 12345-0000 With Comparative Rater, auto insurance comparison shopping and potential savings are just a click away. 99 Park
More informationMIND YOUR FINANCES. UNDERSTANDING INSURANCE Participant Guide INCHARGE DEBT SOLUTIONS WWW.INCHARGE.ORG
MIND YOUR FINANCES UNDERSTANDING INSURANCE Participant Guide INCHARGE DEBT SOLUTIONS WWW.INCHARGE.ORG 01 AN OLD STORY. It was a common practice for ancient caravans to split up goods and take different
More informationInsuring Business Vehicles
Insuring Business Vehicles WHAT IS BUSINESS VEHICLE INSURANCE? As a businessowner, you need some of the same insurance coverages for the cars, trucks, vans or other vehicles you use in your business as
More informationThe Insurance Guide To: Preparing for Spring
The Insurance Guide To: Preparing for Spring TABLE OF CONTENTS: Spring Cleaning....3 Driving in Spring.. 4 Motorcycles in Spring.5 Spring Showers....6 St. Patrick s Day..7 Spring Into Off-Roading..8 Spring
More informationHomeowners Insurance. made simple
Homeowners Insurance made simple What s included: How to read your Allstate Policy Declarations Protecting your home and personal property Understanding deductibles Additional protection How to file a
More informationCoverage for Other People Using Your Car. Today s Lecture State Farm Car Policy. Other People s Use of Your Car - Example
Today s Lecture State Farm Car Policy Other people using your car Your using other cars Other people using other cars Coverage for Other People Using Your Car Anybody using your car with permission is
More informationNEW JERSEY AUTO INSURANCE, BUYER S GUIDE
NEW JERSEY AUTO INSURANCE, BUYER S GUIDE BG-NJ (1/14) WHAT'S INSIDE WHEREDOISTART?...1 UNDERSTANDING YOUR POLICY...2 Types of Coverages Standard and Basic Policies What are Limits and Deductibles? UNDERSTANDING
More informationUNITED SERVICES AUTOMOBILE ASSOCIATION NEW JERSEY AUTO INSURANCE BUYER'S GUIDE
UNITED SERVICES AUTOMOBILE ASSOCIATION NEW JERSEY AUTO INSURANCE BUYER'S GUIDE New Jersey Department of Banking and Insurance 999NJ(31) Rev. 6-04 Page 1 of 10 WHAT'S INSIDE WHERE DO I START? PAGE 2 UNDERSTANDING
More informationUnderstanding your auto claim
Understanding your auto claim Filing a claim Immediately notify the police of an accident that damaged other s property or if you were the victim of a hitand-run accident, uninsured motorist, vandalism
More informationAutomobile Insurance Grade Level 9-12
Automobile Insurance Grade Level 9-12 Take Charge of Your Finances Materials provided by: Cynthia Barnes, Family and Consumer Sciences Educator, Beaverhead County High School, Dillon, Montana Time to complete:
More informationFrequently Asked Questions
A consumer information brochure published by the 21 South Fruit Street, Suite 14 Concord, NH 03301 phone: (800) 852-3416 fax: (603) 271-1406 Autos TDD Access: Relay NH 1-800-735-2964 My car has been totaled.
More information2) If using the Manual Entry Fields you must enter the original cost of the vehicle in the OCN (Original Cost New) field.
PAGE - VEHICLES 7 8 9 0 ) Select the Year, Make and Model of your vehicle. If not listed, enter the Make, Model and Body type (i.e. car, truck, SUV, etc.) into the Manual Entry Fields. ) If using the Manual
More informationIndex: Page 1 2: AUTO Insurance Questionnaire. Page 3 4: HOME Insurance Questionnaire. Page 5 6: HEALTH Insurance Questionnaire
Thank you for visiting Fortmanins.com, we appreciate thinking of us for your insurance needs. Our Licensed agents are ready to give you a professional customized quote on your Autos, Home, Farm, Commercial,
More informationAuto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help
Questions piling up on Auto Insurance? Why do I need automobile insurance? First, it s the law. Illinois law requires all motor vehicle owners to have certain auto insurance coverages. There may be others
More informationNEW JERSEY AUTO INSURANCE BUYER S GUIDE. Chris Christie Governor. Kim Guadagno Lt. Governor. Commissioner
NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Commissioner WHERE DO I START?... 1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies
More informationCONDO insurance. protecting your dreams
CONDO insurance protecting your dreams Home is more than where you live. It s how you live. Think of how your personal possessions turn the space you own into a place that s uniquely yours. Now consider
More informationCOMMERCIAL PPA EDITION
NEW JERSEY AUTO INSURANCE BUYER S GUIDE COMMERCIAL PPA EDITION For Individually Owned Private Passenger Automobiles Written on Commercial Insurance Policies WHAT S INSIDE WHERE DO I START?...PAGE 2 UNDERSTANDING
More information