tag:blogger.com,1999:blog-65513578522678845562024-02-19T00:31:32.183-08:00Dostal & Kirk Insurance & Financial ServicesDostal & Kirk is an independent insurance agency dating back to 1875. We have offices in Bucyrus, Galion and Powell, Ohio. Dostal & Kirk can service all of your personal insurance, commercial insurance, life insurance and financial services needs. Follow our blog to stay up to date on agency and industry news. Our Mission is to build client relationships that are based upon three fundamental principles: trust, value, and service.Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.comBlogger27125tag:blogger.com,1999:blog-6551357852267884556.post-73633073556117223882018-12-07T13:20:00.000-08:002018-12-07T13:20:32.144-08:00Protecting Your Valuables: The Two Step Solution<span style="font-family: Calibri;">It’s the holidays! And you bought that “special someone” a
certain piece of bling that they’ve been hinting at for the past year. What
happens if that item is lost or stolen? Do you have it insured properly?</span><br />
<br />
<div style="margin: 0px 0px 10.66px;">
<span style="font-family: Calibri;">On Homeowners and Renters Insurance policies you can
“schedule” or list out specific items to be covered. This applies to jewelry and
other items such as fine arts, antiques, even wine collections. If you don’t schedule
an item, the policy deductible will apply. After the deductible is satisfied,
then you have another problem – special limits of liability. Most Homeowners
and Renters Insurance policies have special limits on valuable articles such as
jewelry. For example, your $5K ring gets stolen. Let’s say you have a
Homeowners policy with a $1K deductible and a $1K special limit on jewelry: In
this case, the policy will only pay up to a $1K for that loss. </span><span style="font-family: Calibri;">So, here’s the solution:</span></div>
<br />
<div style="margin: 0px 0px 0px 48px; text-indent: -0.25in;">
<span style="margin: 0px;"><span style="margin: 0px;"><span style="font-family: Calibri;">1.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt "Times New Roman"; margin: 0px;">
</span></span></span><span style="font-family: Calibri;">Get an appraisal for any item you want listed.
An appraisal is so important because it provides the value of the item and will
assist the insurance company in the event of a loss.</span><span style="font-family: Calibri;"> </span></div>
<br />
<div style="margin: 0px 0px 10.66px 48px; text-indent: -0.25in;">
<span style="margin: 0px;"><span style="margin: 0px;"><span style="font-family: Calibri;">2.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt "Times New Roman"; margin: 0px;">
</span></span></span><span style="font-family: Calibri;">Choose your deductible. Did you know that you
can have a zero-dollar deductible on scheduled items?<span style="margin: 0px;"> </span>Let’s go back to that $5K ring that was
stolen earlier. In this case, if it was scheduled with a zero-dollar
deductible, you can now recover the full appraised value of that item. As you
can see there is a BIG difference between “scheduling” and not scheduling. </span></div>
<span style="font-family: Calibri;">In our example, a difference of $4000!</span><span style="font-family: Calibri;"><br /></span><br />
<span style="font-family: Calibri;">The typical cost to schedule an item is $10 per thousand in
value. In this case scheduling the $5K ring would cost approximately $50 per
year. </span><br />
<br />
<div style="margin: 0px 0px 10.66px;">
<span style="font-family: Calibri;">So now that you know the facts, are your valuables insured
properly? Contact your agent if you have any questions. ~ Logan Kirk</span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjK10TXaAwcowcF6etvoQpnIL3p3YYjvbSWxwOBCTrtBkIUpyDfkmurolTT2VsMW7EhBri55DbdIqtlT-Or4uUVROK5Z0BSliK_59c40CnWbO2Qqa0jUq_wXX7uw6a3TOpwmx2K_o9pFF5p/s1600/LoganBlog.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><img border="0" data-original-height="989" data-original-width="822" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjK10TXaAwcowcF6etvoQpnIL3p3YYjvbSWxwOBCTrtBkIUpyDfkmurolTT2VsMW7EhBri55DbdIqtlT-Or4uUVROK5Z0BSliK_59c40CnWbO2Qqa0jUq_wXX7uw6a3TOpwmx2K_o9pFF5p/s200/LoganBlog.jpg" style="margin-left: auto; margin-right: auto;" width="165" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Logan Kirk, Insurance Advisor</td></tr>
</tbody></table>
</a></div>
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjK10TXaAwcowcF6etvoQpnIL3p3YYjvbSWxwOBCTrtBkIUpyDfkmurolTT2VsMW7EhBri55DbdIqtlT-Or4uUVROK5Z0BSliK_59c40CnWbO2Qqa0jUq_wXX7uw6a3TOpwmx2K_o9pFF5p/s1600/LoganBlog.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><br /></a></div>
<br />
<div style="margin: 0px 0px 10.66px;">
<span style="font-family: Calibri;"><br /></span></div>
<b></b><i></i><u></u><sub></sub><sup></sup><strike></strike><span style="font-family: Calibri;"></span>Dostal & Kirkhttp://www.blogger.com/profile/01871946069721303524noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-48226750018500414702018-09-19T18:08:00.000-07:002018-09-19T18:08:22.316-07:00Rental Car Insurance: 3 Facts You Didn’t Know<span style="font-family: Arial, Helvetica, sans-serif;">Have you ever rented a car and the agent asks you if you want to purchase their insurance? Are you confident in your answer? Here’s what you need to know…</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Accidents happen, unfortunately, and let’s say you have an accident while driving a rental car. Now what? There are three items you should keep in mind: personal liability, damage to the rental vehicle and loss of use. </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Item #1</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Personal Liability</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Liability Insurance protects you in the event that you cause an accident that results in injury or property damage. If you have auto liability insurance of your own in force, this would apply to your rental car, so you’re covered!</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Item # 2</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">The Vehicle</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> Most companies consider a rental vehicle to be a “substitute” for the one you usually drive, and so they would cover the actual loss of the vehicle, minus your deductible. For physical damage to apply to a rental you must carry physical damage coverage on at least one vehicle on your auto policy. You may find that accepting the rental company’s insurance could be a good choice because there is usually no deductible, and you would not have to turn in the claim to your own insurance.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Item # 3<br />Loss-of-Use </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Let’s say the rental car gets damaged. Loss-of-use is the rental company’s loss of revenue while the car is being repaired. Although your own auto insurance may cover the liability and physical damage, it may not pay for the loss-of-rental-income.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Some insurance companies will cover loss of use, but it is sometimes limited in terms of how much they will cover each day. Let’s say you rent a vehicle for $50 per day and your insurance company only provides coverage for $20 per day; you would be responsible for that $30 per day difference. <br /><br />Bonus Tip!<br />Did you know? Your credit card may provide coverage!<br /> If you have a credit card that offers travel rewards, check your benefits. Some cards will offer physical damage coverage and loss-of-use coverage if you booked the vehicle rental with that specific card. <br /><br />If you’re wondering what’s covered under your policy give us a call for a free review.</span><span style="font-family: inherit;"> </span><br />
<span style="font-family: inherit;">~ <b>Logan Kirk</b></span><br />
<div style="margin: 0px 0px 10.66px;">
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjK10TXaAwcowcF6etvoQpnIL3p3YYjvbSWxwOBCTrtBkIUpyDfkmurolTT2VsMW7EhBri55DbdIqtlT-Or4uUVROK5Z0BSliK_59c40CnWbO2Qqa0jUq_wXX7uw6a3TOpwmx2K_o9pFF5p/s1600/LoganBlog.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><span style="font-family: inherit;"><img border="0" data-original-height="989" data-original-width="822" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjK10TXaAwcowcF6etvoQpnIL3p3YYjvbSWxwOBCTrtBkIUpyDfkmurolTT2VsMW7EhBri55DbdIqtlT-Or4uUVROK5Z0BSliK_59c40CnWbO2Qqa0jUq_wXX7uw6a3TOpwmx2K_o9pFF5p/s200/LoganBlog.jpg" width="165" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: inherit;">Logan Kirk, Insurance Advisor</span></td></tr>
</tbody></table>
</div>
<div class="separator" style="clear: both; text-align: center;">
<span style="font-family: inherit;"></span><span style="font-family: inherit;"></span></div>
<br />
<b></b><i></i><u></u><sub></sub><sup></sup><strike></strike><span style="font-family: calibri;"></span><span style="font-family: inherit;"></span>Dostal & Kirkhttp://www.blogger.com/profile/01871946069721303524noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-73316585189972726402018-07-11T08:55:00.001-07:002018-07-11T08:55:57.314-07:00Is your business properly protected for an employment related lawsuit?<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
Even though
you are an honest and fair employer, one accusation of unfair employment
practices could cost you thousands of dollars. Charges ranging from age or sex discrimination to wrongful
termination, even unfounded charges, can hurt or destroy a business.</div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
Until
recently, only large businesses were able to affordably insure against the risk
of employment practices claims.<span style="mso-spacerun: yes;"> </span>Now employers of all sizes can insure against the risk.</div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
While
multi-million dollar jury awards against large corporations make the headlines,
thousands of small- and medium-size businesses experience difficult times.<span style="mso-spacerun: yes;"> </span>Answering a groundless complaint filed
with the Equal Employment Opportunity Commission can be costly to employers.</div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
Employers
face increased financial risk of potentially violating ever changing and
complex employment laws such as the Americans with Disabilities Act, the Civil
Rights Act of 1964, the Family and Medical Leave Act and the Age Discrimination
in Employment Act.<span style="mso-spacerun: yes;"> </span>Your directors,
managers, supervisors and employees may not fully understand the ins and outs
of these laws and may be unaware of new rulings and interpretations.</div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
Contact our
offices today to discuss affordable options to protect your business. ~ <b>Mike Dostal</b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
<b><br /></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
<o:p></o:p></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYWAYzF8_QkxcuPFK9KaSjwkq8Xc6usmtfodofB_ZMhtESQl5MAxt_T1IxzJTvfG6TKWdeBVKS0vm7wFkRy24fXwiHdIqrJvFzgZ8NyIw5TxpvX2tFJMDOT05IpoL2kLWQsNjuQqJ2zCZy/s1600/Mike.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1281" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYWAYzF8_QkxcuPFK9KaSjwkq8Xc6usmtfodofB_ZMhtESQl5MAxt_T1IxzJTvfG6TKWdeBVKS0vm7wFkRy24fXwiHdIqrJvFzgZ8NyIw5TxpvX2tFJMDOT05IpoL2kLWQsNjuQqJ2zCZy/s200/Mike.jpg" width="160" /></a></div>
Dostal & Kirkhttp://www.blogger.com/profile/01871946069721303524noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-8363882580704973332018-03-19T13:44:00.000-07:002018-07-11T09:08:41.999-07:00Facts about Renters Insurance<div class="MsoTitle">
<span style="font-family: inherit;">“What’s the point of renters insurance? I don’t own anything
of crazy value.” This response is a common misconception when it comes to how
the world views renters insurance.</span><br />
<span style="font-family: inherit;">Renters insurance is actually an essential (and inexpensive)
tool in properly protecting not only your “stuff”, but other things too.</span><br />
<ul>
<li><span style="font-family: inherit; text-indent: -0.25in;">Personal property- this is your “stuff”. Don’t
think you have a lot to protect? Take a second and mentally take a personal
property inventory, starting with the big-ticket items: your furniture,
clothing, kitchen items, electronics, etc. Clothing alone will add up quickly
when you add up all the items in your closet. Remember, when calculating your
inventory don’t think about what Plato’s Closet would pay if you were to box
everything up and take it in; think about how much you paid for the items </span><i style="font-family: inherit; text-indent: -0.25in;">new.</i></li>
<li><span style="font-family: inherit; text-indent: -0.25in;">Personal liability- this is protection against
any liability or lawsuits filed against you. This could be something as simple
as one of your friends injuring themselves while at your place for a party or
your dog biting somebody.</span></li>
<li><span style="font-family: inherit; text-indent: -0.25in;">Loss of use- this covers temporary living
expenses (lodging, food, etc.) when your place of residence is uninhabitable. An
example would be pipes freeze and burst causing water damage to your unit. You
have to vacate your place while a restoration company comes in to mitigate the
water, a plumber repairs the pipes, etc. Renters insurance pays for your
reasonable living expenses while you do not have access to your residence.</span></li>
<li><span style="font-family: inherit; text-indent: -0.25in;">Valuable articles- thinking of taking it to the
next level with your significant other and purchasing some jewelry? Renters
insurance can cover this by “scheduling” it. Doing so can guarantee the value
of the item in the event of a loss. Be sure to ask your agent to ensure that it
is covered for theft and mysterious disappearance (losing it), the two most
common valuable article losses.</span></li>
</ul>
<span style="font-family: inherit;">Other important things to consider:</span><br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<ul>
<li><span style="font-family: inherit; text-indent: -0.25in;">Living with a significant other, sibling or
friend? Did you know that anyone living in the same residence can share a
renter’s policy? This <div class="separator" style="clear: both; text-align: center;">
</div>
will likely provide cost savings versus having separate
policies.</span></li>
<li><span style="font-family: inherit; text-indent: -0.25in;">If bundled with the same company, having
renter’s insurance can provide a discount on your auto insurance and
vise-versa. Win-win!</span></li>
</ul>
<span style="font-family: inherit;">As you can see, renters insurance provides a range of
coverages for a reasonable premium (the average premium is only about $10 per
month!). As you set yourself up with a plan for financial success be sure that
renters insurance is part of it. ~ </span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Logan Kirk</span></b></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3bDhBIAS8uwNwbu1NR-PUq3h-d6tcyZlOs2yN-gbGMl1hokYkg2_LAc2lEklrfSJStVHaqKS-CtSzakcgcoK94qItNu0OTjldmLXvr6TwkbScK4ExOX0iDDl1cdYLhRhVG1mK3FZPo1B1/s1600/LoganBlog.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" data-original-height="989" data-original-width="822" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3bDhBIAS8uwNwbu1NR-PUq3h-d6tcyZlOs2yN-gbGMl1hokYkg2_LAc2lEklrfSJStVHaqKS-CtSzakcgcoK94qItNu0OTjldmLXvr6TwkbScK4ExOX0iDDl1cdYLhRhVG1mK3FZPo1B1/s200/LoganBlog.jpg" width="166" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Logan Kirk</td></tr>
</tbody></table>
</span><o:p></o:p></b></div>
Dostal & Kirkhttp://www.blogger.com/profile/01871946069721303524noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-38573281425511783262016-08-02T09:35:00.002-07:002016-08-02T09:35:28.567-07:00Our Team<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixADNuBsFWPuO_QGwmtoIJXImInjtxdAaEwCWHsxH-d82rdXkQlfY05LJsKGjwo0JtJqAb1YPlqL7ESuwnaTu1fdRrGTTE16g2L44tfQuPK9SsFs-aZ2mFyL9zA52t2Cmzs3Yl2ExTQUYK/s1600/Group+Photo.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixADNuBsFWPuO_QGwmtoIJXImInjtxdAaEwCWHsxH-d82rdXkQlfY05LJsKGjwo0JtJqAb1YPlqL7ESuwnaTu1fdRrGTTE16g2L44tfQuPK9SsFs-aZ2mFyL9zA52t2Cmzs3Yl2ExTQUYK/s320/Group+Photo.JPG" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div align="left" class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
<span style="color: white;">Our most recent team photo! </span></div>
<div class="separator" style="clear: both; text-align: left;">
<span style="color: white;"><br /></span></div>
<div class="separator" style="clear: both; text-align: left;">
<span style="color: white;">Back row (left to right): Steve Devlin, Logan Kirk, Jeff Kirk, Mike Dostal, Dave Dostal, Denise Livingston</span></div>
<div class="separator" style="clear: both; text-align: left;">
<span style="color: white;"><br /></span></div>
<div class="separator" style="clear: both; text-align: left;">
<span style="color: white;">Front row (left to right): Carissa Chester, Megan Rowlinson, Heather Evans, Diana Adelman</span></div>
<br />Anonymoushttp://www.blogger.com/profile/11436898688555018313noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-31304093769123360012016-07-12T07:44:00.003-07:002016-07-12T07:44:41.076-07:00Our newest team member, Logan Kirk
<br /><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLqn9Wxq0ABgv_BpvqsAHwFHk4URc_W1he8jBTMi626QQlSXIgNd9i1xltHCBzTficBiw3wavJ2l1w81KEMwgAM0gK0q_VYhEFShv8sZp7vfnL7YT9b9UuWyTGC-NwG1vBIQR5LQ-WQctY/s1600/Logan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLqn9Wxq0ABgv_BpvqsAHwFHk4URc_W1he8jBTMi626QQlSXIgNd9i1xltHCBzTficBiw3wavJ2l1w81KEMwgAM0gK0q_VYhEFShv8sZp7vfnL7YT9b9UuWyTGC-NwG1vBIQR5LQ-WQctY/s200/Logan.jpg" width="160" /></a></div>
<div style="border-image: none; margin: 0in 0in 10pt;">
<span style="font-family: Calibri;"><br /></span></div>
<div style="border-image: none; margin: 0in 0in 10pt;">
<span style="color: white; font-family: Calibri;">Logan joined the agency in 2016. He grew up in Shelby where
he graduated from Shelby High School in 2010. He went on to receive a Bachelor
of Science in Entrepreneurship from the Farmer School of Business at Miami
University.<br />
<br />
After graduating Miami in 2014, Logan completed a 2-year fellowship with the
Ohio Mutual Insurance Group in Bucyrus. This provided him extensive exposure to
underwriting in personal, farm and business lines as well as claims and loss
control practices. At the agency he specializes in new business production for
personal, business and farm insurance lines. Logan holds the Associate in
General Insurance (AINS) designation and is currently pursuing his CPCU
designation.<br />
<br />
Logan is involved in various groups in the communities he works and lives
including Crawford County Young Professionals, Columbus Young Professionals,
Short North Running Club and St. Christopher Catholic Church of Grandview. In
addition to community involvement he operates a side auto detailing business, a
venture he started at age 14.<br />
<br />
Logan resides in the Grandview neighborhood of Columbus. He enjoys running,
travel, cars and spending time with friends and family.<br />
<br />
Contact Logan at:<br />
Email: </span><a href="mailto:lkirk@dostalkirk.com"><span style="color: white; font-family: Calibri;">lkirk@dostalkirk.com</span></a></div>
<br />Anonymoushttp://www.blogger.com/profile/11436898688555018313noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-46573750638918194652016-02-10T08:58:00.002-08:002016-02-10T08:58:15.120-08:00Do you know the facts?10 Reasons <i>Not</i> to Buy Disability Income Insurance<br />
<br />
You may have your reasons for not buying individual disability income insurance (DI). But do you know the facts?<br />
<br />
10. Social Security will take care of me.<br />
<b> Fact:</b> For those who do qualify, the current average monthly benefit is only $1,191. (1)<br />
<br />
9. It won't happen to me-- I expect to stay healthy.<br />
<b>Fact:</b> One in four of today's 20-year-olds will become disabled before reaching age 67. (2)<br />
<br />
8. It costs too much.<br />
<b> Fact:</b> The average annual cost is typically only 1 to 3 percent of what you earn.<br />
<br />
7. My Financial needs change so fast. What policy could keep up?<br />
<b>Fact:</b> A DI policy from Principal Life Insurance Company is flexible. You can change it as needed.<br />
<br />
6. I want a policy that keeps pace with my income-- without medical underwriting.<br />
<b> Fact:</b> Principal Life offers riders that allow you to increase your coverage without providing evidence of medical insurability. <br />
<br />
5. I have coverage through my employer.<br />
<b> Fact:</b> Group disability insurance typically covers 60 percent of gross income, and benefits<br />
are usually taxable. Can you afford more than a 40 percent pay cut?<br />
<br />
4. I would have to be totally disabled to receive benefits.<br />
<b>Fact:</b> There are ways to protect your income in the event of a partial disability.<br />
<br />
3. My family and friends will help me.<br />
<b>Fact:</b> Are your loved ones in a position to support you? Do you want them to?<br />
<br />
2. I can always buy coverage later.<br />
<b>Fact:</b> People usually don't get healthier as they grow older, and coverage will cost more. <br />
<br />
1. I can rely on my savings.<br />
<b>Fact:</b> Even if you save 10 percent of your salary, one year of disability could easily wipe<br />
out many years of savings.<br />
<br />
Please contact us today to discuss the importance of disability income insurance, and how we can help create a customized plan to fit your needs and budget.<br />
<br />
<span style="font-size: xx-small;">(1) Social Security Administration, January 2013.</span><br />
<span style="font-size: xx-small;">(2) Social Security Administration, Fact Sheet February 2013.</span><br />
<span style="font-size: xx-small;"><br /></span>
<br />
<div style="background-color: white;">
<span style="font-size: xx-small;">Principal Financial Group</span></div>
<div style="background-color: white;">
<div>
<span style="font-size: xx-small;">WE'LL GIVE YOU AN EDGE®</span></div>
<div>
<span style="font-size: xx-small;">Principal Life Insurance Company, Des Moines, Iowa 50392</span></div>
<div>
<span style="font-size: xx-small;">www.principal.com</span></div>
<div>
<span style="font-size: xx-small;">Disability income insurance has limitations and exclusions.</span></div>
<div>
<span style="font-size: xx-small;">For costs and complete details of coverage, contact your</span></div>
<div>
<span style="font-size: xx-small;">Principal Life financial representative.</span></div>
</div>
<br />Anonymoushttp://www.blogger.com/profile/11436898688555018313noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-78160610323558803362016-02-04T07:13:00.001-08:002016-02-04T07:13:30.602-08:00Umbrella insurance: a business necessity<span style="color: white;">By: Mike Mirizzi</span><br />
<span style="color: white;">The Cincinnati Insurance Companies</span><br />
<span style="color: white;"><br /></span>
<span style="color: white;">There is a misconception that only large companies or corporations need umbrella insurance, that the coverage is expensive and may be unnecessary. On the contrary, an umbrella policy is a vital piece of coverage that can protect you and your business from losses that exceed your primary policy limits.</span><br />
<span style="color: white;"><br /></span>
<span style="color: white;">The truth is you don't have to have a million dollars to be sued for a million dollars. It can happen quickly, and your livelihood could be greatly affected.</span><br />
<span style="color: white;"><br /></span>
<span style="color: white;">Costs for an automobile accident with property damage or serious injuries to multiple people could easily exceed a standard insurance policy limit, leaving you or your business to pay out of pocket if you are found to be legally liable. Injuries due to work you performed or because of a product you distributed or manufactured also could result in lawsuits that could put your business in jeopardy and potentially your personal assets as well.</span><br />
<span style="color: white;"><br /></span>
<span style="color: white;">An umbrella policy provides limits in excess of your primary liability policies and adds that extra layer of protection and peace of mind. The value in this "extra" layer of protection does not stop there. Not all umbrella policies are the same. Ask your independent insurance agent to place your insurance with a company whose policy provides:</span><br />
<br />
<ul>
<li><span style="color: white;"><b>No self-insured retention (similar to a deductible). </b>Some insurance companies may require you to retain liability and pay the first $10,000, $15,000 or sometimes $25,000 for specific claims covered by the umbrella that were not covered by the primary liability policies. Ask your agent for a policy that eliminates this requirement.<br /><br /></span></li>
<li><span style="color: white;"><b>Unlimited defense payments. </b>Some umbrella policies offer you <i style="font-weight: bold;">true</i> unlimited defense payments when your primary liability policy limits have been exhausted.<br /><br /></span></li>
<li><span style="color: white;"><b>Coverage for items not covered in your underlying policy. </b>Some umbrellas will provide "first dollar drop down" coverages for specific situations, meaning that if your underlying primary policies do not cover a loss, your umbrella might. </span></li>
</ul>
<br />
<span style="color: white;">Look for an insurer that can provide an umbrella policy with your commercial insurance package. Having all your insurance with one company, in one package, is easier to manage.</span><br />
<span style="color: white;"><br /></span>
<span style="color: white;">Additionally, an umbrella policy may help your company have a competitive advantage when bidding on a contract as you will already have the required "extra" insurance in place.</span><br />
<span style="color: white;"><br /></span>
<span style="color: white;">Managing these liability exposures makes financial sense, no matter how big or small your business.</span><br />
<span style="color: white;"><br /></span>
<span style="color: white;">Not all umbrella policies are the same. Please contact us today to explore coverages and options available to you.</span><br />
<br />Anonymoushttp://www.blogger.com/profile/11436898688555018313noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-37940027782646375762015-06-24T12:45:00.000-07:002015-06-24T13:14:06.856-07:00<br />
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span class="Body"><b style="mso-bidi-font-weight: normal;"><span style="color: windowtext; font-size: 16pt; line-height: 120%;"><span style="font-family: Arial;"><span style="color: #fff2cc;">The bottom line on homeowners insurance and rates<o:p></o:p></span></span></span></b></span></div>
<br />
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span class="Body"><span style="font-size: 10pt; line-height: 120%;"><o:p><span style="font-family: Arial;"> </span></o:p></span></span><span style="color: white;"><span style="font-family: "Arial","sans-serif"; font-size: 10.5pt; letter-spacing: -0.1pt; line-height: 120%;">Do you
know why insurance premiums are rising? Insurance companies use past events to
predict future risk, and risk is shared. What that means is whether disaster
strikes in Ohio or another state, insurers use pooled premiums to pay claims
that help customers recover. </span><span style="font-family: "Arial","sans-serif"; font-size: 10.5pt; line-height: 120%;">In essence, the catastrophic damage
caused by more frequent severe weather in recent years has caught up with us. <o:p></o:p></span></span></div>
<br />
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.5pt; line-height: 120%;"><o:p> </o:p></span><span style="color: white;"><b><span style="font-family: "Arial","sans-serif";">What you can do</span></b><b><span style="color: #b5494c; font-family: "Arial","sans-serif"; font-size: 10.5pt; line-height: 120%;"><o:p></o:p></span></b></span></div>
<span style="color: white;">
</span><br />
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="color: white;"><span style="font-family: "Arial","sans-serif"; font-size: 10.5pt; letter-spacing: -0.1pt; line-height: 120%;">Understanding
what coverage you have and why will help you control costs. The right coverage
will mean the difference between devastation and recovery. Call us for clarity
and ask how these tips might apply to you. </span><span style="font-family: "Arial","sans-serif"; font-size: 10.5pt; line-height: 120%;"><o:p></o:p></span></span></div>
<span style="color: white;">
</span><br />
<span style="color: white;">
</span><br />
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: Arial;"><span style="color: white;"><span class="Body"><b><span style="font-size: 11pt; line-height: 120%;">Ways to help control your rates</span></b></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><o:p></o:p></span></span></span></span></div>
<span style="color: white;">
</span><br />
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 0.5in; mso-hyphenate: none; mso-list: l2 level1 lfo2; text-indent: -0.25in;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">You could opt for higher deductibles, but do so only
if you can easily pay that amount if you need to file a claim.</span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 0.5in; mso-hyphenate: none; mso-list: l2 level1 lfo2; text-indent: -0.25in;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Consider the impact of replacement cost insurance
versus actual cash value. Replacement insurance, while more expensive, covers
the full cost of replacement. Actual cash value coverage (standard on most
policies) pays the depreciated cost of the insured items.</span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 0.5in; mso-hyphenate: none; mso-list: l2 level1 lfo2; text-indent: -0.25in;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Carefully decide whether to submit a claim. If you
will only get a couple hundred back after the deductible is met, you may want
to pay out of pocket. Filing a claim may affect your premium. </span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 0.5in; mso-hyphenate: none; mso-list: l2 level1 lfo2; text-indent: -0.25in;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Regularly review your policy with us to ensure you get
the discounts you are entitled to and that you have the right endorsements.</span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 0.5in; mso-hyphenate: none; mso-list: l2 level1 lfo2; text-indent: -0.25in;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Understand that your credit score, claims history, and
age/condition of your home will impact your rates.<o:p></o:p></span></span></span></span></div>
<span style="color: white;">
</span><br />
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><o:p><span style="color: white; font-family: Arial;"> </span></o:p></span></span></div>
<span style="color: white;">
</span><br />
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="color: white;"><span style="font-family: Arial;"><span class="Body"><b><span style="font-size: 11pt; line-height: 120%;">How to </span></b></span><b><span style="font-family: "Arial","sans-serif"; font-size: 11pt; line-height: 120%;">reduce
the potential for a homeowners claim </span></b></span><span style="font-family: "Arial","sans-serif"; font-size: 10.5pt; line-height: 120%;"><o:p></o:p></span></span></div>
<span style="color: white;">
</span><br />
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 42pt; mso-hyphenate: none; mso-list: l0 level1 lfo3; text-indent: -24pt;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Perform regular maintenance to your home and make
improvements</span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 42pt; mso-hyphenate: none; mso-list: l0 level1 lfo3; text-indent: -24pt;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Use working smoke detectors</span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 42pt; mso-hyphenate: none; mso-list: l0 level1 lfo3; text-indent: -24pt;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Clean your gutters and trim tree limbs away from your
home</span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 42pt; mso-hyphenate: none; mso-list: l0 level1 lfo3; text-indent: -24pt;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">When going out of town, turn off your water line</span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 42pt; mso-hyphenate: none; mso-list: l0 level1 lfo3; text-indent: -24pt;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Inspect your sump pump, and clear debris near external
drains</span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 42pt; mso-hyphenate: none; mso-list: l0 level1 lfo3; text-indent: -24pt;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Replace the hoses on your washing machines every five
years<o:p></o:p></span></span></span></span></div>
<span style="color: white;">
<span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><o:p><span style="font-family: Arial;"> </span></o:p></span></span></span><br />
<span style="color: white;">
</span><br />
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: Arial;"><span style="color: white;"><span class="Body"><b><span style="font-size: 11pt; line-height: 120%;">What’s not covered by homeowners’
insurance?</span></b></span><span class="Body"><b><span style="font-size: 10.5pt; line-height: 120%;"> <o:p></o:p></span></b></span></span></span></div>
<span style="color: white;">
</span><br />
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="color: white; font-family: Arial;">Policies differ, but typical
exclusions include damage from: </span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 42pt; mso-hyphenate: none; mso-list: l1 level1 lfo1; text-indent: -0.25in;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Earthquakes</span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 42pt; mso-hyphenate: none; mso-list: l1 level1 lfo1; text-indent: -0.25in;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Flooding or water damage caused by sewer backup or
basement leak</span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 42pt; mso-hyphenate: none; mso-list: l1 level1 lfo1; text-indent: -0.25in;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Power failure originating off your premises</span></span></span></span></div>
<div class="NoParagraphStyle" style="margin: 0in 0in 0pt 42pt; mso-hyphenate: none; mso-list: l1 level1 lfo1; text-indent: -0.25in;">
<span style="color: white;"><span class="Body"><span style="font-family: Symbol; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span></span><span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><span style="font-family: Arial;">Collapse<o:p></o:p></span></span></span></span></div>
<span style="color: white;">
<span class="Body"><span style="font-size: 10.5pt; line-height: 120%;"><o:p><span style="font-family: Arial;"> </span></o:p></span></span></span><br />
<span style="color: white;">
</span><br />
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.5pt; line-height: 120%;"><span style="color: white;">With homeowners rates
rising, it’s important to have a policy that fits your needs. Call us to ask
questions, make adjustments and gain peace of mind.</span></span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10.5pt; line-height: 120%;"><span style="font-family: Times New Roman; font-size: small;">
</span></span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10.5pt; line-height: 120%;"></span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10.5pt; line-height: 120%;"><div class="MsoNormal" style="background: white; line-height: normal; margin: 0in 0.15in 0pt 9pt;">
<i style="mso-bidi-font-style: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";"><span style="background-color: white; color: white;">This information brought to you by Dostal & Kirk, Inc., a proud
member of Professional Independent Agents Association of Ohio, Inc.</span></span></i></div>
<span style="font-family: Times New Roman; font-size: small;">
</span></span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10.5pt; line-height: 120%;"><span style="color: white;"><span class="Body"><span style="line-height: 120%; mso-ansi-font-size: 10.5pt; mso-bidi-font-size: 10.5pt;"><o:p></o:p></span></span></span></span> </div>
Anonymoushttp://www.blogger.com/profile/11436898688555018313noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-66407806254651221452015-04-16T07:18:00.000-07:002015-04-16T07:18:30.591-07:00What to know before you shop for a car
<br />
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span class="Body"><b><span style="color: #0067b1; font-family: "Calibri","sans-serif"; font-size: 11pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">What “options” are you legally
required to buy?</span></span></b></span></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none; tab-stops: 196.0pt;">
<span style="color: white;"><span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Corbel;">Confused about what is and isn’t required when
buying or leasing a vehicle? Ohio law requires drivers to meet financial
responsibility requirements, which can be done by purchasing liability
insurance. In addition, when leasing or financing a vehicle, those contracts
require you to have physical damage insurance coverage.<span style="letter-spacing: -0.1pt;"> <span style="mso-spacerun: yes;"> </span></span></span><span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; letter-spacing: -0.1pt; line-height: 120%; mso-bidi-font-family: Corbel;"><o:p> </o:p></span></span></div>
<span style="color: white;">
</span><br />
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none; tab-stops: 196.0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">Beyond that, here are answers to common questions
asked about dealer options.*</span><span style="mso-spacerun: yes;"> </span></span></div>
<br />
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<b><span style="color: #0067b1; font-family: "Calibri","sans-serif"; font-size: 11pt; letter-spacing: -0.1pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">Is my “new” car automatically
covered by my current auto insurance policy?</span> </span></b></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="color: white;"><span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; letter-spacing: -0.1pt; line-height: 120%; mso-bidi-font-family: Corbel;">Usually yes, but the length of time coverage is provided
on a newly acquired auto (typically 4 to 14 days**) varies based on the types
of coverage and whether the vehicle is a replacement or additional vehicle. To
be safe, call us about your policy. </span><span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; letter-spacing: -0.1pt; line-height: 120%; mso-bidi-font-family: Corbel;"><o:p> </o:p></span></span></div>
<span style="color: white;">
</span><br />
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">A
newly acquired auto will receive the broadest coverage provided for vehicles
already on the policy. However, if your current policy does not have Collision
or Other Than Collision coverage, the automatic extension of these coverages to
the new auto is usually limited to 4 days.** Though not legally required, you
may want to take your insurance policy or ID card with you.</span> </span></div>
<br />
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<b><span style="color: #0067b1; font-family: "Calibri","sans-serif"; font-size: 11pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">What about loan/lease GAP insurance?</span></span></b></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">In
an accident, your auto policy pays you the current market value of the car, but
you could still owe much more to the finance company. That gap, or amount you
still owe, is covered by loan lease Guaranteed Auto Protection (GAP) insurance.
Though not legally required, some new car leases have GAP coverage built into
the contract. <span style="letter-spacing: -0.1pt; mso-font-width: 97%;">Ask the
dealer if you have the option of deleting the </span><span style="mso-font-width: 97%;">coverage from the lease and purchasing it </span>as an endorsement to your
existing auto insurance. Doing so could save you a few dollars to a couple hundred
dollars. We can get you estimates now.</span> </span></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Corbel;"></span> </div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<b><span style="color: #0067b1; font-family: "Calibri","sans-serif"; font-size: 11pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">Is an extended warranty mandatory?</span></span></b></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">No,
and you don’t have to buy an extended warranty before you leave the dealer. A
warranty may not be necessary for you, so call us. But if you are intent on
getting a warranty, know that purchasing from the dealer is not your only
option.</span><span style="mso-spacerun: yes;"> </span></span></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="mso-spacerun: yes;"></span></span> </div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
</div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<b><span style="color: #0067b1; font-family: "Calibri","sans-serif"; font-size: 11pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">What about credit life and disability?</span></span></b></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">Credit
life and disability policies sold by auto dealers are not required. They
protect the lender if you cannot make monthly payments due to death or
disability. You are insuring the unpaid balance of the loan. If that’s all you
need, the dealer’s policy will suffice. However, it may be wiser to use that
money to increase coverage on your own life or disability policy instead of
tying it to the lease or purchase of a vehicle. </span></span></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Corbel;"></span> </div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
</div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<b><span style="color: #0067b1; font-family: "Calibri","sans-serif"; font-size: 11pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">Our advice</span></span></b></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: "Calibri","sans-serif"; font-size: 10.5pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">Before
you car</span> <span style="color: white;">shop, call us. We’ll help you get prepared and informed so you don’t
end up paying extra for something you neither want nor need. </span></span><i><span style="font-family: "Calibri","sans-serif"; font-size: 8pt; line-height: 120%; mso-bidi-font-family: Corbel;"><o:p><span style="color: white;"> </span></o:p></span></i></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="color: white;">
</span></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt 9pt; mso-hyphenate: none; text-indent: -9pt;">
<i><span style="font-family: "Calibri","sans-serif"; font-size: 10pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">*<span style="mso-spacerun: yes;"> </span>Many of
these same principles apply for purchasing a boat, RV, travel trailer or
motorcycle.<o:p></o:p></span></span></i></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="color: white;">
</span></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt 9pt; mso-hyphenate: none; text-indent: -9pt;">
<i><span style="font-family: "Calibri","sans-serif"; font-size: 10pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;">** Information from Insurance Services Office,
Personal Auto Policy, 2005 edition.</span></span></i></div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt 9pt; mso-hyphenate: none; text-indent: -9pt;">
<i><span style="font-family: "Calibri","sans-serif"; font-size: 10pt; line-height: 120%; mso-bidi-font-family: Corbel;"><span style="color: white;"></span></span></i> </div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt 9pt; mso-hyphenate: none; text-indent: -9pt;">
<i><span style="font-family: "Calibri","sans-serif"; font-size: 10pt; line-height: 120%; mso-bidi-font-family: Corbel;"></span></i> </div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: "Arial","sans-serif"; font-size: 9pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><em><span style="color: white;">This information brought to you by Dostal & Kirk, Inc., a proud member of Professional Independent Agents Association of Ohio,
Inc. </span></em></span></div>
<div class="MsoNormal" style="background: white; margin: 0in 0.15in 0pt 0.25in;">
<span style="color: black; font-family: Times New Roman; font-size: small;"></span> </div>
<div class="BasicParagraph" style="margin: 0in 0in 0pt; mso-hyphenate: none;">
<span style="font-family: Times New Roman; font-size: small;">
</span></div>
Anonymoushttp://www.blogger.com/profile/11436898688555018313noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-85396705296342257502015-02-19T05:37:00.001-08:002015-02-19T05:37:14.954-08:00How ‘spending 15 minutes or less’ on insurance can HURT you<div class="NoParagraphStyle">
<span style="font-family: Arial, sans-serif; font-size: 9.5pt;">Almost
60 percent of consumers who purchased insurance through a direct insurer
(promising lower prices) 10 years ago or more said they switched back to an
independent insurance agent, according to a </span><span style="font-family: Arial, sans-serif; font-size: 10pt;">2013 study
conducted by InsightExpress, an independent marketing research firm.</span></div>
<div class="NoParagraphStyle">
<br /></div>
<div class="NoParagraphStyle">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;">Why? They wanted: <o:p></o:p></span></div>
<div class="NoParagraphStyle" style="margin-left: 27.0pt; mso-hyphenate: none;">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;">-Someone
to guide them through the insurance purchasing process<o:p></o:p></span></div>
<div class="NoParagraphStyle" style="margin-left: 27.0pt; mso-hyphenate: none;">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;">-One
point of contact<o:p></o:p></span></div>
<div class="NoParagraphStyle" style="margin-left: 27pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt;">-Personal
advice from an experienced insurance professional.<o:p></o:p></span></div>
<div class="NoParagraphStyle" style="margin-bottom: 2.35pt; mso-hyphenate: none;">
<br /></div>
<div class="NoParagraphStyle">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;">What these consumers
described is what independent insurance agents do. We are business
professionals who have access to multiple insurance companies but represent
you. We know different insurers’ underwriting styles and the nuances of their
different policies. This broad background helps us give you sound advice specific
to your situation.<o:p></o:p></span></div>
<div class="NoParagraphStyle">
<br /></div>
<div class="NoParagraphStyle">
<b><span style="color: windowtext; font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;">Managing
your risks is key</span></b><span style="color: windowtext; font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;"><o:p></o:p></span></div>
<div class="NoParagraphStyle">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt;">Insurance is all about
managing your risks. We believe insurance should protect you and all your
assets, so we look at the big picture. We ask questions, explain different
kinds of coverage and how having or not having them could affect you. <o:p></o:p></span></div>
<div class="NoParagraphStyle">
<br /></div>
<div class="NoParagraphStyle">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt;">What you choose for
one type of coverage, like auto insurance, can impact all your assets – so we
shop around for the best prices and coverage to offer you a complete package. <o:p></o:p></span></div>
<div class="NoParagraphStyle">
<br /></div>
<div class="NoParagraphStyle">
<b><span style="color: windowtext; font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 120%;">What
can go wrong?</span></b><span style="color: windowtext; font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;"><o:p></o:p></span></div>
<div class="NoParagraphStyle">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;">Some competitors are
only interested in one piece of the puzzle. They entice you with a lower rate
on a single type of insurance, but less coverage. <o:p></o:p></span></div>
<div class="NoParagraphStyle">
<br /></div>
<div class="NoParagraphStyle">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt;">Looking at it
piecemeal instead of as an entire solution can lead to disaster. For example,
imagine you purchased lesser coverage through a company that took only 15
minutes to save you money on auto insurance. When you signed up, the rep didn’t
ask about the value of your home or tell you that your level of coverage should
involve looking at the value of your assets.<o:p></o:p></span></div>
<div class="NoParagraphStyle">
<br /></div>
<div class="NoParagraphStyle">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt;">Later, you cause a
horrible car accident. Your auto insurer writes a check that doesn’t cover the
victim’s expenses, and that ends the insurer’s obligation to you. The injured victim<span style="letter-spacing: -.1pt;"> sues you for $1 million. If your home is your biggest asset, you’ll
face losing it </span><i>and</i> your savings. <o:p></o:p></span></div>
<div class="NoParagraphStyle">
<br /></div>
<div class="NoParagraphStyle">
<b><span style="color: windowtext; font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;">How
an independent agent could have helped</span></b><span style="color: windowtext; font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;"><o:p></o:p></span></div>
<div class="NoParagraphStyle" style="margin-bottom: 2.35pt; mso-hyphenate: none;">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt; letter-spacing: -.1pt; line-height: 120%;">In that scenario, you didn’t have all the facts up front.
</span><span style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;">We
could have suggested umbrella coverage. But with a telephone or online quote,
this probably wasn’t an option. <o:p></o:p></span></div>
<div class="NoParagraphStyle">
<br /></div>
<div class="NoParagraphStyle">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt;">Our competitors are at
a disadvantage because they sell for a single insurance company and are limited
to the options offered by their employer. <o:p></o:p></span></div>
<div class="NoParagraphStyle">
<br /></div>
<div class="NoParagraphStyle">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt;">We don’t have those
constraints. And we’re here for you throughout the life of your policy. We
answer questions, handle issues and adjust coverage as needed. To file a claim,
you call us, not an 800 number. We are with you throughout the process.<o:p></o:p></span></div>
<div class="NoParagraphStyle">
<br /></div>
<div class="NoParagraphStyle">
<span style="font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 120%;">Bottom line, when
making insurance decisions, turn to the source you can trust. Turn to an
independent agent. <o:p></o:p></span></div>
<div class="NoParagraphStyle">
<br /></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph">
<br /></div>
<br />
<div class="BasicParagraph">
<b><span style="color: windowtext; font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 120%; mso-bidi-font-style: italic;">This information is brought to you
by a proud member of Professional Independent Agents Association of Ohio, Inc.</span><o:p></o:p></b></div>
Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-19125281929610180982015-02-10T09:31:00.000-08:002015-02-10T09:34:38.395-08:00<br />
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: white;"><b><span style="color: #fff2cc; font-family: "Arial Narrow","sans-serif"; font-size: 14pt;">Be Alert for Skimmers and Scammers!</span></b><span style="color: #660000; font-family: "Arial Narrow","sans-serif"; font-size: 14pt;"> <u5:p></u5:p></span><o:p></o:p></span></div>
<span style="color: white;">
</span><br />
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10pt;"><span style="color: white;">By: Mike Dockery & Matt Johnson</span></span></div>
<span style="color: white;">
</span><br />
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: white;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10pt;"><span style="color: white;">The Cincinnati Insurance Company</span></span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10pt;"> </span><o:p></o:p></span></div>
<span style="color: white;">
<u5:p></u5:p></span><span style="color: white;">
</span><br />
<div style="margin: 0in 0in 0pt;">
<span style="color: white;"><span style="color: black; font-size: 11pt;"><span style="color: white;">Before you swipe your bank card or credit card to make a payment
or complete a bank transaction, be alert for skimmer devices attached inside or
over the real card reader. Criminals use skimmers to capture the information
from the magnetic strip on credit or debit cards, gaining unauthorized access
to consumer </span><span style="color: white;">accounts.</span></span><span style="color: black; font-size: 11pt;"> <u5:p></u5:p></span><o:p></o:p></span></div>
<span style="color: white;">
</span><br />
<div style="margin: 0in 0in 0pt;">
<span style="color: white;"><span style="color: black; font-size: 11pt;"><span style="color: white;">Skimmers have become increasingly prevalent as they are easy to
put in place. The skimmer device fits right over or inside the real card
reader. When the card is swiped, it passes through the skimmer before going
into the real reader. Skimmers have popped up at bank drive-through ATMs, gas
stations and other businesses, especially in remote locations or places that
are difficult to monitor</span><span style="color: white;">.<u5:p></u5:p></span></span><o:p></o:p></span></div>
<span style="color: white;">
</span><br />
<div style="margin: 0in 0in 0pt;">
<span style="color: white;"><span style="background-color: #660000;"><span style="font-size: 11pt;">There are a few things you can do to make sure your account
information stays safe.<u5:p></u5:p></span><o:p></o:p></span></span></div>
<span style="color: white;">
</span><br />
<div style="margin: 0in 0in 0pt;">
<span style="color: black; font-size: 11pt;"><span style="color: white;"><br />
<strong>Look before you swipe </strong></span></span></div>
<span style="color: white;">
</span><br />
<div style="margin: 0in 0in 0pt;">
<span style="color: black; font-size: 11pt;"><span style="color: white;">Look for signs of tampering or bulkiness of the card reader you
are about to use. If it looks too thick, damaged, loose or just does not look
right, report it to the bank or business and use a different machine. Consumers
have even reported parts of skimmers coming off the ATM. </span><a href="http://r20.rs6.net/tn.jsp?e=001o4x7pEXtLdKF_t8oIw8i64Sbxy7ppcbjSFK7QwdYQz4i_7NsXoq0XUG8yTVBixw97n5HTmRq5VHaDGDqns9IDukPhRNd0I6zlseX_nUIR9kbn3OC5ZCvT4EBKA7-NtylW1M9gVJho8AURheFNYgMYjLthke_rJvh" target="_blank"><span style="color: black;"><span style="color: white;">The FBI</span></span></a><span style="color: white;"> offers additional
tips and illustrations of what to look for. If you see someone tampering with
or hanging around an ATM machine, report this information as soon as possible
to law enforcement or the bank or related business hosting the machine.
Sometimes criminals hang around machines to collect information via a Bluetooth
connection or wait for an opportunity to add a skimmer or make changes to a
machine.<u5:p></u5:p></span></span><o:p></o:p></div>
<span style="color: white;">
</span><span style="color: black; font-size: 11pt;"><br /><span style="color: white;">
<strong>Protect your chipped card </strong></span></span><br />
<span style="color: white;">
</span><br />
<div style="margin: 0in 0in 0pt;">
<span style="color: black; font-size: 11pt;"><span style="color: white;">Many newer credit cards have radio frequency identification (RFID)
chips. The chips use a wireless, electromagnetic field to transmit information
across short distances. Criminals use small remote skimmers that can be
concealed in a pocket to collect information from the RFID chip. With these
skimmers, the card need not be physically swiped to compromise the information.
The electronic pickpocket need only walk a few feet away from you to collect
information from the chip.</span></span></div>
<div style="margin: 0in 0in 0pt;">
<span style="color: black; font-size: 11pt;"><span style="color: white;">To prevent information theft, use a card carrier with a lined
casing to shield the signal from the card. The Massachusetts Office of Consumer
Affairs and Business Regulation put out a </span><a href="http://r20.rs6.net/tn.jsp?e=001o4x7pEXtLdKF_t8oIw8i64Sbxy7ppcbjSFK7QwdYQz4i_7NsXoq0XUG8yTVBixw97n5HTmRq5VFapfz1hea5NeZTyFM4VINsNJ_4kLHlc34M_DJV8Df87BOqO7hPBZd_Aj5nHQf77EA-6kDWhx6WOG-DrV2s415v" target="_blank"><span style="color: black;"><span style="color: white;">Consumer Alert</span></span></a><span style="color: white;"> describing
additional measures you can take, such as stacking several RFID-equipped cards
together.<u5:p></u5:p></span></span><o:p></o:p></div>
<span style="color: white;">
</span><br />
<div style="margin: 0in 0in 0pt;">
<span style="color: white;"><span style="color: black; font-size: 11pt;"><br />
<strong><span style="color: white;">What to do if you're hacked </span></strong></span></span><span style="color: white;"><span style="color: black; font-size: 11pt;"> <u5:p></u5:p></span><o:p></o:p></span></div>
<span style="color: white;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 11pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><span style="color: white;">If you do fall victim to a
skimmer or RFID scam, immediately report it to law enforcement, providing as
many details as possible. Contact the security department of your bank or the
retailer whose card was compromised. Close the account and put a fraud alert on
your credit file. Find additional information to protect your accounts on our </span><a href="http://r20.rs6.net/tn.jsp?e=001o4x7pEXtLdKF_t8oIw8i64Sbxy7ppcbjSFK7QwdYQz4i_7NsXoq0XUG8yTVBixw97n5HTmRq5VElxihMEj8yu2garXC_Gh0e79_qzmZoFfJontCnc0-Jek332_UVbGWxzTtm7aZ1zteDuV5c6dwxGBSWk7WfxPEOHwQP-iWWrywvoL9NTj4HIUV4Kv9Rhc8iieXZ6pzR8Ys_WT_rg6yMVn_dnXkrUD3D" target="_blank"><span style="color: black;"><span style="color: white;">identity theft prevention site</span></span></a><span style="color: white;">
and from the </span><a href="http://r20.rs6.net/tn.jsp?e=001o4x7pEXtLdKF_t8oIw8i64Sbxy7ppcbjSFK7QwdYQz4i_7NsXoq0XUG8yTVBixw97n5HTmRq5VG-e-P5L_Ceu-qwfcWqtT4_SNMWz3EHl1fm45MSAKMFzJ7sCOFjjGn5FQ8cKt83ooJF6qufMVf7h2kcVO3AU8bsfmcc_ALpRFUC2nyWDMz4QS0uVex5LgFa" target="_blank"><span style="color: black;"><span style="color: white;">Federal Trade Commission</span></span></a><span style="color: white;">.<u5:p></u5:p></span></span></span>Anonymoushttp://www.blogger.com/profile/11436898688555018313noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-32409682148252756812014-09-25T08:21:00.002-07:002014-09-25T08:23:00.427-07:00Insuring a rental vehicle: what do I really need?<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">Car rental insurance is something
many of us don’t think about until we get to the rental counter. There we often
just guess, wondering if we really need the coverage they offer. <o:p></o:p></span></span></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">Don’t leave your decisions to
guesswork. The truth is you probably <i>don’t</i> need everything they’re
selling. Here’s our advice.<o:p></o:p></span></span></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph" style="margin-bottom: 3pt;">
<span class="Body"><b><span style="color: #0067b1; font-size: 10.0pt;">Step 1. What coverage do you have?<o:p></o:p></span></b></span></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">Your first step is easy. Call us to
clarify what your auto insurance covers and whether it extends to a rental car,
truck or trailer. Just as important, ask what your policy <i>doesn’t</i> cover.
<o:p></o:p></span></span></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">Tell us if you plan to rent a vehicle
for vacation, business or moving things. Your existing coverage might be
adequate. Some personal auto policies don’t cover vacation rentals but do cover
rentals if your car is being repaired due to an accident. If you’re renting for
business, your employer’s policy might already cover you.<o:p></o:p></span></span></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">If you rent vehicles frequently,
consider a rental car endorsement. This could save you money over time.<o:p></o:p></span></span></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph" style="margin-bottom: 3pt;">
<span class="Body"><b><span style="color: #0067b1; font-size: 10.0pt;">Step 2. Know what to expect at the rental counter<o:p></o:p></span></b></span></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">Whether you’re renting a car, truck
or trailer, most rental companies will offer you a Collision Damage Waiver
(CDW) to cover collision damage to the rented vehicle. <o:p></o:p></span></span></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">CDW isn’t insurance. It’s a waiver
stating the rental company will waive the rental contract provision that makes
you liable for: <o:p></o:p></span></span></div>
<div class="BasicParagraph" style="margin-left: 22.5pt; text-indent: -13.5pt;">
<!--[if !supportLists]--><span class="Body"><span style="font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span></span><!--[endif]--><span class="Body"><span style="font-size: 10.0pt;">Losing or damaging the vehicle while
you are renting it, whether or not it’s your fault<o:p></o:p></span></span></div>
<div class="BasicParagraph" style="margin-left: 22.5pt; text-indent: -13.5pt;">
<!--[if !supportLists]--><span class="Body"><span style="font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span></span><!--[endif]--><span class="Body"><span style="font-size: 10.0pt;">The cost to repair or replace the vehicle<o:p></o:p></span></span></div>
<div class="BasicParagraph" style="margin-left: 22.5pt; text-indent: -13.5pt;">
<!--[if !supportLists]--><span class="Body"><span style="font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span></span><!--[endif]--><span class="Body"><span style="font-size: 10.0pt;">The loss of income to the rental
company while the rental vehicle is being repaired<o:p></o:p></span></span></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">If you say yes to CDW, the rental
company takes on your liability. The waiver can be voided under some
circumstances. Find out what they are. <o:p></o:p></span></span></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">If your personal comprehensive and
collision insurance cover a rental vehicle, the coverage handles only the cost
of damage or replacing the vehicle. It does not cover the income the rental
company lost while the vehicle was <span style="letter-spacing: -.1pt;">being
repaired – a cost you’d be expected to pay. When in doubt, ODI suggests you pay for CDW.</span><o:p></o:p></span></span></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">Some credit card companies offer
CDW-like coverage if you pay with their card. We advise calling the credit card
company for details, as offers vary and can be complex.<o:p></o:p></span></span></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">
<o:p></o:p></span></span></div>
<div class="BasicParagraph">
<span class="Body"><b><span style="font-size: 10.0pt;">Other types of insurance</span></b></span><span class="Body"><b><span style="color: #0067b1; font-size: 10.0pt;"><o:p></o:p></span></b></span></div>
<br />
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">The rental clerk will also offer
these coverages: <o:p></o:p></span></span></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;"><br /></span></span></div>
<div class="BasicParagraph" style="margin-left: 17pt; text-indent: -11pt;">
<span class="Body"><b><span style="font-size: 10.0pt;">Liability or Supplemental Liability Insurance. </span></b></span><span class="Body"><span style="font-size: 10.0pt;">Your personal auto policy probably
covers liability while driving a rental. Check with us. Ask if your liability
insurance applies if another family member drives the rental. <o:p></o:p></span></span></div>
<div class="BasicParagraph" style="margin-left: 17pt; text-indent: -11pt;">
<span class="Body"><b><span style="font-size: 10.0pt;">Personal Effects Insurance.</span></b></span><span class="Body"><span style="font-size: 10.0pt;"> PEI covers damages to or loss of
personal belongings in your rental car. Homeowners insurance might cover part
of this, but find out the amount covered, what belongings are excluded, and the
deductible. Then you can decide if you need PEI. <o:p></o:p></span></span></div>
<div class="BasicParagraph" style="margin-left: 17pt; text-indent: -11pt;">
<span class="Body"><b><span style="font-size: 10.0pt;">Personal Accident Insurance. </span></b></span><span class="Body"><span style="font-size: 10.0pt;">This covers medical and ambulatory
costs related to accidental injury or accidental death while renting the
vehicle. <o:p></o:p></span></span></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">For each type of insurance, ODI
requires the rental company to give you a factual brochure that explains the
insurer’s coverage, exclusions, limitations, provisions, how to file a claim
and more. Read this brochure before you decide. <o:p></o:p></span></span></div>
<div class="BasicParagraph">
<br /></div>
<div class="BasicParagraph">
<span class="Body"><span style="font-size: 10.0pt;">Gather these facts now, and you’ll be
able to step up to the rental counter with confidence.</span></span><br />
<span class="Body"><span style="font-size: 10.0pt;"><br /></span></span>
<span class="Body"><span style="font-size: 10.0pt;">This information is brought to you by Dostal & Kirk, Inc., a proud member of the Professional Independent Agents Association of Ohio, Inc.</span></span></div>
<div class="BasicParagraph">
<span class="Body">
</span></div>
<div class="BasicParagraph">
<br /></div>
Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-49375411196806095742014-05-13T07:52:00.003-07:002014-05-13T07:53:52.523-07:00Benefits of Safe Driving on Your Car Insurance Rates<div class="MsoBodyText" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.0pt; margin-right: 15.2pt; margin-top: 0in; text-indent: 0in;">
M<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.15pt;">s</span>t<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>f
us <span style="letter-spacing: -.15pt;">r</span>e<span style="letter-spacing: -.1pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">gn</span>i<span style="letter-spacing: -.05pt;">z</span>e
<span style="letter-spacing: -.05pt;">un</span>sa<span style="letter-spacing: -.15pt;">f</span>e <span style="letter-spacing: -.05pt;">d</span>rivi<span style="letter-spacing: -.05pt;">ng</span>. <span style="letter-spacing: -.1pt;">T</span>exti<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.15pt;"> </span>whi<span style="letter-spacing: -.05pt;">l</span>e <span style="letter-spacing: -.05pt;">d</span>r<span style="letter-spacing: -.15pt;">i</span>vi<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>is <span style="letter-spacing: -.05pt;">n</span>ot<span style="letter-spacing: .05pt;"> </span>sa<span style="letter-spacing: -.15pt;">f</span>e.
Eati<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.15pt;"> </span>whi<span style="letter-spacing: -.05pt;">l</span>e <span style="letter-spacing: -.05pt;">d</span>rivi<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>is <span style="letter-spacing: -.2pt;">n</span><span style="letter-spacing: .05pt;">o</span>t<span style="letter-spacing: -.1pt;"> </span>safe.
Read<span style="letter-spacing: -.05pt;">ing</span>, ap<span style="letter-spacing: -.1pt;">p</span>lyi<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.05pt;"> m</span>akeu<span style="letter-spacing: -.05pt;">p</span>,<span style="letter-spacing: -.15pt;"> </span>shavi<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>are<span style="letter-spacing: -.1pt;"> </span>not<span style="letter-spacing: -.1pt;"> </span>safe<span style="letter-spacing: -.1pt;"> </span>beh<span style="letter-spacing: -.05pt;">in</span>d<span style="letter-spacing: -.05pt;"> </span>t<span style="letter-spacing: -.05pt;">h</span>e w<span style="letter-spacing: -.15pt;">h</span>eel.<span style="letter-spacing: .1pt;"> </span>Tur<span style="letter-spacing: -.1pt;">n</span>i<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>a<span style="letter-spacing: -.15pt;">r</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">un</span>d<span style="letter-spacing: -.05pt;"> </span>and<span style="letter-spacing: -.1pt;"> </span>talki<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">t</span>o<span style="letter-spacing: .15pt;"> </span>the ki<span style="letter-spacing: -.05pt;">d</span>s in the b<span style="letter-spacing: -.15pt;">a</span>ck<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">s</span>eat is<span style="letter-spacing: -.15pt;">
</span>def<span style="letter-spacing: -.15pt;">i</span><span style="letter-spacing: -.05pt;">n</span>itely <span style="letter-spacing: -.15pt;">n</span><span style="letter-spacing: .05pt;">o</span>t <span style="letter-spacing: -.15pt;">s</span>afe.<span style="letter-spacing: -.15pt;"> </span>Dri<span style="letter-spacing: -.1pt;">n</span>ki<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>w<span style="letter-spacing: -.2pt;">h</span>i<span style="letter-spacing: -.05pt;">l</span>e
<span style="letter-spacing: -.05pt;">d</span>rivi<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>is <span style="letter-spacing: -.2pt;">n</span><span style="letter-spacing: .05pt;">o</span>t<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>ly<span style="letter-spacing: -.1pt;"> </span>u<span style="letter-spacing: -.05pt;">n</span>sa<span style="letter-spacing: -.15pt;">f</span>e,
it’s<span style="letter-spacing: -.15pt;"> </span>aga<span style="letter-spacing: -.1pt;">i</span><span style="letter-spacing: -.05pt;">n</span>st<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: -.15pt;">h</span>e<span style="letter-spacing: .2pt;"> </span>law.</div>
<div class="MsoNormal" style="line-height: 9.5pt; margin-top: .3pt; mso-line-height-rule: exactly;">
<br /></div>
<div class="MsoBodyText" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.0pt; margin-right: 22.5pt; margin-top: 0in; text-indent: 0in;">
C<span style="letter-spacing: -.1pt;">o</span>mm<span style="letter-spacing: -.15pt;">i</span>tti<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">t</span>o<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.15pt;">a</span>ve <span style="letter-spacing: -.05pt;">d</span>r<span style="letter-spacing: -.15pt;">i</span>vi<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: -.05pt;">h</span>a<span style="letter-spacing: -.05pt;">b</span>its can<span style="letter-spacing: -.05pt;">
</span>s<span style="letter-spacing: -.1pt;">a</span>ve<span style="letter-spacing: -.1pt;"> y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r li<span style="letter-spacing: -.05pt;">f</span>e
a<span style="letter-spacing: -.2pt;">n</span>d<span style="letter-spacing: -.05pt;">
</span>t<span style="letter-spacing: -.05pt;">h</span>e l<span style="letter-spacing: -.05pt;">i</span><span style="letter-spacing: -.1pt;">v</span>es<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>f<span style="letter-spacing: -.1pt;"> </span>y<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r<span style="letter-spacing: -.1pt;"> </span>fr<span style="letter-spacing: -.05pt;">i</span>en<span style="letter-spacing: -.1pt;">d</span>s
<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: -.05pt;">n</span>d<span style="letter-spacing: -.05pt;"> </span>l<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.1pt;">v</span>ed <span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.2pt;">n</span>es. A<span style="letter-spacing: -.05pt;">n</span>d
there<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: -.15pt;">r</span>e<span style="letter-spacing: -.1pt;"> </span>ma<span style="letter-spacing: -.05pt;">n</span>y<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>t<span style="letter-spacing: -.15pt;">h</span>er
<span style="letter-spacing: -.05pt;">b</span>en<span style="letter-spacing: -.15pt;">e</span>fits
<span style="letter-spacing: -.1pt;">t</span>o<span style="letter-spacing: .05pt;">
</span>sa<span style="letter-spacing: -.05pt;">f</span>e <span style="letter-spacing: -.05pt;">d</span>rivi<span style="letter-spacing: -.05pt;">n</span>g <span style="letter-spacing: -.1pt;">to</span><span style="letter-spacing: .05pt;">o</span>.</div>
<div class="MsoNormal" style="line-height: 9.5pt; margin-top: .5pt; mso-line-height-rule: exactly;">
<br /></div>
<h1>
Dr<span style="letter-spacing: -.1pt;">i</span>vi<span style="letter-spacing: -.2pt;">n</span>g <span style="letter-spacing: -.05pt;">S</span><span style="letter-spacing: -.1pt;">a</span>fe De<span style="letter-spacing: -.1pt;">d</span><span style="letter-spacing: -.05pt;">u</span><span style="letter-spacing: .05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.2pt;">b</span>le
A<span style="letter-spacing: -.15pt;">u</span>to<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">I</span><span style="letter-spacing: -.05pt;">n</span>s<span style="letter-spacing: -.05pt;">u</span>r<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: -.05pt;">n</span><span style="letter-spacing: .05pt;">c</span>e<span style="letter-spacing: -.1pt;"> </span>D<span style="letter-spacing: -.1pt;">i</span>s<span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">oun</span>ts<span style="font-weight: normal;"><o:p></o:p></span></h1>
<div class="MsoNormal" style="line-height: 11.0pt; margin-top: .9pt; mso-line-height-rule: exactly;">
<br /></div>
<div class="MsoBodyText" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.0pt; margin-right: 8.45pt; margin-top: 0in; text-indent: 0in;">
Ma<span style="letter-spacing: -.05pt;">n</span>y<span style="letter-spacing: .05pt;"> </span>i<span style="letter-spacing: -.1pt;">n</span>su<span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: -.05pt;">n</span><span style="letter-spacing: -.15pt;">c</span>e
<span style="letter-spacing: -.15pt;">c</span><span style="letter-spacing: -.1pt;">o</span>m<span style="letter-spacing: -.05pt;">p</span>a<span style="letter-spacing: -.05pt;">n</span>ies<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .1pt;">o</span>ffer<span style="letter-spacing: -.15pt;"> </span>dis<span style="letter-spacing: -.15pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">un</span>ts<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">t</span>o<span style="letter-spacing: .05pt;"> </span>dr<span style="letter-spacing: -.2pt;">i</span>vers<span style="letter-spacing: -.1pt;"> </span>who<span style="letter-spacing: -.1pt;"> </span>they<span style="letter-spacing: -.1pt;"> </span>c<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>si<span style="letter-spacing: -.2pt;">d</span>er
<span style="letter-spacing: .05pt; mso-bidi-font-family: Calibri;">“</span>safe <span style="letter-spacing: -.05pt;">d</span>r<span style="letter-spacing: -.2pt;">i</span>vers<span style="letter-spacing: -.15pt;">.</span>”<span style="letter-spacing: .05pt;"> </span>T<span style="letter-spacing: -.05pt;">h</span><span style="letter-spacing: -.1pt;">e</span>se<span style="letter-spacing: .05pt;"> </span>i<span style="letter-spacing: -.1pt;">n</span><span style="letter-spacing: -.15pt;">c</span>enti<span style="letter-spacing: -.1pt;">v</span>es for d<span style="letter-spacing: -.05pt;">r</span>iving<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">s</span>afe<span style="letter-spacing: -.1pt;"> </span>m<span style="letter-spacing: -.15pt;">a</span>y be a<span style="letter-spacing: -.15pt;">
</span><span style="letter-spacing: .05pt;">v</span><span style="letter-spacing: -.15pt;">a</span><span style="letter-spacing: -.05pt;">n</span>is<span style="letter-spacing: -.1pt;">h</span>i<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>ded<span style="letter-spacing: -.1pt;">u</span>ctib<span style="letter-spacing: -.05pt;">l</span>e <span style="letter-spacing: -.05pt;">d</span>isco<span style="letter-spacing: -.05pt;">un</span><span style="letter-spacing: -.1pt;">t</span>.<span style="letter-spacing: .1pt;"> </span>Depen<span style="letter-spacing: -.1pt;">d</span>i<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: .05pt;">o</span>n<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r d<span style="letter-spacing: -.05pt;">r</span>ivi<span style="letter-spacing: -.15pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>rec<span style="letter-spacing: .15pt;">o</span>r<span style="letter-spacing: -.05pt;">d</span>,<span style="letter-spacing: -.15pt;"> </span>t<span style="letter-spacing: -.05pt;">h</span>is
d<span style="letter-spacing: -.05pt;">i</span>s<span style="letter-spacing: -.15pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">un</span>t
may<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: -.05pt;">m</span>ean
that<span style="letter-spacing: -.15pt;"> </span>f<span style="letter-spacing: .05pt;">o</span>r<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.1pt;">e</span>ve<span style="letter-spacing: -.15pt;">r</span>y
<span style="letter-spacing: -.1pt;">y</span>ear <span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.15pt;">d</span>o<span style="letter-spacing: .05pt;"> </span>n<span style="letter-spacing: -.1pt;">o</span>t
fi<span style="letter-spacing: -.05pt;">l</span>e<span style="letter-spacing: -.1pt;"> </span>a car<span style="letter-spacing: -.1pt;"> </span>a<span style="letter-spacing: -.15pt;">c</span>ci<span style="letter-spacing: -.05pt;">d</span>ent
ins<span style="letter-spacing: -.1pt;">u</span>ra<span style="letter-spacing: -.1pt;">n</span>ce<span style="letter-spacing: -.05pt;"> </span>cla<span style="letter-spacing: -.05pt;">i</span><span style="letter-spacing: -.1pt;">m</span>,
<span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.2pt;">u</span>r de<span style="letter-spacing: -.05pt;">du</span>ctib<span style="letter-spacing: -.05pt;">l</span>e<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">is </span><span style="letter-spacing: -.05pt; mso-bidi-font-family: Calibri;">d</span>isco<span style="letter-spacing: -.05pt;">un</span>te<span style="letter-spacing: -.05pt;">d</span>.<span style="letter-spacing: -.15pt;"> </span>Let<span style="letter-spacing: -.15pt;">’</span>s
s<span style="letter-spacing: -.1pt;">a</span>y <span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.15pt;">h</span>ave a<span style="letter-spacing: -.15pt;">
</span><span style="letter-spacing: -.1pt;">$</span>5<span style="letter-spacing: -.1pt;">0</span>0 ded<span style="letter-spacing: -.1pt;">u</span><span style="letter-spacing: -.15pt;">c</span>ti<span style="letter-spacing: -.05pt;">b</span>le.
If<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span>file
<span style="letter-spacing: -.15pt;">n</span>o<span style="letter-spacing: .05pt;">
</span>cla<span style="letter-spacing: -.2pt;">i</span>ms<span style="letter-spacing: -.15pt;"> </span>f<span style="letter-spacing: .05pt;">o</span>r<span style="letter-spacing: -.15pt;"> </span>fi<span style="letter-spacing: -.1pt;">v</span>e
<span style="letter-spacing: -.1pt;">ye</span>ars a<span style="letter-spacing: -.05pt;">n</span>d<span style="letter-spacing: -.05pt;"> </span>have<span style="letter-spacing: -.1pt;"> </span>no acci<span style="letter-spacing: -.05pt;">d</span>ents,<span style="letter-spacing: -.1pt;"> y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r
de<span style="letter-spacing: -.05pt;">du</span>ctib<span style="letter-spacing: -.05pt;">l</span>e<span style="letter-spacing: -.2pt;"> </span>c<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>ld<span style="letter-spacing: -.05pt;"> </span>be <span style="letter-spacing: -.05pt;">d</span>is<span style="letter-spacing: -.15pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>nted<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.1pt;">t</span>o<span style="letter-spacing: .05pt;"> </span>ze<span style="letter-spacing: -.15pt;">r</span><span style="letter-spacing: .05pt;">o</span>.</div>
<div class="MsoNormal" style="line-height: 9.5pt; margin-top: .45pt; mso-line-height-rule: exactly;">
<br /></div>
<h1>
<span style="letter-spacing: -.1pt;">Sa</span>ve<span style="letter-spacing: -.05pt;"> </span>Dr<span style="letter-spacing: -.1pt;">i</span>vi<span style="letter-spacing: -.2pt;">n</span>g <span style="letter-spacing: .05pt;">C</span><span style="letter-spacing: -.05pt;">ou</span><span style="letter-spacing: -.1pt;">r</span>s<span style="letter-spacing: -.05pt;">e</span>s <span style="letter-spacing: -.05pt;">S</span><span style="letter-spacing: -.1pt;">a</span>ve<span style="letter-spacing: -.25pt;"> </span><span style="letter-spacing: -.05pt;">Mone</span>y a<span style="letter-spacing: -.1pt;">n</span>d<span style="letter-spacing: -.05pt;"> </span>Liv<span style="letter-spacing: -.05pt;">e</span>s<span style="font-weight: normal;"><o:p></o:p></span></h1>
<div class="MsoNormal" style="line-height: 11.0pt; margin-top: .9pt; mso-line-height-rule: exactly;">
<br /></div>
<div class="MsoBodyText" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.0pt; margin-right: 5.9pt; margin-top: 0in; text-indent: 0in;">
Taking<span style="letter-spacing: -.1pt;"> </span>a sa<span style="letter-spacing: -.15pt;">f</span>e
<span style="letter-spacing: -.05pt;">d</span>rivi<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.15pt;"> </span>c<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r<span style="letter-spacing: -.15pt;">s</span>e can<span style="letter-spacing: -.05pt;">
</span>help<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span>learn <span style="letter-spacing: -.2pt;">h</span><span style="letter-spacing: .05pt;">o</span>w <span style="letter-spacing: -.1pt;">t</span>o<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">i</span>m<span style="letter-spacing: -.05pt;">p</span>r<span style="letter-spacing: -.1pt;">o</span>ve<span style="letter-spacing: -.1pt;"> y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r d<span style="letter-spacing: -.05pt;">r</span>iving<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">s</span>kil<span style="letter-spacing: -.05pt;">l</span>s, sa<span style="letter-spacing: -.05pt;">v</span>e<span style="letter-spacing: -.1pt;"> </span>y<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r li<span style="letter-spacing: -.15pt;">f</span>e
a<span style="letter-spacing: -.05pt;">n</span>d<span style="letter-spacing: -.05pt;">
</span>help y<span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">b</span>tain<span style="letter-spacing: -.05pt;"> </span>a<span style="letter-spacing: -.1pt;"> </span>disco<span style="letter-spacing: -.05pt;">un</span>t<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>n<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r
i<span style="letter-spacing: -.05pt;">n</span>su<span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: -.05pt;">n</span>ce<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">p</span><span style="letter-spacing: -.15pt;">r</span>e<span style="letter-spacing: .05pt;">m</span>i<span style="letter-spacing: -.2pt;">u</span>m. In<span style="letter-spacing: -.15pt;"> </span>s<span style="letter-spacing: -.1pt;">o</span>me <span style="letter-spacing: -.15pt;">s</span>tat<span style="letter-spacing: -.1pt;">e</span>s if<span style="letter-spacing: -.1pt;"> </span>y<span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.15pt;"> </span>take<span style="letter-spacing: -.05pt;"> </span>a <span style="letter-spacing: -.2pt;">d</span>efe<span style="letter-spacing: -.05pt;">n</span>si<span style="letter-spacing: -.1pt;">v</span>e
<span style="letter-spacing: -.05pt;">d</span>r<span style="letter-spacing: .15pt;">i</span>vi<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: .05pt;">o</span>r <span style="letter-spacing: -.1pt;">s</span>afe
<span style="letter-spacing: -.05pt;">d</span>riv<span style="letter-spacing: .05pt;">e</span>r <span style="letter-spacing: -.1pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>rs<span style="letter-spacing: -.15pt;">e</span>, <span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>ld<span style="letter-spacing: -.05pt;"> </span>g<span style="letter-spacing: -.15pt;">e</span>t <span style="letter-spacing: -.05pt;">u</span>p<span style="letter-spacing: -.05pt;"> </span>to<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">1</span>0%<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>ff<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r i<span style="letter-spacing: -.05pt;">n</span>su<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: -.15pt;">a</span><span style="letter-spacing: -.05pt;">n</span>ce<span style="letter-spacing: .05pt;"> </span>ra<span style="letter-spacing: -.15pt;">t</span>es<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">f</span><span style="letter-spacing: .05pt;">o</span>r
t<span style="letter-spacing: -.05pt;">h</span><span style="letter-spacing: -.15pt;">r</span>ee<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">t</span>o<span style="letter-spacing: .05pt;"> </span>f<span style="letter-spacing: -.15pt;">i</span>ve<span style="letter-spacing: -.1pt;"> y</span>ears. Wh<span style="letter-spacing: -.05pt;">i</span>le<span style="letter-spacing: -.15pt;"> </span>safe<span style="letter-spacing: -.1pt;"> </span>dr<span style="letter-spacing: -.05pt;">i</span>vi<span style="letter-spacing: -.1pt;">n</span>g
c<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>rses<span style="letter-spacing: -.1pt;"> </span>do<span style="letter-spacing: -.1pt;"> </span>va<span style="letter-spacing: -.15pt;">r</span>y, t<span style="letter-spacing: -.2pt;">h</span>ey<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">d</span>o<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">te</span>ach<span style="letter-spacing: -.05pt;"> </span>st<span style="letter-spacing: -.05pt;">ud</span>ents
<span style="letter-spacing: -.2pt;">h</span><span style="letter-spacing: .05pt;">o</span>w<span style="letter-spacing: -.1pt;"> t</span><span style="letter-spacing: .05pt;">o</span>:</div>
<div class="MsoNormal" style="line-height: 9.5pt; margin-top: .35pt; mso-line-height-rule: exactly;">
<br /></div>
<div class="MsoBodyText">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]-->Make<span style="letter-spacing: -.1pt;"> </span>in<span style="letter-spacing: -.05pt;">f</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.15pt;">r</span>med <span style="letter-spacing: -.15pt;">d</span>ecis<span style="letter-spacing: -.15pt;">i</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>s<span style="letter-spacing: -.1pt;"> o</span>n<span style="letter-spacing: -.05pt;"> </span>t<span style="letter-spacing: -.05pt;">h</span>e
<span style="letter-spacing: -.15pt;">r</span><span style="letter-spacing: .05pt;">o</span>ad</div>
<div class="MsoBodyText">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]-->A<span style="letter-spacing: -.1pt;">n</span>tici<span style="letter-spacing: -.05pt;">p</span>ate <span style="letter-spacing: -.15pt;">p</span><span style="letter-spacing: .05pt;">o</span>te<span style="letter-spacing: -.05pt;">n</span>tial<span style="letter-spacing: -.15pt;"> </span>da<span style="letter-spacing: -.1pt;">n</span><span style="letter-spacing: -.05pt;">g</span>e<span style="letter-spacing: -.15pt;">r</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>s
sit<span style="letter-spacing: -.05pt;">u</span><span style="letter-spacing: -.15pt;">a</span>ti<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>s<span style="letter-spacing: -.1pt;"> </span>whi<span style="letter-spacing: -.05pt;">l</span>e <span style="letter-spacing: -.05pt;">d</span>r<span style="letter-spacing: -.05pt;">i</span>vi<span style="letter-spacing: -.1pt;">n</span>g</div>
<div class="MsoBodyText">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="letter-spacing: -.05pt;">H</span>ave
i<span style="letter-spacing: -.1pt;">n</span>si<span style="letter-spacing: -.05pt;">gh</span>t
i<span style="letter-spacing: -.1pt;">nt</span>o<span style="letter-spacing: .05pt;">
</span><span style="letter-spacing: -.15pt;">p</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.1pt;">t</span>ential<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.05pt;">p</span>ro<span style="letter-spacing: -.05pt;">b</span>le<span style="letter-spacing: -.05pt;">m</span>s
in their<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.05pt;">o</span>wn d<span style="letter-spacing: -.05pt;">r</span>iv<span style="letter-spacing: -.1pt;">i</span><span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>tech<span style="letter-spacing: -.05pt;">n</span>i<span style="letter-spacing: -.1pt;">q</span><span style="letter-spacing: -.05pt;">u</span>es<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: -.05pt;">n</span>d<span style="letter-spacing: -.15pt;"> </span>ma<span style="letter-spacing: -.15pt;">k</span>e
<span style="letter-spacing: -.05pt;">n</span><span style="letter-spacing: -.1pt;">e</span>eded
ch<span style="letter-spacing: -.05pt;">ang</span>es</div>
<div class="MsoBodyText" style="line-height: 13.9pt; mso-line-height-rule: exactly; mso-list: l0 level1 lfo1; tab-stops: 41.0pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="letter-spacing: -.05pt;">H</span>a<span style="letter-spacing: -.05pt;">nd</span>le r<span style="letter-spacing: .05pt;">o</span>ad<span style="letter-spacing: -.05pt;"> </span>ra<span style="letter-spacing: -.15pt;">g</span>e</div>
<div class="MsoBodyText">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]-->Deal<span style="letter-spacing: -.1pt;"> </span>with
da<span style="letter-spacing: -.1pt;">n</span><span style="letter-spacing: -.05pt;">g</span>e<span style="letter-spacing: -.15pt;">r</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>s<span style="letter-spacing: -.1pt;"> </span>weat<span style="letter-spacing: -.15pt;">h</span>er a<span style="letter-spacing: -.05pt;">n</span>d<span style="letter-spacing: -.05pt;"> </span>r<span style="letter-spacing: -.05pt;">o</span>ad<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">nd</span>itio<span style="letter-spacing: -.05pt;">n</span>s</div>
<div class="MsoNormal" style="line-height: 5.5pt; margin-top: .05pt; mso-line-height-rule: exactly;">
<br /></div>
<div class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;">
<br /></div>
<div class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;">
<br /></div>
<br />
<div class="MsoBodyText" style="margin-left: 5.0pt; text-indent: 0in;">
Y<span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.15pt;"> </span>may<span style="letter-spacing: -.05pt;"> </span>ta<span style="letter-spacing: -.1pt;">k</span>e
sa<span style="letter-spacing: -.15pt;">f</span>e <span style="letter-spacing: -.05pt;">d</span>rivi<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.15pt;"> c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>rses<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>l<span style="letter-spacing: -.05pt;">in</span>e, in<span style="letter-spacing: -.05pt;">
</span>t<span style="letter-spacing: -.05pt;">h</span>e<span style="letter-spacing: -.1pt;"> </span>class<span style="letter-spacing: -.15pt;">r</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.1pt;">o</span>m<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">o</span>r
a<span style="letter-spacing: -.15pt;">l</span>so<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.15pt;">r</span>e<span style="letter-spacing: -.1pt;">c</span>ei<span style="letter-spacing: .05pt;">v</span>e<span style="letter-spacing: -.1pt;"> </span>beh<span style="letter-spacing: -.05pt;">in</span>d<span style="letter-spacing: -.05pt;"> </span>t<span style="letter-spacing: -.05pt;">h</span>e<span style="letter-spacing: -.1pt;"> </span>whe<span style="letter-spacing: .05pt;">e</span>l<span style="letter-spacing: -.1pt;"> </span>trai<span style="letter-spacing: -.05pt;">n</span>i<span style="letter-spacing: -.1pt;">n</span><span style="letter-spacing: -.05pt;">g</span>.</div>
<div class="MsoBodyText" style="margin-left: 5.0pt; text-indent: 0in;">
<br /></div>
<h1>
<span style="letter-spacing: -.1pt;">S</span><span style="letter-spacing: -.05pt;">h</span><span style="letter-spacing: -.1pt;">a</span>ve<span style="letter-spacing: -.05pt;"> </span>Points <span style="letter-spacing: -.05pt;">o</span>ff <span style="letter-spacing: -.15pt;">D</span>r<span style="letter-spacing: -.1pt;">i</span>v<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">’</span>s<span style="letter-spacing: -.1pt;"> R</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.1pt;">o</span>rd<span style="font-weight: normal; mso-bidi-font-family: Calibri;"><o:p></o:p></span></h1>
<div class="MsoNormal" style="line-height: 11.0pt; margin-top: .9pt; mso-line-height-rule: exactly;">
<br /></div>
<div class="MsoBodyText" style="margin-left: 5.0pt; text-indent: 0in;">
</div>
<div class="MsoBodyText" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.0pt; margin-right: 20.15pt; margin-top: 0in; text-indent: 0in;">
S<span style="letter-spacing: -.05pt;">a</span>fe <span style="letter-spacing: -.05pt;">d</span>rivi<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>rses<span style="letter-spacing: -.1pt;"> </span>can<span style="letter-spacing: -.05pt;"> h</span><span style="letter-spacing: -.1pt;">e</span>lp<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">yo</span>u<span style="letter-spacing: -.05pt;"> </span>sh<span style="letter-spacing: -.15pt;">a</span>ve<span style="letter-spacing: -.05pt;"> p</span><span style="letter-spacing: .05pt;">o</span>i<span style="letter-spacing: -.1pt;">n</span>ts<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>ff<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.2pt;">u</span>r d<span style="letter-spacing: -.05pt;">r</span>iving<span style="letter-spacing: -.05pt;"> </span>re<span style="letter-spacing: -.15pt;">c</span><span style="letter-spacing: .05pt;">o</span>rd a<span style="letter-spacing: -.15pt;">f</span>ter<span style="letter-spacing: -.1pt;"> </span>y<span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.15pt;"> </span>have<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">r</span>ec<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">i</span>ved<span style="letter-spacing: -.1pt;"> </span>a
ti<span style="letter-spacing: -.15pt;">c</span>ket for a dr<span style="letter-spacing: -.15pt;">i</span>vi<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">v</span><span style="letter-spacing: -.15pt;">i</span><span style="letter-spacing: .05pt;">o</span>lat<span style="letter-spacing: -.15pt;">i</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>. If<span style="letter-spacing: -.15pt;"> </span>y<span style="letter-spacing: -.1pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span>have<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">r</span>ec<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">i</span>ved
a<span style="letter-spacing: -.25pt;"> </span>m<span style="letter-spacing: -.1pt;">o</span><span style="letter-spacing: .1pt;">v</span>i<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.05pt;"> v</span>iolat<span style="letter-spacing: -.15pt;">i</span><span style="letter-spacing: .05pt;">o</span>n<span style="letter-spacing: -.05pt;"> </span>ti<span style="letter-spacing: -.15pt;">c</span>ket,<span style="letter-spacing: -.1pt;"> </span>taki<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>a
safe<span style="letter-spacing: -.1pt;"> </span>dr<span style="letter-spacing: -.05pt;">i</span>ver<span style="letter-spacing: -.1pt;"> </span>c<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r<span style="letter-spacing: -.15pt;">s</span>e<span style="letter-spacing: -.1pt;"> </span>may
excuse<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span>f<span style="letter-spacing: -.15pt;">r</span><span style="letter-spacing: .05pt;">o</span>m<span style="letter-spacing: -.1pt;"> </span>having<span style="letter-spacing: -.1pt;"> t</span>o<span style="letter-spacing: -.05pt;"> </span>a<span style="letter-spacing: -.05pt;">pp</span>ear in <span style="letter-spacing: -.15pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>rt.<span style="letter-spacing: .05pt;"> </span>Of<span style="letter-spacing: -.15pt;">t</span>en,
t<span style="letter-spacing: -.1pt;">a</span>k<span style="letter-spacing: -.15pt;">i</span><span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>t<span style="letter-spacing: -.05pt;">h</span>e safe<span style="letter-spacing: -.1pt;">
</span>dr<span style="letter-spacing: -.05pt;">i</span>vi<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>rse<span style="letter-spacing: -.2pt;"> </span>may<span style="letter-spacing: -.1pt;"> </span>k<span style="letter-spacing: -.1pt;">e</span>ep
<span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r i<span style="letter-spacing: -.1pt;">n</span>su<span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: -.05pt;">n</span>ce<span style="letter-spacing: .05pt;"> </span>rat<span style="letter-spacing: -.1pt;">e</span>s
f<span style="letter-spacing: -.15pt;">r</span><span style="letter-spacing: .05pt;">o</span>m<span style="letter-spacing: -.1pt;"> </span>risi<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.15pt;"> </span>after<span style="letter-spacing: -.1pt;"> </span>y<span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span>h<span style="letter-spacing: -.15pt;">a</span>ve<span style="letter-spacing: -.1pt;"> </span>had<span style="letter-spacing: -.1pt;"> </span>a<span style="letter-spacing: -.1pt;"> </span>m<span style="letter-spacing: -.1pt;">o</span>vi<span style="letter-spacing: -.2pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">v</span>iol<span style="letter-spacing: -.15pt;">a</span>ti<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>.</div>
<div class="MsoBodyText" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.0pt; margin-right: 20.15pt; margin-top: 0in; text-indent: 0in;">
<br /></div>
<div class="MsoBodyText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.0pt; margin-right: 0in; margin-top: 2.8pt; text-indent: 0in;">
When<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span>dr<span style="letter-spacing: -.05pt;">i</span><span style="letter-spacing: -.1pt;">v</span>e
sa<span style="letter-spacing: -.15pt;">f</span>ely,<span style="letter-spacing: -.15pt;"> </span>ad<span style="letter-spacing: -.1pt;">d</span>itio<span style="letter-spacing: -.05pt;">n</span>al <span style="letter-spacing: -.05pt;">b</span>en<span style="letter-spacing: -.15pt;">e</span>fits inc<span style="letter-spacing: -.05pt;">lude</span>:</div>
<div class="MsoNormal" style="line-height: 11.0pt; margin-top: .9pt; mso-line-height-rule: exactly;">
<br /></div>
<div class="MsoBodyText" style="margin-right: 7.5pt; mso-list: l0 level1 lfo1; tab-stops: 41.0pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><b>Y<span style="letter-spacing: -.05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">s</span><span style="letter-spacing: -.1pt;">a</span>ve<span style="letter-spacing: -.15pt;"> </span>m<span style="letter-spacing: -.05pt;">one</span>y
<span style="letter-spacing: -.05pt;">o</span>n<span style="letter-spacing: -.05pt;">
</span><span style="letter-spacing: .05pt;">g</span><span style="letter-spacing: -.1pt;">as</span>.<span style="letter-spacing: .1pt;"> </span></b><span style="letter-spacing: -.15pt;">Y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r car<span style="letter-spacing: -.1pt;"> </span>can<span style="letter-spacing: -.05pt;"> </span>achi<span style="letter-spacing: -.15pt;">e</span>ve<span style="letter-spacing: -.1pt;"> </span>peak<span style="letter-spacing: -.1pt;"> </span>e<span style="letter-spacing: -.15pt;">f</span>fic<span style="letter-spacing: -.05pt;">i</span>ency<span style="letter-spacing: -.1pt;"> </span>when<span style="letter-spacing: -.15pt;"> </span>y<span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.15pt;"> </span>a<span style="letter-spacing: -.1pt;">v</span><span style="letter-spacing: .05pt;">o</span>id<span style="letter-spacing: -.05pt;"> </span>r<span style="letter-spacing: -.15pt;">a</span><span style="letter-spacing: -.05pt;">p</span>id<span style="letter-spacing: -.05pt;"> </span>acceler<span style="letter-spacing: -.15pt;">a</span>ti<span style="letter-spacing: .05pt;">o</span>n
a<span style="letter-spacing: -.05pt;">n</span>d<span style="letter-spacing: -.05pt;">
</span>l<span style="letter-spacing: .05pt;">o</span>ts<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>f <span style="letter-spacing: -.05pt;">qu</span>i<span style="letter-spacing: -.15pt;">c</span>k<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.1pt;">t</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">p</span>s.</div>
<div class="MsoBodyText" style="margin-right: 15.45pt; mso-list: l0 level1 lfo1; tab-stops: 41.0pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><b>Y<span style="letter-spacing: -.05pt;">ou</span>r t<span style="letter-spacing: -.1pt;">i</span>r<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.1pt;"> </span>l<span style="letter-spacing: -.1pt;">a</span>st<span style="letter-spacing: -.1pt;"> </span>l<span style="letter-spacing: -.05pt;">on</span>g<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: -.1pt;">r</span>.<span style="letter-spacing: .2pt;"> </span></b>S<span style="letter-spacing: -.05pt;">a</span>fe<span style="letter-spacing: -.2pt;"> </span><span style="letter-spacing: -.05pt;">d</span>riv<span style="letter-spacing: .05pt;">e</span>rs
<span style="letter-spacing: -.15pt;">d</span>o<span style="letter-spacing: .05pt;">
</span><span style="letter-spacing: -.15pt;">n</span><span style="letter-spacing: .05pt;">o</span>t tail<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.15pt;">a</span>te,<span style="letter-spacing: -.1pt;"> </span>ex<span style="letter-spacing: -.15pt;">c</span>ept in <span style="letter-spacing: -.15pt;">f</span><span style="letter-spacing: .05pt;">oo</span>tba<span style="letter-spacing: -.05pt;">l</span>l<span style="letter-spacing: -.15pt;"> </span>park<span style="letter-spacing: -.05pt;">in</span>g<span style="letter-spacing: -.05pt;"> </span>l<span style="letter-spacing: -.1pt;">o</span>ts.<span style="letter-spacing: .05pt;"> </span>Because<span style="letter-spacing: -.1pt;">
</span>safe <span style="letter-spacing: -.05pt;">d</span>rivi<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>inc<span style="letter-spacing: -.05pt;">lud</span>es<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">b</span>raki<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>g<span style="letter-spacing: -.15pt;">e</span><span style="letter-spacing: -.05pt;">n</span>tly<span style="letter-spacing: .05pt;"> </span>and<span style="letter-spacing: -.1pt;"> </span>n<span style="letter-spacing: -.1pt;">o</span>t
<span style="letter-spacing: -.05pt;">z</span><span style="letter-spacing: -.1pt;">oo</span>mi<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>fr<span style="letter-spacing: -.1pt;">o</span>m<span style="letter-spacing: -.2pt;"> </span><span style="letter-spacing: -.05pt;">z</span>ero<span style="letter-spacing: .05pt;"> </span>to<span style="letter-spacing: -.05pt;"> </span>80<span style="letter-spacing: -.1pt;"> </span>in
<span style="letter-spacing: -.1pt;">1</span>0 <span style="letter-spacing: -.1pt;">s</span>e<span style="letter-spacing: -.1pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">nd</span>s, t<span style="letter-spacing: -.2pt;">h</span>ere<span style="letter-spacing: .05pt;"> </span>is <span style="letter-spacing: -.15pt;">l</span>ess
tread <span style="letter-spacing: -.1pt;">w</span>ear<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>n<span style="letter-spacing: -.05pt;"> y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r<span style="letter-spacing: -.1pt;"> </span>tire<span style="letter-spacing: .05pt;">s</span>.</div>
<div class="MsoBodyText" style="line-height: 13.4pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 41.0pt; margin-right: 20.9pt; margin-top: .2pt; mso-line-height-rule: exactly; mso-list: l0 level1 lfo1; tab-stops: 41.0pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><b>Y<span style="letter-spacing: -.05pt;">ou</span>r e<span style="letter-spacing: -.1pt;">n</span>gi<span style="letter-spacing: -.05pt;">n</span>e<span style="letter-spacing: -.15pt;"> </span>is
h<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: -.05pt;">pp</span><span style="letter-spacing: -.1pt;">y</span>.<span style="letter-spacing: .15pt;"> </span></b>B<span style="letter-spacing: -.1pt;">e</span>c<span style="letter-spacing: -.15pt;">a</span><span style="letter-spacing: -.05pt;">u</span>se<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span>are<span style="letter-spacing: -.1pt;"> </span>not<span style="letter-spacing: -.1pt;"> </span>doi<span style="letter-spacing: -.1pt;">n</span>g<span style="letter-spacing: -.05pt;"> </span>a<span style="letter-spacing: -.1pt;"> </span>l<span style="letter-spacing: .05pt;">o</span>t<span style="letter-spacing: -.2pt;"> </span><span style="letter-spacing: .05pt;">o</span>f q<span style="letter-spacing: -.1pt;">u</span>ick<span style="letter-spacing: -.1pt;"> </span>start<span style="letter-spacing: -.1pt;">s</span>,
ac<span style="letter-spacing: -.1pt;">c</span>eler<span style="letter-spacing: -.15pt;">a</span>ti<span style="letter-spacing: -.1pt;">o</span><span style="letter-spacing: -.05pt;">n</span>s and<span style="letter-spacing: -.1pt;"> </span>rap<span style="letter-spacing: -.05pt;">i</span>d st<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">p</span>s,<span style="letter-spacing: -.1pt;"> y</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r car’s<span style="letter-spacing: -.15pt;">
</span>e<span style="letter-spacing: -.05pt;">ng</span>i<span style="letter-spacing: -.1pt;">n</span>e <span style="letter-spacing: -.15pt;">ca</span>n<span style="letter-spacing: -.05pt;"> </span>fu<span style="letter-spacing: -.1pt;">n</span>cti<span style="letter-spacing: .05pt;">o</span>n<span style="letter-spacing: -.15pt;"> </span>m<span style="letter-spacing: -.1pt;">o</span>re<span style="letter-spacing: -.1pt;"> </span>efficie<span style="letter-spacing: -.05pt;">n</span>t<span style="letter-spacing: -.15pt;">l</span>y,<span style="letter-spacing: -.15pt;"> </span>and<span style="letter-spacing: -.05pt;"> </span>t<span style="letter-spacing: -.05pt;">hu</span>s last<span style="letter-spacing: .05pt;">
</span><span style="letter-spacing: -.15pt;">l</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">ng</span>er.<o:p></o:p></div>
<div class="MsoBodyText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 41.0pt; margin-right: 17.95pt; margin-top: .3pt; mso-list: l0 level1 lfo1; tab-stops: 41.0pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><b>Y<span style="letter-spacing: -.05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.1pt;">i</span>ve<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.05pt;">on</span>g<span style="letter-spacing: -.2pt;">e</span>r.
</b>Wh<span style="letter-spacing: -.05pt;">i</span>le<span style="letter-spacing: -.1pt;"> y</span><span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.15pt;"> </span>ca<span style="letter-spacing: -.05pt;">nn</span><span style="letter-spacing: .05pt;">o</span>t <span style="letter-spacing: -.15pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>t<span style="letter-spacing: -.15pt;">r</span><span style="letter-spacing: .05pt;">o</span>l<span style="letter-spacing: -.1pt;"> </span>what<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>ther<span style="letter-spacing: -.25pt;"> </span><span style="letter-spacing: -.05pt;">d</span>riv<span style="letter-spacing: .05pt;">e</span>rs<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>n<span style="letter-spacing: -.05pt;"> </span>t<span style="letter-spacing: -.2pt;">h</span>e
<span style="letter-spacing: -.15pt;">r</span><span style="letter-spacing: .05pt;">o</span>ad<span style="letter-spacing: -.05pt;"> </span>are<span style="letter-spacing: -.1pt;"> </span>do<span style="letter-spacing: -.15pt;">i</span><span style="letter-spacing: -.05pt;">ng</span>,
<span style="letter-spacing: .05pt;">yo</span>u<span style="letter-spacing: -.15pt;">
</span>will <span style="letter-spacing: -.05pt;">h</span>ave<span style="letter-spacing: -.1pt;"> m</span><span style="letter-spacing: .05pt;">o</span>re
<span style="letter-spacing: -.15pt;">a</span>ware<span style="letter-spacing: -.15pt;">n</span>ess<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>f t<span style="letter-spacing: -.2pt;">h</span>e
road<span style="letter-spacing: -.2pt;"> </span>and<span style="letter-spacing: -.1pt;"> </span>have<span style="letter-spacing: -.1pt;"> </span>t<span style="letter-spacing: -.05pt;">h</span>e<span style="letter-spacing: -.1pt;"> </span>ab<span style="letter-spacing: -.05pt;">i</span>l<span style="letter-spacing: -.05pt;">i</span>ty<span style="letter-spacing: -.05pt;"> </span>to<span style="letter-spacing: .05pt;"> </span>be<span style="letter-spacing: -.1pt;"> </span>pro<span style="letter-spacing: -.15pt;">a</span>cti<span style="letter-spacing: -.05pt;">v</span>e<span style="letter-spacing: -.1pt;"> </span>when
<span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.1pt;">s</span>ense
<span style="letter-spacing: -.05pt;">d</span>a<span style="letter-spacing: -.05pt;">ng</span>er
c<span style="letter-spacing: -.05pt;">o</span>mi<span style="letter-spacing: -.1pt;">n</span><span style="letter-spacing: -.05pt;">g</span>. This can<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.15pt;">r</span>esult
in<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: -.15pt;">f</span>ewer<span style="letter-spacing: -.05pt;"> </span>acci<span style="letter-spacing: -.05pt;">d</span>en<span style="letter-spacing: -.15pt;">t</span>s.</div>
<div class="MsoNormal" style="line-height: 5.5pt; margin-top: .05pt; mso-line-height-rule: exactly;">
<br /></div>
<div class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;">
<br /></div>
<h1>
Q<span style="letter-spacing: -.1pt;">u</span><span style="letter-spacing: -.05pt;">e</span>st<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">on</span>s a<span style="letter-spacing: -.05pt;">bou</span>t
D<span style="letter-spacing: -.1pt;">r</span>i<span style="letter-spacing: -.1pt;">v</span>i<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: -.05pt;">S</span><span style="letter-spacing: -.1pt;">a</span>fe<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">B</span><span style="letter-spacing: -.05pt;">ene</span>fits<span style="letter-spacing: -.1pt;">
</span>Y<span style="letter-spacing: -.05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">M</span><span style="letter-spacing: -.1pt;">a</span>y Q<span style="letter-spacing: -.05pt;">u</span><span style="letter-spacing: -.1pt;">al</span>ify F<span style="letter-spacing: -.1pt;">or</span>?<span style="font-weight: normal;"><o:p></o:p></span></h1>
<div class="MsoNormal" style="line-height: 11.0pt; margin-top: .9pt; mso-line-height-rule: exactly;">
<br /></div>
<div class="MsoBodyText" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.0pt; margin-right: 20.15pt; margin-top: 0in; text-indent: 0in;">
</div>
<div class="MsoBodyText" style="line-height: 115%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.0pt; margin-right: 15.45pt; margin-top: 0in; text-indent: 0in;">
Our agents can<span style="letter-spacing: -.05pt;">
</span>g<span style="letter-spacing: -.15pt;">i</span>ve<span style="letter-spacing: -.1pt;"> </span>y<span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.1pt;">m</span><span style="letter-spacing: .05pt;">o</span>re<span style="letter-spacing: -.1pt;"> </span>in<span style="letter-spacing: -.05pt;">f</span><span style="letter-spacing: .05pt;">o</span>r<span style="letter-spacing: -.1pt;">m</span>ation<span style="letter-spacing: -.15pt;"> </span>abo<span style="letter-spacing: -.05pt;">u</span>t<span style="letter-spacing: -.1pt;"> </span>t<span style="letter-spacing: -.05pt;">h</span>e<span style="letter-spacing: -.1pt;"> </span>ty<span style="letter-spacing: -.05pt;">p</span><span style="letter-spacing: -.1pt;">e</span>s<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>f<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">p</span>ti<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>s<span style="letter-spacing: -.15pt;"> </span>in<span style="letter-spacing: -.1pt;">v</span><span style="letter-spacing: .05pt;">o</span>lving
safe <span style="letter-spacing: -.05pt;">d</span>rivi<span style="letter-spacing: -.05pt;">n</span>g<span style="letter-spacing: -.15pt;"> </span>c<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r<span style="letter-spacing: -.15pt;">s</span>es<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">o</span>r sa<span style="letter-spacing: -.15pt;">f</span>e<span style="letter-spacing: -.1pt;"> </span>dr<span style="letter-spacing: -.05pt;">i</span>ver
<span style="letter-spacing: -.05pt;">d</span>i<span style="letter-spacing: -.15pt;">s</span>c<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">un</span>ts<span style="letter-spacing: -.1pt;"> </span>t<span style="letter-spacing: -.05pt;">h</span>at<span style="letter-spacing: -.1pt;"> </span>m<span style="letter-spacing: -.15pt;">a</span>y<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: -.05pt;">b</span>e
avai<span style="letter-spacing: -.05pt;">l</span>a<span style="letter-spacing: -.05pt;">b</span>le<span style="letter-spacing: -.15pt;"> </span><span style="letter-spacing: -.1pt;">t</span>o<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">o</span>u<span style="letter-spacing: -.05pt;"> </span>in<span style="letter-spacing: -.15pt;"> </span>y<span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>r<span style="letter-spacing: -.25pt;"> </span>reg<span style="letter-spacing: -.05pt;">i</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>.
F<span style="letter-spacing: -.05pt;">in</span>d<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">u</span>t<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: -.05pt;">m</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.15pt;">r</span>e <span style="letter-spacing: -.05pt;">b</span>y
<span style="letter-spacing: -.1pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>tacti<span style="letter-spacing: -.1pt;">n</span>g <span style="letter-spacing: -0.06666667014360428px;">Dostal & Kirk Insurance & Financial Services at (877) 562-6801 or info@dostalkirk.com</span>.
We<span style="letter-spacing: -.1pt;"> </span>return<span style="letter-spacing: -.1pt;"> </span>all<span style="letter-spacing: -.15pt;"> </span>p<span style="letter-spacing: -.1pt;">h</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">n</span>e<span style="letter-spacing: -.1pt;"> </span>c<span style="letter-spacing: -.15pt;">a</span>l<span style="letter-spacing: -.05pt;">l</span>s
and<span style="letter-spacing: -.1pt;"> e</span>mai<span style="letter-spacing: -.05pt;">l</span>s <span style="letter-spacing: -.05pt;">p</span>rom<span style="letter-spacing: -.05pt;">p</span>t<span style="letter-spacing: -.15pt;">l</span>y.</div>
Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-18827332827753497552014-03-03T06:06:00.002-08:002014-03-03T06:10:24.627-08:00<b>How Teen Drivers Affect Your Car Insurance </b><br />
When teens are about to turn 16, chances are they’re dreaming of carefree days behind the wheel with the windows down and the wind in their hair. As the parent of a new teen driver, your dreams may be clouded<br />
with worry and higher insurance rates.<br />
<br />
Talking to your insurance agent is a first step in dealing with both topics. Knowing that you have adequate car insurance coverage can offer peace of mind when you hand over the keys to your teenager. Your agent can help you design a policy that protects your family and meets your budget.<br />
<br />
<b>When to Add Your Teen Driver to Your Car Insurance</b><br />
Every driver must be insured, even while they are driving with their learner’s permit. And in most cases, it’s more cost-efficient to add your child to your policy rather than buy a separate policy. Usually the new teenage driver will need to be designated as the primary driver on one of the family vehicles. If you are buying a new car as the number of drivers in your family increases, have your teen drive one of the older ones since newer cars cost more to insure anyway.<br />
<br />
<b>What Teen Drivers Mean for Your Insurance Rates </b><br />
Typically adding a new teen driver will increase your car insurance premium somewhat since teen drivers add more risk. It’s common knowledge that teen drivers cause more accidents and tend to be more easily distracted behind the wheel. Since insurance companies need to protect against those risks, it usually costs more to insure new teen drivers. But while your rates are likely to increase, there are ways to make your car insurance more affordable.<br />
<br />
<b>Several Ways To Save </b><br />
<br />
While the thought of having a new teen driver may send your blood pressure skyward, there are several ways to lower the cost of insuring them.<br />
<b><br /></b>
<b>Raise your deductible.</b> It’s an effective way to offset the cost of insuring a teen driver, but be aware that teens have more accidents, so you may not want to take on more risk than you can handle.<br />
<b>Postpone the license.</b> Many insurance companies offer discounts for teens who mature another year or two before getting their license.<br />
<b>Share the family car.</b> Having your teen drive one of your existing family vehicles may limit their driving time, which reduces your risk in the eyes of the insurance company. If you buy a car just for your teen, that unlimited access may mean more time behind the wheel.<br />
<b>Choose a new car wisely.</b> If you need to buy a car for your new driver, you may want to research which ones cost less to insure. Your insurance agent can help.<br />
<b>Get good grades. </b>Many insurance companies view responsible students as responsible drivers and reward the family with lower insurance rates.<br />
<b>Look for safe driver programs.</b> Ask your insurance agent about safe driving programs. They often require the participants to sign contracts indicating they will not participate in risky behavior such as drinking and driving. They are a way to reduce your insurance premiums and also teach your child safe driving habits that could potentially save their lives.<br />
<br />
<b>Don’t Skimp on Coverage to Save a Few Dollars </b><br />
Shaving a little off your liability coverage may seem like a way to compensate for a higher premium, but ultimately it may not be the best choice. In the event of a serious accident, skimping on your liability coverage would leave you footing the bill for anything beyond your liability limits, which could potentially put your financial security at risk.<br />
<br />
In fact, teen car crashes are more likely to result in high-judgment lawsuits, so many insurers recommend adding an umbrella policy when insuring a new teen driver. Umbrella policies offer protection above and beyond the standard limits of your primary policies. And because umbrella policies are designed for those ‘perfect storm’ instances, they are relatively inexpensive.<br />
<br />
<b>Dostal & Kirk Can Help </b><br />
Having a new teen driver in the house can be a stressful time, but it doesn’t have to be. Contact us when your teen is about to get behind the wheel. We’ll help you find out how to get affordable, dependable coverage so you’re prepared when you hand over the car keys to your child. Call (877) 562-6801 or email info@dostalkirk.com for more information.<br />
<div>
<br /></div>
Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-34366885379938876432014-01-02T07:46:00.001-08:002014-01-02T07:46:11.617-08:00The Dangers of Texting while Driving62 percent of high-school students admit to texting while driving, according to a survey by<br />
Students Against Drunk Driving and Liberty Mutual Insurance. Of these young texters, one in<br />
four believed there’s nothing unsafe about it.<br />
<br />
On the other hand, the National Highway Traffic Safety Administration (NHTSA) blames the use<br />
of cell phones at the wheel for some 1,000 fatalities and 240,000 nonfatal accidents every year.<br />
That’s about 25 percent of all crashes. Add to this the facts that most young people think they<br />
can easily “multi-task” and they think they’re immortal anyway, and you’ve got a big problem.<br />
<br />
<b>Cell Phones Are a Major Distraction </b><br />
Safety studies by NHTSA, the University of Utah, and other researchers show that cell-phone<br />
use alone – just talking – is a major distraction for most motorists. It takes away the driver’s<br />
concentration. It slows reaction time. It impedes both-hands-on-wheel control of the vehicle.<br />
As highway-patrol officers have frequently confirmed, it reduces performance to the level of<br />
driving drunk.<br />
<br />
What’s more, it’s not just the equipment’s fault. Hands-free cell-phone use is no safer. The real<br />
culprit is the conversation itself, especially when it involves decision making or emotional upset.<br />
There is simply no way a caller can adequately do the complex work of driving – scanning the<br />
road, monitoring traffic movements, reading road signs, adjusting speed, following distance,<br />
and other variables – while on a call.<br />
<br />
Texting multiplies these deficits and adds a few more.<br />
<br />
<ul>
<li> Inputting, like any kind of writing, requires more concentration that just speaking. </li>
<li>Most texters need to keep glancing at the phone’s keyboard and disregarding the road. </li>
<li>Reading an incoming text message can be even more problematic, as the driver squints at the tiny screen, then scrolls to follow longer messages. </li>
<li>Should the car hit a bump, the phone could fly out of the user’s hand. What then? </li>
</ul>
<br />
<br />
A study by the Federal Motor Carrier Safety Administration has found that while texting, 4.6 of<br />
every 6 seconds are spent looking at the phone instead of the road. At 55 mph, that’s<br />
equivalent to driving the length of a football field blindfolded. So deciding whether to retrieve a<br />
dropped phone could literally be a matter of life or death.<br />
<br />
<b>Thumbs Down, Say Lawmakers </b><br />
States lawmakers are cracking down. Texting is now outlawed in 34 states and the District of<br />
Columbia. Law enforcement officers can attest to the need, reporting that texters are easy to<br />
spot on the road since they are inattentive, swerve between lanes and drive slowly.<br />
Other counter-measures to on-road texting are also taking hold. The Occupational Health and<br />
Safety Administration (OSHA), has petitioned President Obama for tougher laws. Why OSHA,<br />
the occupational agency? Because much of America’s workforce is on the road daily, delivering<br />
goods and services or conducting other business activities.<br />
<br />
In response, the President instituted the Executive Order on Federal Leadership on Reducing<br />
Text Messaging While Driving in 2009. It prohibits texting by all federal employees during<br />
official business trips.<br />
<br />
The courts and insurers are likewise adjusting to the spread of the texting habit. Phone-related<br />
accidents and injuries, whether caused by talking or texting, are seen as forms of driver<br />
negligence, in some cases on a par with DWI (“driving while impaired”) offenses. Increasingly,<br />
victims of such crimes are eligible to receive compensation for their losses.<br />
<br />
Safety statistics, here and abroad, make it clear that texting and talking, whether hands-on or<br />
hands-free, make cell-phone use a major threat to public safety. But in the age of hand-held<br />
electronics, will the trend-setting Uncle Sam follow the lead of Great Britain, Japan, Chile, and<br />
more than a dozen other nations in banning these practices? The question remains open.<br />
<br />
<b>Call Dostal & Kirk Insurance & Financial Services Today</b><br />
We have been doing business in Ohio for more than 135 years, so very little surprises us,<br />
including what people do while driving. Don’t hesitate to contact Dostal & Kirk for ways to<br />
instill good driving habits in your family or to discuss all your insurance needs.<br />
<div>
<br /></div>
<div>
<br /></div>
<div>
<br /></div>
Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-44779540890723759572013-10-25T09:25:00.001-07:002013-10-25T09:26:02.180-07:00Protect Your Home and Everything in it with Homeowners Insurance <b>Dostal & Kirk Insurance & Financial Services is your source for the right home insurance in Powell, Galion & Bucyrus, Ohio.</b><br />
<br />
One fact of home ownership is that you need to protect your property. Your mortgage lender will require it, and peace of mind does too. Homeowners insurance provides that protection.<br />
<br />
Another fact is that when you work with Dostal & Kirk you will understand your coverage and get the service you expect. When a water pipe bursts, we will be there to help you get the repairs necessary to bring back peace of mind.<br />
<br />
<b><u>Homeowners Insurance Explained </u></b><br />
There are many parts to any homeowners insurance policy, but the four main coverage components are:<br />
<br />
<b>Building.</b> Coverage usually includes unattached structures such as garages, sheds, retaining walls, fences and more. It insures against most perils that could cause damage to your home, including fire, lightning, explosions, theft, vandalism, smoke, snow, ice, water overflow, vehicle crash, falling objects and others. Common exclusions are flood and earthquake, which may mean you need to add coverage, depending on your location.<br />
<br />
<b>Contents:</b> Your personal property and contents of the home are protected from the same perils as the building. The total value of your belongings is determined as a percentage of the home’s structure coverage, which means if you own many valuables, you will likely need additional coverage for the contents of your home.<br />
<br />
<b>Liability:</b> Coverage will compensate for medical costs and legal expenses associated with damages or injuries to others caused by you or family members on your property or away from home, up to a certain limit. Liability coverage is what protects you when your dog or other covered animal bites a neighbor.<br />
<br />
<b>Temporary Living Expenses:</b> If your home is damaged, this will cover your housing, meals, car storage and other expenses while your home is repaired or rebuilt. It usually pays up to a certain percentage of the total amount your home is insured for.<br />
<div>
<br /></div>
<div>
<div>
<b><u>Types of Home Insurance Coverage</u> </b></div>
<div>
When you purchase insurance to protect your home and contents, you can choose from three types of coverage: </div>
<div>
<br /></div>
<div>
<b>Actual cash value:</b> Covers the value of your home plus your personal property after depreciation. You won’t be reimbursed for what you spent on your possessions, in other words, but rather for what they are worth before you need to file a claim. </div>
<div>
<b><br /></b></div>
<div>
<b>Replacement cost:</b> Covers actual value of your home and contents without factoring depreciation. It may be more expensive than Actual Cash Value but it guarantees you can repair or rebuild your home and replace everything you’ve lost, no matter the age or condition. </div>
<div>
<b><br /></b></div>
<div>
<b>Extended replacement:</b> Coverage provides protection against inflation by insuring your home will be rebuilt or repaired, no matter what the cost. </div>
</div>
<div>
<br /></div>
<div>
<div>
<b><u>How Much Does Homeowners Insurance Cost</u>? </b></div>
<div>
As with all types of insurance, there is not a standard price for homeowners insurance since no two homeowners have the exact same needs. So let’s talk about factors that influence the cost of your homeowners insurance to get a better understanding of how costs are determined. </div>
<div>
</div>
<div>
It starts with how much your house is worth and where it is located. Is the neighborhood subject to much crime, is there a fire hydrant nearby, how far will firefighters have to travel to get to your house? The age of the home speaks to condition of plumbing, heating and electrical systems. A home’s claims history will be considered, including those by previous owners. Your credit history will also be a factor. Insurance industry studies show that people with better credit tend to be more responsible homeowners who file fewer claims. </div>
</div>
<div>
<div>
<br /></div>
<div>
<b><u>Ways to Lower Homeowners Insurance Premiums </u></b></div>
<div>
Homeowners insurance may be required, but paying more than you need to for coverage is not. </div>
<div>
Here are some things you can do to save money on your premiums: </div>
<div>
<ul>
<li>Raise your deductible </li>
<li>Multi-policy discounts if you use one company for both home and car insurance </li>
<li>Age discounts, based either on your age or the home’s </li>
<li>Home security discount (home alarms, smoke detectors, deadbolt locks, etc.) </li>
<li>Claims-free discounts if you don’t file a claim for a certain number of years (varies by insurance company) </li>
</ul>
</div>
</div>
<div>
<div>
<b><u>Review Your Policy Annually</u></b> </div>
<div>
Once you have purchases homeowners insurance, it’s smart to review your policy every year since changes do occur, and you always want to be sure you are properly protected. For example, have you made changes to the property or added an expensive antique that needs a policy amendment? Did your credit rating improve, or have you experienced other life events that could mean you qualify for additional discounts? </div>
</div>
<div>
<br /></div>
<div>
<div>
<b><u>Document Your Belongings </u></b></div>
<div>
You’ve worked hard for your home and possessions, so take an extra step and create a home inventory. Photograph, videotape or otherwise document the entire contents of your home. Store the photos, data file or videotape in a fireproof box. Then, should disaster in one form or another strike, you’ll be prepared for the claims process if you can readily provide proof of home contents to the insurance company. </div>
</div>
<div>
<br /></div>
<div>
<b>Dostal & Kirk Is Here To Help</b></div>
<div>
<div>
Whether it’s your home or your car or your small business you need to insure, we will be with you every step of the way. On your behalf, we work with several insurance companies so you know you’re getting the best possible coverage at the best possible price. Call us today at (877) 562-6801.</div>
<div>
<br /></div>
<div>
www.dostalkirk.com </div>
</div>
<div>
<br /></div>
<div>
<br /></div>
<div>
<br /></div>
Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-68097879746336910052013-09-04T07:02:00.003-07:002013-09-04T07:04:45.205-07:00Make Sure Your Valuables Are Covered with Homeowners InsuranceYou don’t have to be a millionaire to have high value assets. Perhaps you own fine jewelry, a grand piano or a prized collection? Your keepsakes with high monetary value — family heirlooms and other personal belongings — are important to you.<br />
<br />
Owning expensive things can be enjoyable for you and your family but also carries some risk. To protect what you own, it is necessary to understand what coverage your homeowners insurance offers for your high value property.<br />
<br />
Standard homeowners insurance often has limits on the amount of coverage available for valuable property. If you own things that would be expensive to replace, your homeowners insurance may not provide the full coverage you need to pay for costly replacement items. Limitations can apply to individual items and categories of items. When the value of a collection is high, additional high value assets insurance can be needed to adequately cover its worth.<br />
<br />
<b>How High Value Assets Insurance Can Benefit You</b><br />
While standard homeowners insurance has limits on the amount of coverage available for individual personal items, your policy can be tailored to cover your high value property. High value assets insurance can protect your valuable personal property in ways that standard homeowners insurance cannot. Coverage for high value assets can be provided for all risks, including breakage and theft.<br />
<br />
It is important to understand the full value of items and protect what you own. High value assets insurance can be used to provide full coverage for a wide range of items, including:<br />
<br />
Antiques<br />
Artwork<br />
Cameras<br />
Collections: stamps, coins, wine, figurines<br />
Electronics<br />
Fine jewelry, watches<br />
Firearms, guns<br />
Furs<br />
Golf equipment<br />
Memorabilia<br />
Musical instruments<br />
Silver, silverware<br />
<br />
Many people own valuable property and are unaware of just how much it is worth. Maybe you did not even purchase your keepsakes; they were inherited or given to you. Even if you purchased a valuable item, its value can fluctuate over time. A credible appraiser can be helpful. Although some cost is involved with a formal appraisal, this can be money well spent for any serious collector.<br />
<br />
<b>Make an Inventory of Your Valuable Assets</b><br />
A thorough and accurate assessment of your valuable property today can make handling a claim a much more efficient process should the need ever arise. First, compile a list of all of your valuable possessions. Make a detailed list of everything valuable you own, take photographs of the items and store the list somewhere outside of your home in a safe deposit box or at a friend or relative’s residence.<br />
<br />
Record all valuable items as you go through your part of your house room to room, including the basement and garage. List the name of the item and a description as well as brand name if applicable, the date purchased and any appraisals. This same process can also be used to provide an overall home inventory for your regular homeowners insurance that includes more standard possessions.<br />
<br />
Once you have completed your home inventory taking note of high value items, a yearly assessment can update changes in your possessions and their value. Updated information about your possessions can keep your high value asset coverage fitted to your changing needs.<br />
<br />
<b>Insurance Protection Brings Peace of Mind</b><br />
High value assets insurance offers coverage when broader protection is required. It can be reassuring to know that your most valuable possessions have full coverage in the event of unexpected loss due to fire, theft or damage.<br />
<br />
<b>Learn More about How to Protect Your Valuable Property</b><br />
Don’t make assumptions about how your high value assets are insured. Contact Dostal & Kirk today to assess your high value asset risk and form a comprehensive insurance plan. Our greatest priority is to make sure that you have the right insurance coverage for all of your property.Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-55247501989171717222013-07-08T13:44:00.001-07:002013-07-08T13:44:16.296-07:00Tips to Boost Your Credit Could Lower Your Insurance PremiumsMore and more you hear that your credit rating can affect how much you pay for auto and<br />
home insurance. Have you ever wondered why? What do your spending history and credit<br />
cards and money habits have in common with insurance? The concept is debatable, but it is a<br />
fact that your credit rating has a significant impact on your auto insurance rates.<br />
<br />
It may make sense if you know that insurance companies determine insurance rates by<br />
classifying people in groups, based on age, gender, location, accidents, violations, credit history<br />
and more. Research shows that as a group, people with lower credit scores pose a larger risk to<br />
the insurance companies that are protecting them (Insurance Information Institute). Perhaps<br />
they are distracted and have more accidents. On the other hand, people who manage their<br />
credit tend to be more responsible and file fewer auto and home claims.<br />
<br />
<b>How Can I Improve My Credit Score?</b><br />
<b><br /></b>
It’s important to monitor your credit score, so get yours, either online or by phone. You are<br />
entitled to a free credit report from each of the three major credit reporting agencies every<br />
year. To improve your score over time:<br />
<br />
<br />
<ul>
<li>Pay your bills on time. Automatic bill pay might help you avoid missing deadlines. </li>
<li>Be aware of your total debt. Pay down any credit-card balances so they are significantly less than half of your total credit limit.</li>
<li>The length of your credit history matters, so think about that before closing old accounts.</li>
<li>If you see an error on your report, take steps to have it removed.</li>
</ul>
<br />
<div>
You will be glad you made the effort to boost your credit score. Not only will you save on </div>
<div>
<div>
insurance premiums, but a good rating can lower interest rates on your credit cards and other </div>
<div>
loans. </div>
<div>
<br /></div>
</div>
Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-58939096559498583832013-06-04T07:50:00.001-07:002013-06-04T08:07:38.700-07:00<h2>
<span style="color: #fff2cc; font-size: x-large;">Community Involvement</span></h2>
<span style="color: black; font-family: "Arial","sans-serif";"><o:p><strong><span style="color: white;">Power of the Purse<br />American Red Cross of Delaware County</span></strong></o:p></span><br />
<span style="color: black; font-family: "Arial","sans-serif";"><o:p><strong><span style="color: white;"></span></strong></o:p></span><br />
<span style="color: black; font-family: "Arial","sans-serif";"><o:p></o:p></span><span style="color: black;"><span class="usercontent"><span style="color: black; font-family: "Arial","sans-serif"; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><span style="color: white;">On May 10th, Dostal &
Kirk attended the 2nd annual Power of the Purse fundraiser, which was held at
the Scioto Reserve Country Club in Powell. This event helped raise $33,000 for
the American Red Cross of Delaware County. Our very own, Jane Kuraly, is on the
American Red Cross board and served on the Power of the Purse Committee. Dostal
& Kirk was an event sponsor. Pictured below is our team and family enjoying
the night.</span> </span></span><span style="color: black; font-family: "Arial","sans-serif"; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"> </span></span><br />
<span style="color: black; font-family: "Arial","sans-serif"; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR8KQAUMioOScSEPLnhSlJp2EKXs65eo_UUOjKXt4bG6Hbjg4MX_ipXmjs8kFy64Yup-dyQ8HYbZI0-DcJtPNiO7eQqIX62LYdqgvAwiAcBmkMA5YeJ_3nsc6qoC1yEEcbAcgrjgk2S4Cd/s1600/PowerofthePurse.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="265" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR8KQAUMioOScSEPLnhSlJp2EKXs65eo_UUOjKXt4bG6Hbjg4MX_ipXmjs8kFy64Yup-dyQ8HYbZI0-DcJtPNiO7eQqIX62LYdqgvAwiAcBmkMA5YeJ_3nsc6qoC1yEEcbAcgrjgk2S4Cd/s400/PowerofthePurse.jpg" width="400" /></a></div>
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"></span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br /><span style="color: white; font-size: small;"> </span></span><br />
<h3 style="margin: 0in 0in 0pt;">
<span style="color: black; font-family: "Arial","sans-serif";"><span style="color: white; font-size: small;">Bowl-A-Thon</span></span></h3>
<h3 style="margin: 0in 0in 0pt;">
<span style="color: black; font-family: "Arial","sans-serif";"></span><span style="color: black; font-family: "Arial","sans-serif";"><span style="font-size: small;"><span style="color: white;">
<span style="font-family: "Arial","sans-serif";">Junior Achievement of
North Central Ohio</span></span></span></span><span style="color: white;"><span style="font-size: small;"><span style="color: black; font-family: "Arial","sans-serif";"> </span><span style="color: black; font-family: "Arial","sans-serif";"><o:p></o:p></span></span></span></h3>
<span style="color: white; font-family: Times New Roman;">
</span><br />
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span class="usercontent"><span style="color: black; font-family: "Arial","sans-serif";"><span style="color: white;">On Friday, May 17th, Dostal &
Kirk participated in the 23rd annual Junior Achievement
(JA) Bowl-A-Thon. This year's theme was Beach Blanket Bowling
and we were rockin' all night with live music from Sinister Midget. The
event was able to raise a total of $3,447 which will allow 114 students to
receive the JA programs. JA teaches students about smart money management
and business leadership skills.</span> </span></span><span style="color: black; font-family: "Arial","sans-serif";"> </span></div>
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 10pt;"></span> </div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9pEio01z31MhDP_86q60TEJAI2Uu7S1QGPT1yBnoVI_yuXTbHiwozpWxzsN4yLWXJKPRUluKmWclXHBsTDUU4ec269nVvHHeT7OrpB7hA2knxASf-vtAc89yW_lwFRFcA3feV6YGG2yHO/s1600/JA+Bowling+2013+002.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9pEio01z31MhDP_86q60TEJAI2Uu7S1QGPT1yBnoVI_yuXTbHiwozpWxzsN4yLWXJKPRUluKmWclXHBsTDUU4ec269nVvHHeT7OrpB7hA2knxASf-vtAc89yW_lwFRFcA3feV6YGG2yHO/s400/JA+Bowling+2013+002.jpg" width="400" /></a></div>
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 10pt;"><o:p></o:p></span> </div>
<span style="font-family: Times New Roman; font-size: small;">
</span>Anonymoushttp://www.blogger.com/profile/11436898688555018313noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-50119443448299593132013-05-31T11:00:00.002-07:002013-05-31T11:00:15.588-07:00What Is Loan / Lease Gap Auto Insurance?<div class="MsoNormal">
If you’re like most people, you take out a loan when you buy
a car. Like most of us, you also probably think that if your new car costs
$25,000, it is still worth $25,000 the next day when you show it to your
friends. Well, think twice because the minute you drive your car off the car dealer’s
lot, it depreciates in value. Within weeks you may have a gap between the loan
amount and the value of your car.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>When You Buy/Lease a
New Car, Do Not Ignore Gap Coverage<o:p></o:p></b></div>
<div class="MsoNormal">
Guaranteed auto protection, also known as Gap Insurance,
covers the gap between what you owe on a car and the actual cash value if your
car is totaled or stolen in a covered loss. With a car lease, the same
principle applies; your car may be worth less than the lease amount. Gap coverage
is not a substitute for your regular car insurance policy; it is an additional
coverage.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Do You Need Gap
Insurance Coverage?<o:p></o:p></b></div>
<div class="MsoNormal">
When you take out a loan or lease a new vehicle, you may
need Gap coverage since most </div>
<div class="MsoNormal">
vehicles depreciate in value — and quickly — from the moment
you leave the dealership. </div>
<div class="MsoNormal">
Typically, a car depreciates in value approximately 30%
within three months of purchase. If your car is totaled in a covered loss,
you'll have to pay out of your own pocket the difference between what you owe
and what your vehicle is worth on that day. </div>
<div class="MsoNormal">
Gap coverage will close that gap. You may not need GAP if
you make a large down payment on your vehicle as the value of the car may not
be more than the value of the loan or lease. If you paid cash for your car, you
do not need GAP insurance.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>What Gap Insurance
Can Do<o:p></o:p></b></div>
<div class="MsoNormal">
Let’s say you swerve to avoid a deer and end up driving down
an embankment and total your car. Although no one's hurt, the cost to repair
your vehicle is higher than its actual cash value (ACV). Your insurance company
determines the ACV is $20,000. If you have a $500 deductible, your insurance
company will pay $19,500 to settle your claim. You bought your car a few weeks earlier
for $24,000 and haven't even made the first payment yet, so you will still owe
the full amount to your lender. You are responsible for paying the remaining
$4,500 to your lender. Gap coverage will pay the $4,500 which includes your
deductible, but be aware that not all Gap policies cover your deductible. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>How Do You Buy Gap
Insurance Coverage?<o:p></o:p></b></div>
<div class="MsoNormal">
You buy Gap coverage at the time you purchase or lease the
new vehicle in either of two ways. You can ask your independent insurance agent
to add Gap to your car insurance policy or you can ask the finance/leasing
company. Generally, the cost might be higher if the coverage is purchased
within the finance agreement because you are paying for the coverage plus some fees.
The price the finance company can charge is not regulated, but the cost of the
coverage through your auto insurance policy is regulated by the state. Often
leasing companies include Gap coverage in their contracts; make sure you review
your lease contract so you don’t pay twice.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>What to Look for When
Purchasing Gap Insurance</b></div>
<div class="MsoNormal">
<o:p> </o:p>Gap insurance coverage is similar from insurance company to
insurance company. However, you should check with your independent insurance
agent as there potential exclusions and limitations such as:</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Overdue lease/loan payments </div>
<div class="MsoNormal">
Security deposits not refunded by the lessor </div>
<div class="MsoNormal">
Costs for extended warranties </div>
<div class="MsoNormal">
Deductions for wear and tear, prior damage, towing, and
storage </div>
<div class="MsoNormal">
Equipment added by the buyer</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>What You Should Do<o:p></o:p></b></div>
<br />
<div class="MsoNormal">
As your independent insurance agent, Dostal & Kirk works
to find you the best coverage at the most competitive rates. Contact us when
you decide to purchase a car and we will help you decide whether you need Gap
insurance. We take great pride in providing professional customer service to
you as we handle all your insurance needs.
Please call (877) 562-6801 to discuss your options and review all of
your coverages.</div>
Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-37666144625930701672013-05-23T08:58:00.003-07:002013-05-23T08:58:38.998-07:00Preparing for Natural Disasters: Floods, Hurricanes, Tornadoes, and Earthquakes<br />
<div class="MsoNormal">
Disasters such as floods, hurricanes, tornadoes, and
earthquakes can occur</div>
<div class="MsoNormal">
in almost any area of the country…..even Ohio, so it’s a
good idea to prepare for them.</div>
<div class="MsoNormal">
Organize your home to minimize damage, create emergency
plans, and</div>
<div class="MsoNormal">
make sure you have emergency supplies. You should also plan
what you</div>
<div class="MsoNormal">
would do in case of a natural disaster and discuss it with
your family to</div>
<div class="MsoNormal">
make sure you are all as prepared as possible.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Possible disasters<o:p></o:p></b></div>
<div class="MsoNormal">
Any disaster that has occurred in an area can happen again,
and other disasters</div>
<div class="MsoNormal">
are always a possibility. To find out which disasters to
prepare for in your area</div>
<div class="MsoNormal">
and how to handle them, contact your local emergency
management center, civil</div>
<div class="MsoNormal">
defense office, or American Red Cross chapter. Also, learn
about your</div>
<div class="MsoNormal">
community’s warning signals: what they sound like and what
you should do</div>
<div class="MsoNormal">
when you hear them. The following are some types of
disasters that may affect</div>
<div class="MsoNormal">
your community:</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="mso-list: l3 level1 lfo4; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]-->A <u>flood or flash flood</u> is the overflow of
water to a normally dry area. A flood can</div>
<div class="MsoNormal">
occur when water slowly rises following prolonged rainfall
or rapid melting of</div>
<div class="MsoNormal">
snow. A flash flood may occur when sudden, heavy rainfall
creates too much</div>
<div class="MsoNormal">
hillside runoff, overflowing dams, levees, and dikes. If you
live in a flood plain</div>
<div class="MsoNormal">
near a river or stream, or in an area surrounded by
mountains or hills, your</div>
<div class="MsoNormal">
home may be at risk during heavy rains.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="mso-list: l1 level1 lfo3; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]-->A <u>hurricane</u> is an intense tropical storm
that spirals around a calm center, called</div>
<div class="MsoNormal">
an eye, and gains strength and speed over the open water of
an ocean or gulf.</div>
<div class="MsoNormal">
When wind speeds reach 74 miles per hour, a tropical storm
becomes a</div>
<div class="MsoNormal">
hurricane. This type of storm mostly affects coastal areas,
especially in the</div>
<div class="MsoNormal">
Southeast, and usually occurs between June and December. A
hurricane may</div>
<div class="MsoNormal">
bring high winds (up to 220 mph), heavy rains, high tides,
and inland flooding.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]-->A <u>tornado</u> is an extremely violent,
localized storm in which winds up to 200 mph</div>
<div class="MsoNormal">
whip around a central vortex. This type of storm may
accompany thunderclouds</div>
<div class="MsoNormal">
in certain atmospheric conditions, and appears as a funnel
cloud that stretches</div>
<div class="MsoNormal">
from the ground to the sky. Tornadoes can occur in any state
(especially east of</div>
<div class="MsoNormal">
the Rockies), and usually travel from southwest to
northeast.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="mso-list: l2 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]-->An <u>earthquake</u> can be caused by the sudden
shifting of rock plates beneath the</div>
<div class="MsoNormal">
earth’s surface or from the pressure of rising magma in
volcanic areas. They</div>
<div class="MsoNormal">
usually occur along fault lines (where the rock plates that
form the earth’s crust</div>
<div class="MsoNormal">
meet), or in volcanic areas. The shaking may be very slight,
or it may be quite</div>
<div class="MsoNormal">
violent. Loud rumblings often accompany earthquakes, along
with significant</div>
<div class="MsoNormal">
structure damage, power outages, explosions, or fires.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Disaster-proof your home<o:p></o:p></b></div>
<div class="MsoNormal">
Try to learn about the building where you live. Is it safe
and able to withstand</div>
<div class="MsoNormal">
disaster? Search for danger, and remember, in a severe
storm, ordinary items in</div>
<div class="MsoNormal">
the home can cause injury and damage. Anything that can
move, fall, break, or</div>
<div class="MsoNormal">
cause a fire is a potential hazard. To minimize damage to
your home in a</div>
<div class="MsoNormal">
disaster,</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
· Repair defective electrical wiring and leaky gas
connections.</div>
<div class="MsoNormal">
· Fasten shelves securely and brace overhead light fixtures.</div>
<div class="MsoNormal">
· Avoid placing beds in front of windows. Hang pictures and mirrors
away from</div>
<div class="MsoNormal">
beds.</div>
<div class="MsoNormal">
· Secure water heater and oil tank to wall studs.</div>
<div class="MsoNormal">
· Store weed killers, pesticides, and flammable products
away from heat sources.</div>
<div class="MsoNormal">
· Place oily polishing rags or waste in covered metal cans.</div>
<div class="MsoNormal">
· Clean, repair, and maintain chimneys, flue pipes, vent
connectors, and gas vents.</div>
<div class="MsoNormal">
· Repair cracks in ceilings or foundations.</div>
<div class="MsoNormal">
· Anchor heavy appliances, bookcases, and furniture to wall
studs or floor.</div>
<div class="MsoNormal">
· Place large, heavy objects on lower shelves.</div>
<div class="MsoNormal">
· Keep hanging plants to a minimum. Use plastic pots instead
of ceramic, and</div>
<div class="MsoNormal">
close or tie hooks
and hangers shut.</div>
<div class="MsoNormal">
· Store dishes, glassware, and pots in closed, latched
cabinets instead of hanging or</div>
<div class="MsoNormal">
displaying them.</div>
<div class="MsoNormal">
· Check hallways, exits, doors, and windows for hazards and
obstructions. Keep</div>
<div class="MsoNormal">
the key easily
accessible near locked doors or passages. Do not permanently bar,</div>
<div class="MsoNormal">
nail, or paint
windows or doors shut.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Create an emergency
plan<o:p></o:p></b></div>
<div class="MsoNormal">
The best defense from any disaster is good preparation. Once
you are aware of</div>
<div class="MsoNormal">
what types of disasters might affect your community, you may
want to hold a</div>
<div class="MsoNormal">
family meeting to discuss the need for preparation. Explain
the dangers of floods, hurricanes, tornadoes, and earthquakes to children in
terms they can understand. Explain that planning ensures that the family will
stay together in case of an emergency. Plan to share responsibilities and work
as a team.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
· Meet with household members to discuss the types of emergencies
that may</div>
<div class="MsoNormal">
affect your area.
Explain how to respond, and find safe spots in the home for</div>
<div class="MsoNormal">
each type of
disaster.</div>
<div class="MsoNormal">
· Discuss what to do about power outages and personal
injuries.</div>
<div class="MsoNormal">
· Draw a floor plan of your home. Mark two escape routes
from each room.</div>
<div class="MsoNormal">
· Show family members how to turn off the water, gas, and
electricity at main</div>
<div class="MsoNormal">
switches when
necessary.</div>
<div class="MsoNormal">
· Post emergency phone numbers near phones. Teach children
how and when to</div>
<div class="MsoNormal">
call 911, police,
and fire.</div>
<div class="MsoNormal">
· Instruct household members to turn on the radio for
emergency information.</div>
<div class="MsoNormal">
· Pick one out-of-state and one local friend or relative for
family members to call</div>
<div class="MsoNormal">
if separated during
a disaster (it is often easier to call out-of-state than within the</div>
<div class="MsoNormal">
disaster area).
Teach these phone numbers to each family member, including</div>
<div class="MsoNormal">
children and older
adults.</div>
<div class="MsoNormal">
· Pick two emergency meeting places</div>
<div class="MsoNormal">
- a place near the home in case of fire</div>
<div class="MsoNormal">
- a place outside the neighborhood in case family members
can’t return home</div>
<div class="MsoNormal">
· Take a basic first aid and CPR class.</div>
<div class="MsoNormal">
· Keep family records in a waterproof and fireproof
container.</div>
<div class="MsoNormal">
· Create a Disaster Supplies Kit. Include a flotation vest
for each member of the</div>
<div class="MsoNormal">
family if the area
is prone to floods.</div>
<div class="MsoNormal">
· Keep fuel in your car at all times and stock it with a Car
Emergency Supplies</div>
<div class="MsoNormal">
Kit.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Create a disaster
supplies kit<o:p></o:p></b></div>
<div class="MsoNormal">
Keep enough supplies in your home to meet all basic needs
for at least three</div>
<div class="MsoNormal">
days. Assemble a Disaster Supplies Kit with items that you
might need if you are</div>
<div class="MsoNormal">
homebound or forced to evacuate. Store these supplies in
sturdy containers such</div>
<div class="MsoNormal">
as backpacks, duffle bags, or covered trash cans. Prepare a
smaller Car</div>
<div class="MsoNormal">
Emergency Supplies Kit and keep it in the car trunk.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<u><b>Disaster supplies kit</b><o:p></o:p></u></div>
<div class="MsoNormal">
· A three-day supply of water (one gallon per person, per
day) and food that won’t</div>
<div class="MsoNormal">
spoil. Include a
manual can opener, and any pet food and supplies you might</div>
<div class="MsoNormal">
need.</div>
<div class="MsoNormal">
· One change of clothing and footwear per person, and one
blanket or sleeping</div>
<div class="MsoNormal">
bag per person</div>
<div class="MsoNormal">
· A first aid kit that includes prescription medications</div>
<div class="MsoNormal">
· Emergency tools including a battery-powered radio,
flashlight, plenty of extra</div>
<div class="MsoNormal">
batteries, and a
utility knife</div>
<div class="MsoNormal">
· An extra set of car keys and a credit card, cash, or
traveler’s checks</div>
<div class="MsoNormal">
· Personal care supplies (toilet paper, soap, toothbrush,
etc.)</div>
<div class="MsoNormal">
· Any special items or equipment for infants, or for older
or disabled family</div>
<div class="MsoNormal">
members (formula,
diapers, denture or eye care supplies, etc.)</div>
<div class="MsoNormal">
· An extra pair of eyeglasses</div>
<div class="MsoNormal">
· Important family documents in a waterproof container</div>
<div class="MsoNormal">
Car emergency
supplies kit</div>
<div class="MsoNormal">
· Battery-powered radio, flashlight, and extra batteries</div>
<div class="MsoNormal">
· Blanket</div>
<div class="MsoNormal">
· Booster cables</div>
<div class="MsoNormal">
· Fire extinguisher (5 lb., A-B-C type)</div>
<div class="MsoNormal">
· First aid kit and manual</div>
<div class="MsoNormal">
· Bottled water and non-perishable, high-energy foods like
granola bars and</div>
<div class="MsoNormal">
raisins</div>
<div class="MsoNormal">
· Maps, shovel, and flares</div>
<div class="MsoNormal">
· Tire repair kit and pump</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>What to do during a
flood or hurricane<o:p></o:p></b></div>
<div class="MsoNormal">
In a flood or hurricane, follow these precautions:</div>
<div class="MsoNormal">
· Tune in a battery-operated radio for instructions from the
Emergency Broadcast</div>
<div class="MsoNormal">
System.</div>
<div class="MsoNormal">
· Disconnect electrical appliances and turn off the main
circuit breaker or switch.</div>
<div class="MsoNormal">
· If instructed to evacuate, take your Disaster Supplies Kit
along.</div>
<div class="MsoNormal">
· In a flood, move to the highest point in your home. If
flood waters are rising and</div>
<div class="MsoNormal">
you can’t evacuate,
be sure to have flotation vests.</div>
<div class="MsoNormal">
· In a hurricane, move to the center of the house,
preferably to a small room</div>
<div class="MsoNormal">
opposite the
direction from which the wind is blowing. Stay away from windows.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>What to do during a
tornado<o:p></o:p></b></div>
<div class="MsoNormal">
In a tornado approaches, follow these procedures:</div>
<div class="MsoNormal">
· Stay indoors and move to the basement, if there is one.
Duck under the stairs or</div>
<div class="MsoNormal">
a heavy work table.
Don’t stand under heavy appliances or furniture on the floor</div>
<div class="MsoNormal">
above.</div>
<div class="MsoNormal">
· If there is no basement, go to a small room in the center
of the house, on the</div>
<div class="MsoNormal">
ground floor. Get
under a sturdy table, desk, or bed.</div>
<div class="MsoNormal">
· Use a pillow, blanket, books, or your arms to protect
yourself from wind-born</div>
<div class="MsoNormal">
debris.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>What to do during an
earthquake<o:p></o:p></b></div>
<div class="MsoNormal">
In case of an earthquake, protect yourselves using the
following guidelines:</div>
<div class="MsoNormal">
· If you are indoors:</div>
<div class="MsoNormal">
- Move away from windows, glass, and breakable or loose
objects. Beware of</div>
<div class="MsoNormal">
falling, flying, and
sliding objects.</div>
<div class="MsoNormal">
- Brace yourselves in a doorway or inside hallway, or slide
under a sturdy table,</div>
<div class="MsoNormal">
desk, or bed.</div>
<div class="MsoNormal">
- If you can’t move to a safer area, sit down where you are
and protect your head</div>
<div class="MsoNormal">
and body with your
arms, pillows, blankets, books, or any nearby object. For</div>
<div class="MsoNormal">
anyone in a
wheelchair, lock the brakes.</div>
<div class="MsoNormal">
· If you are outdoors, move to an open area away from trees,
buildings, poles, or</div>
<div class="MsoNormal">
walls that could
break apart or fall in an earthquake.</div>
<div class="MsoNormal">
· If you are in a car, stop, park, and apply the parking
brake. Stay in the vehicle</div>
<div class="MsoNormal">
until the tremors
stop. Avoid trees, bridges, and power lines.</div>
<div class="MsoNormal">
· If you are in a high-rise building, get under a desk or a
table. When the shaking</div>
<div class="MsoNormal">
stops, evacuate
calmly using the stairs (avoid the elevator).</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>What to do after a
disaster strikes<o:p></o:p></b></div>
<div class="MsoNormal">
If a disaster does occur, do the following:</div>
<div class="MsoNormal">
· Check for injuries and apply first aid. Call for help if
needed.</div>
<div class="MsoNormal">
· Put on heavy shoes in case of broken glass.</div>
<div class="MsoNormal">
· Turn on a battery-operated radio and listen to the
Emergency Broadcast System</div>
<div class="MsoNormal">
for information and
instructions.</div>
<div class="MsoNormal">
· Gather emergency supplies for evacuation, if necessary. If
the home is damaged,</div>
<div class="MsoNormal">
seek emergency
shelter. If you evacuate, post a message telling where you are</div>
<div class="MsoNormal">
going.</div>
<div class="MsoNormal">
· If you leave home, do not return until you hear official
notice that it’s safe.</div>
<div class="MsoNormal">
· If you remain at home, use your Disaster Supplies Kit.</div>
<div class="MsoNormal">
· If you smell gas, open all windows, turn off the gas at
the main valve, and exit the</div>
<div class="MsoNormal">
home through escape
routes.</div>
<div class="MsoNormal">
· If you suspect damage to water pipes or the electrical
system, turn off water or</div>
<div class="MsoNormal">
electricity at the
main valve or circuit breaker.</div>
<div class="MsoNormal">
· If you have pets, confine or harness them safely; if they
are frightened they may</div>
<div class="MsoNormal">
run away, risking
injury.</div>
<div class="MsoNormal">
· Clean up potentially harmful material (broken glass,
spills of gas, chemicals, or</div>
<div class="MsoNormal">
cleaning agents).</div>
<div class="MsoNormal">
· Check house, roof, and chimney for damage.</div>
<div class="MsoNormal">
· In the case of an earthquake, open closets and cupboards
carefully in case</div>
<div class="MsoNormal">
contents have broken
or shifted.</div>
<div class="MsoNormal">
· After an earthquake, be prepared for aftershocks.</div>
<div class="MsoNormal">
· If there’s been flooding, do not drink tapwater until
authorities say it’s safe.</div>
<div class="MsoNormal">
Don’t use plumbing
unless the sewer lines are intact.</div>
<div class="MsoNormal">
· Do not eat food contaminated by flood water.</div>
<div class="MsoNormal">
· Avoid using electrical equipment in wet or flooded areas.
If electrical equipment</div>
<div class="MsoNormal">
has gotten wet, let
it dry and have it checked for safety before using it.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The above suggestions include basic information to help you
design an</div>
<div class="MsoNormal">
emergency or disaster response system. You can also obtain
more information</div>
<div class="MsoNormal">
from your local government office of emergency services,
fire department,</div>
<div class="MsoNormal">
American Red Cross, National Weather Service, Federal
Emergency</div>
<div class="MsoNormal">
Management Agency, local utility companies, and local public
library.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Source: <a href="http://www.usna.edu/FamilyServices/NaturalDisasters.pdf">http://www.usna.edu/FamilyServices/NaturalDisasters.pdf</a></div>
Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-79657050891357816992013-05-08T08:40:00.001-07:002013-05-08T08:41:10.528-07:00Do I Need Rental Car Reimbursement Insurance?<br />
<b>Protect yourself from paying to drive when your car is in the shop.</b><br />
You drive to and from work every day. You take your kids to the ballgame. You go shopping.<br />
Have you ever wondered if your car were in an accident, how you would be able to survive<br />
without a car? We have the answer. It’s Rental Car Reimbursement Coverage to the rescue. The<br />
good thing about car insurance is that you can buy a number of endorsements for additional<br />
protections and rental car reimbursement is one of them.<br />
<br />
<b>What Rental Car Reimbursement Covers</b><br />
Rental reimbursement provides financial protection for you if you need a vehicle when your car<br />
is damaged in an accident covered by your Comprehensive or Collision coverage. Some<br />
policies cover car rentals when your vehicle undergoes mechanical repairs. Rental<br />
reimbursement is generally available only with policies that include collision and comprehensive<br />
coverage.<br />
<br />
<br />
<b>How Do I Know if I have It</b><br />
The first several pages of your insurance policy are called the declarations pages. These pages<br />
contain the declarations of the coverage you have purchased for each of your vehicles and<br />
include the specific description of your vehicle(s). Look for a line item listed as “Rental” or “Extended Transportation,” with a dollar amount listed to the side of it. You have purchased this<br />
insurance only if there is a dollar coverage amount next to it and there is a policy premium<br />
amount listed for the insured vehicle. You may purchase the coverage for one vehicle but not<br />
for another, at your option.<br />
<br />
<br />
<b>How Rental Car Reimbursement Works</b><br />
The optional rider offsets the daily cost of a rental vehicle for a specific time period and up to<br />
the specific daily limit you purchased. You can generally purchase limits of $20/day and<br />
600/30days or $30/900 or $40/1200. The first number indicates the daily maximum coverage and<br />
the second is the maximum coverage for 30 days. For example, if you purchase 30/900, the<br />
policy would pay up to $30 per day for up to a maximum of 30 days or $900, whichever comes<br />
first.<br />
Most insurance carriers have pre-arranged agreements with several car rental agencies that<br />
may include direct bill and pre-negotiated rates. Remember, if you exceed your policy limits,<br />
you are responsible for the difference. You should select a rental rate based on the type of car<br />
you need. If you have a family SUV, you should select a daily rental rate for a comparable<br />
vehicle.<br />
<br />
<b>How Do I Know When I Am Covered?</b><br />
If you purchased the coverage, you are insured while the vehicle is in the shop being repaired<br />
after an accident or breakdown, up to your coverage limits. If your vehicle is not drivable, you<br />
may be able to get a rental vehicle before your vehicle is being repaired, but always check with<br />
your agent first. If your vehicle is stolen, call the insurance company or your agent immediately<br />
after calling the police to report the car stolen since most have a clause in the policy that does<br />
not cover a rental vehicle for the first 48 hours after the reported loss.<br />
<br />
<b>What It Costs</b><br />
The cost of rental car reimbursement coverage is generally quite reasonable: under $20 per<br />
vehicle per year. It can bring peace of mind knowing you won’t be forced to go without a<br />
vehicle should something happen to your car.<br />
<br />
<b>We Can Help</b><br />
As your independent insurance agent, Dostal & Kirk can help you select the appropriate<br />
daily rental car reimbursement limit for you. Contact us when you are purchasing your auto<br />
insurance and we can help you find the right insurance company for you. Call (877) 562-6801<br />
or send us an email today.<br />
<br />
<br />
<br />
<br />Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-34479752290763520852013-04-30T06:19:00.002-07:002013-04-30T06:19:54.098-07:00Protect Your Possessions with Renters Insurance<br />
<b>If you rent your home, your property is not protected by the landlord’s insurance.</b><br />
If you rent your home or apartment, you may think the landlord is<br />
responsible for the property’s insurance. Guess what? Your belongings are not covered on his<br />
policy. If there’s a fire or water damage or theft, you would likely be forced to leave your home<br />
for a length of time. And you may have to start over in terms of acquiring possessions. At least if<br />
you have renters insurance, you wouldn’t have to pay for those inconveniences.<br />
<br />
Dostal & Kirk offers affordable renters insurance protection that every renter should seriously<br />
consider having. It covers your rental property, no matter if it’s a house, apartment, multi-family<br />
residence, duplex, loft, townhome or condo. It covers renters in much the same way<br />
homeowners insurance works, but since it’s not always required, some renters neglect to protect<br />
themselves.<br />
<br />
<b>What Renters Insurance Covers</b><br />
Renters insurance protects you against a wide range of disasters and damage caused by fire or<br />
smoke, lightning, windstorm or hail, volcanic eruption, ice, vandalism, theft, explosion, plumbing leaks and falling objects. Floods and earthquakes are typically excluded from standard renters<br />
<br />
insurance. Most policies cover sports and recreational equipment but not your vehicles, which<br />
would be covered by your car insurance.<br />
<br />
You may add extra coverage for valuable jewelry, collectibles, cameras, musical instruments<br />
and more, as an endorsement to your policy. If you operate a business out of your home, you<br />
can add increased business coverage to protect those assets. Renters insurance also offers both<br />
personal liability coverage to protect you against lawsuits and additional living protection should<br />
you need to relocate while the rental property is repaired or rebuilt.<br />
<br />
You can usually choose between actual cash value renters insurance, which will replace your<br />
belongings after factoring depreciation, or full replacement cost protection, which may cost<br />
more upfront, but covers the full replacement cost of your possessions.<br />
<br />
<br />
<b>Whose Possessions Are Covered</b><br />
Any member of your family is covered under your renters insurance policy. If your kids are in<br />
college, their possessions are covered at school, provided they live on campus and don’t rent<br />
an apartment. You can obtain joint renters insurance with your roommate or unmarried partner<br />
in some states.<br />
<br />
<b>Common Myths about Renters Insurance</b><br />
Let’s address these myths one at a time, and you can decide whether renters insurance is<br />
something you need.<br />
<br />
My landlord is responsible if anything happens to my apartment.<br />
I don’t need insurance; my stuff fits in the back of my truck.<br />
I can’t afford to buy renters insurance.<br />
If my friends get hurt at my house, their insurance will cover them.<br />
<br />
<b>My Landlord Is Responsible</b><br />
There are many advantages to renting rather than owning your home. Your landlord probably<br />
handles general care of the premises and may even cover your utilities. You may have cable TV<br />
as part of your rental agreement. You never need to worry about lawn care, snow removal or<br />
trash collection. You are free to relocate simply by giving notice under the terms of your lease.<br />
Your landlord insures the property and has liability protection enough to cover appropriate<br />
<br />
claims. But that protection will not cover you, your belongings or anything occurring inside your<br />
home.<br />
<br />
<b>I Don’t Need Renters Insurance </b><br />
Many renters believe their belongings could easily be replaced since they don’t have many<br />
possessions. Since most people acquire their things over time, it’s easy to lose track of<br />
cumulative value. But take one look in your kitchen or clothes closet and you’ll likely realize you<br />
wouldn’t readily have the financial resources to replace everything you currently own. Even<br />
renters whose earthly belongings fit in the back of a pick-up truck would be hard-pressed to<br />
replace furniture, appliances, electronics, food, clothes and more all at once if the duplex<br />
burned down.<br />
<br />
<b>I Can’t Afford Renters Insurance</b><br />
Do yourself a favor and contact Dostal & Kirk Insurance & Financial Services for a no-obligation quote for renters insurance. It’s affordable, and it's money well spent for protection that provides peace of mind.<br />
<br />
<b>If My Friend Is Hurt, Their Insurance Kicks In</b><br />
In addition to insuring your personal property, renters insurance can protect you against lawsuits<br />
with liability protection. If a house guest is injured at your house and sues for lost wages or pain<br />
and suffering, your renters policy can cover the damages.<br />
<br />
<b>What to Expect from Dostal & Kirk</b><br />
One-stop shop for all your insurance needs<br />
Multiple policy discounts<br />
Free, no-obligation quotes<br />
Choice of insurance companies you can trust<br />
Efficient claims process<br />
Testimonials from satisfied customers<br />
<br />
Dostal & Kirk Insurance & Financial Services can help you protect yourself and your property with renters insurance. Contact our independent agents for a no-obligation quote. We can help you discover discounts<br />
you may be eligible for, and we’ll be with you every step of the way. Call us today at (877) 562-6801.<br />
<br />
<br />
<br />
Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0tag:blogger.com,1999:blog-6551357852267884556.post-21107802125944843302013-04-22T06:48:00.001-07:002013-04-22T06:48:49.405-07:007 Tips to Selecting the Right Car Insurance Coverage<br />
Better be prepared with car insurance before you buy your car and drive it off the lot. But finding<br />
the right car insurance coverage is not as easy as 1, 2, 3. There are many parts to the policy and<br />
many different types of coverage and limit options. Dostal & Kirk is here to help. Here are seven tips you can use when considering the car insurance that’s right for you.<br />
<br />
<b>1. Know Your State’s Minimum Required Limits for Auto Insurance</b><br />
In most states you are required to carry auto insurance and establish minimum liability limits,<br />
including Insureville, Idaho, of course. This protects you and the public. States do not generally<br />
require you to insure for physical damage. You should ask your independent agent what Idaho’s<br />
minimum required limits are and whether owning just the minimum is the right solution for you.<br />
<br />
<b>2. Think about the Liability Limits You Buy</b><br />
Most states typically have minimum liability limits of $25,000 bodily injury per person, $50,000 per<br />
accident and $20,000 for property damage. Just think about how little that amount is should you<br />
cause an accident and seriously hurt others or cause serious damage to someone’s property.<br />
How much liability limit you should purchase depends on a number of factors, such as the value<br />
of your personal assets. Your best bet is to discuss the appropriate limits for your needs with your<br />
independent agent.<br />
<br />
<b>3. A Combined Single Limit is Better Than Split Limits</b><br />
Just think about the split limit scenario above. Let’s say you injure four people in a car accident<br />
and two of the injured require $25,000 for medical care. If you have a $25,000 per-person limit<br />
with a maximum per accident of $50,000, you may be personally sued by the other injured<br />
parties. But if you had purchased combined single limits, you would then have a bucket from<br />
which to pay all injured parties up to the limit purchased. So, it may make sense to purchase a<br />
combined single limit.<br />
<br />
<div style="font-weight: bold;">
4. Purchase Uninsured and Underinsured Motorist Coverage</div>
Just think of the minimum state limits most people purchase. If they cause an accident in which<br />
you are severely injured, would $25,000 be sufficient? Or what if they had no insurance? To<br />
protect yourself and your family, consider buying both uninsured and underinsured coverage<br />
with your car insurance.<br />
<br />
<div style="font-weight: bold;">
5. Protect the Value of your Car with Physical Damage Coverage</div>
If you have an automobile loan or are leasing your car, you will be required to purchase physical<br />
damage coverage to protect the lending institution. If something happens to your car, physical<br />
damage coverage will pay to repair or replace your car. So whether you are required to by your<br />
lender or not, you should consider purchasing this coverage.<br />
<br />
<div style="font-weight: bold;">
6. Select a Suitable Deductible for Car Damage</div>
The physical damage coverage portion of car insurance has a deductible. This means if any<br />
damage is done to your car, the insurance company will pay the amount to repair or replace<br />
your car and you pay the deductible. If you take a low deductible, like $250, the insurance<br />
company will have to pay more to have your car repaired and, consequently, you will pay a<br />
higher premium. The higher your deductible, the lower the premium. Consider choosing the<br />
highest deductible you can afford, but realize you will then have to pay if your car needs a<br />
minor dent repaired.<br />
<br />
<div style="font-weight: bold;">
7. Ask for Car Insurance Discounts </div>
There are a number of car insurance discounts available to drivers. There is a discount for insuring<br />
multiple cars, for taking safe driving courses, for good student drivers, and there may even be a<br />
discount for having your car insurance policy with the same company that insures your home. To<br />
find out about all the discounts you may be eligible for, ask you independent agent.<br />
<br />
Not having the right limits and coverage on your car insurance policy can lead to the loss of<br />
your assets in case of an accident. As your independent agent, we can help you select the<br />
appropriate coverage and limits for you with the most competitive premiums from a variety of<br />
insurance companies we represent. Contact <b>Dostal & Kirk Insurance and Financial Services</b> today to review your auto policy.<br />
<br />
<br />Dostal&Kirkhttp://www.blogger.com/profile/03732958765995776972noreply@blogger.com0