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Thomas/Pfeifer Insurance Agency, Inc. Newsletter Fall 2010 WHO YOU GOING TO CALL? With some recent staff changes, we realize that it may be difficult to remember who to contact in our office with specific insurance questions. Here is a list of “who’s who” and how we can help you… Nita Beyer – office manager – general billing questions and accounting. Kim Gudex – personal lines from A-K, commercial accounts from A-D and personal health insurance. Shirley Hansen – commercial accounts from E-Z, group health insurance. Jeff Pfeifer – owner, quoting of commercial accounts, claims, property cost estimations, life & disability insurance. Sally Pfeifer – marketing and new business. Pam Weigand – personal lines from L-Z, aviation, home/condo rentals and personal health insurance.
USEFUL HIGHWAY TRIVIA How long are the dashed lines that are painted down the middle of a road? Most people guess that the yellow dashes are 2 feet long and the spaces in between are also 2 feet. In reality, the lines are 10 feet long and the spaces in between are 30 feet. It’s a federal standard for every street, highway and rural road in the United States. To judge a safe distance from you to the vehicle in front of you, remember that it’s 40 feet from the start of a line to the start of the next line. Sure seems like they zip by much faster than that! Source: PIA of Wisconsin
WE WOULD LOVE TO HEAR FROM YOU WHEN...
All of these items can have an impact on your insurance coverage and we want to make sure you are fully covered at all times. Please call and we will be happy to make recommendations regarding changes to your policy !
A NOTE ABOUT CREDIT AND INSURANCE SCORES If you have recently applied for personal insurance or for a loan, you are aware of how important your “insurance score” has become. In general, the better your score, the better your rates will be for insurance and for interest on a loan. Your “credit score” can certainly influence your insurance score and includes many factors, depending on the company you are applying with. Payment history, amount of debt owed, length of credit history and types of credit accounts are some of the determining factors in a credit score. Consequently, paying your bills on time and keeping credit card balances low can help to maintain a good credit score and will generally influence your insurance premiums.
PERSONAL UMBRELLA UPDATE A personal liability umbrella policy provides you with more than higher liability limits. You're paying for broader coverage in case you're sued. If you cause bodily injury, property damage or personal injury, an umbrella policy will come to your rescue. Some policies also cover you if you face liability due to your service on the board of a civic, charitable or religious organization. But just as with any insurance policy, don’t expect an umbrella policy to cover your intentional acts that cause damage. Nor will it pay for punitive damages in judgments against you. Personal umbrella policies also do not cover damages from any businesses you run. You’d need a business insurance program for that. Check your umbrella policy for specific exclusions.
THE TOP 10 WORST FOODS TO EAT WHILE DRIVING
Source: Insure.com
Remember to send your email addresses to us at tpins@thomaspfeifer.com!
GET TO KNOW OUR COMPANIES As an independent insurance agency, we are privileged to represent a number of great companies! Here is a brief description of each, so you know what our companies provide: Property & Casualty Insurance: Auto-Owners: Home, Auto, Business & Life; based in Lansing, Michigan. Foremost: Manufactured homes, Auto, Recreational Vehicles; based in Grand Rapids, Michigan. Pekin: Home, Auto, Business & Life; based in Pekin, Illinois. Progressive: Auto, Boat, Motorcycle, RV, High Risk Drivers; based in Cleveland, Ohio. SECURA: Home, Auto, Business, Specialty Lines; based in Appleton, Wisconsin. West Bend: Home, Auto, Business, Specialty Line; based in West Bend, Wisconsin. Health Insurance: Assurant: Small group & Individual Health, Group Dental, HSA’s. Based in New York. Humana: Small group & Individual Health, Based in Kentucky. WPS: Individual & Group Health, HMO, Life, Disability, Dental, Vision. Based in Wisconsin. Aviation Insurance: AIG and United States Aviation Insurance Group (USAIG): Aircraft.
DID YOU KNOW... **Atlanta druggist John Stith Pemberton is credited as the original creator of Coca-Cola. The recipe had never really taken off by the time Pemberton died in 1888. He was buried in an unmarked pauper’s grave. **Auto insurance is now the law! Please place insurance ID cards in your auto for proof in case you are stopped!!
WINTER REMINDERS As the winds start to whip off of the lake and bay, here are a few helpful hints for protecting your home and business from seasonal damage. To reduce the risk of frozen pipes when property is unoccupied:
To protect your property from the elements:
To prevent animal infestation:
To minimize chances of theft:
For a complete seasonal winterization checklist for your home, please call our office. Source: SECURA Prevention Connection
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