Most people think that as you get older so does your brain. You can now set aside everything you believe about how your brain works with age. A recent study on this subject is mind-boggling. "Long-standing wisdom has been that brain function is destined to decline as we age," says Elizabeth Zelinski, PhD, a professor at the University of Southern California. "The good news is, that's simply not true." In fact, research now suggest you have a good chance of keeping your brain sharp if you commit to the right kind of concentrated effort. Scientist have recently came up with the term "brain plasticity" which means you can improve your brain function at any age.
Since the science is still new and evolving there is some controversy over how to build and maintain your brain. However there is a common agreement that in order to enhance brain function, activities must be both stimulating and challenging. Exercise your brain by doing crossword puzzles, learning to play a new instrument, play catch, etc.
One of the daily life activities that can benefit significantly from enhanced brain fitness is driving. This is good news for both older drivings and concerned adult children of older drivers. A car can swerve into your lane or a driver in front of you can clam on the brakes. A few millisecond in your reaction time can make the difference between a scare and a bad crash. That is why it is important to take an active role in staying safe on the road as you age.
For more information on brain fitness including fun activities to test your brain power visit. http://www.hartfordbrainfitness.com/
At CIS we are committed to taking care of our clients and providing them with the most accurate and up to date information. This blog is just one small step to informing you as a driver on how to stay safe and sharpen your brain.
http://www.cisforyou.com/
Showing posts with label colorado insurance. Show all posts
Showing posts with label colorado insurance. Show all posts
Tuesday, September 20, 2011
Thursday, September 1, 2011
Be Prepared for Labor Day Weekend!
We want to wish everyone a fun and safe labor day weekend. We know many of you will be doing one last road trip or camping trip to wrap up the summer season. When taking long road trips or driving up the mountains it is important to be prepared for anything. At CIS we have come up with a car emergence kit. Having an emergency preparedness kit in your car is sort of like having good insurance. You hope you'll never need it-but boy are you glad it's there on road trips if you have an accident or need to help others.
Emergency kits with most essentials cost $30 to $100 at stores that sell auto accessories. You can also assemble your own kit in case of an emergency, heres what you should include.
Use a sturdy canvas bag with handles or a plastic bin to store your emergency preparedness kit and secure it so it doesn't roll or move when the car is moving. Include the following:
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Emergency kits with most essentials cost $30 to $100 at stores that sell auto accessories. You can also assemble your own kit in case of an emergency, heres what you should include.
Use a sturdy canvas bag with handles or a plastic bin to store your emergency preparedness kit and secure it so it doesn't roll or move when the car is moving. Include the following:
- Flashlight and extra batteries
- Cloth or roll of paper towels
- Jumper cables
- Blankets
- Flares or warning triangles
- Nonperishable snacks, such as energy or granola bars
- Drinking water
- Extra clothes
- First-aid kit
- Basic tool kit that includes screwdrivers, pliers and adjustable wrench
- Phone charger
- Auto-safety hammer
- Copy of insurance ID card
http://www.cisforyou.com/
Thursday, August 25, 2011
August: Deadliest Month
It's true August is the deadliest month on the road. According to National Highway Traffic Safety Administration, going back to 1994 more Americans die in the month of August from car crashes than any other month of the year. In 2009 the agency says an average of 93 people die each day from motor vehicle crashes. That is one death every 16 minutes. However, the number of people killed in August 2009 dropped by almost 400 from 2008. August leads as the deadliest month, with September following in second, July is third and March as the safest.
Deadliest days of the week are weekends by no surprise. That is when Americans tend to run extra errands, visit family and when drunk driving increases. Saturdays are the deadliest day of the week averaging 123 deaths with Sundays coming in second with 107 deaths and Fridays following in third with 102 deaths on average. The safest day of the week are Tuesdays with an average of 69 deaths. National Highway Traffic Safety Administration has also narrowed down the deadliest hours between 6 pm and 8:59 pm where they report more than four people die an hour.
Of course we do not advise for everyone to stay off of the road for the month of August. Nor do we think no one should drive on the weekends or during rush hour. We give this information so you can be aware and remember that more people are on the road during these times which means more distracted driving, more people not paying attention and more people in a hurry to get somewhere. Focus on the only on the road and solely on driving only when you are behind the wheel.
At CIS we understand that accidents DO happen. That is why it is important to be properly protected and have a company that looks out for you, your loved ones and your vehicle. Get a free no obligation quote today. We are not just insurance agents, we are specialists. www.cisforyou.com
Deadliest days of the week are weekends by no surprise. That is when Americans tend to run extra errands, visit family and when drunk driving increases. Saturdays are the deadliest day of the week averaging 123 deaths with Sundays coming in second with 107 deaths and Fridays following in third with 102 deaths on average. The safest day of the week are Tuesdays with an average of 69 deaths. National Highway Traffic Safety Administration has also narrowed down the deadliest hours between 6 pm and 8:59 pm where they report more than four people die an hour.
Of course we do not advise for everyone to stay off of the road for the month of August. Nor do we think no one should drive on the weekends or during rush hour. We give this information so you can be aware and remember that more people are on the road during these times which means more distracted driving, more people not paying attention and more people in a hurry to get somewhere. Focus on the only on the road and solely on driving only when you are behind the wheel.
At CIS we understand that accidents DO happen. That is why it is important to be properly protected and have a company that looks out for you, your loved ones and your vehicle. Get a free no obligation quote today. We are not just insurance agents, we are specialists. www.cisforyou.com
Wednesday, August 17, 2011
Go Green! For Your Wallet & The Environment
You do not need to spend a fortune on a hybrid to drive green. Making even a small improvement to your car's fuel efficiency can make a big difference to the environment. Here are a few green driving tips to reduce the carbon footprint of the car that's already sitting in your driveway-and in the process, save your money!
1. Get a tune-up for the environment
Proper maintenance can have a big impact on how much gas you use. The payback for repairs varies, but fixing a serious problem like a malfunctioning oxygen sensor can improve fuel efficiency by as much as 40%
2. Pay attention to your tires
The next time you need new tires, consider buying low rolling resistance (LRR) tires. Rolling resistance is essentially the energy that your tires consume as they compress under the weight of your vehicle. LRR tires can improve fuel efficiency by 1.5 to 4.5 %
Proper inflation can even make a big difference on regular tires. The Department of Energy estimates that under inflated tires waste 1.2 billion gallons of gas a year. Once a month you should check your tire's pressure, you can find the correct inflation number for your vehicle in the owner's manual. Do not go by the number listed on the tire itself, as that reflects the maximum pressure the tire can withstand.
3. Lose the junk in your trunk
Those miscellaneous items that we haul around can add up to lots of extra weight-a hundred pounds equals about 2 % reduction in gas mileage.
4. Update your oil
Engines on newer car models (those less than 10 years old) often require lightweight oil such as 0W20 or 0W30. (The lower the number before the W, the easier the engine will start in the cold weather, the number after the W represents the oil's thickness.) Not only does thicker oil reduce your car's fuel efficiency it can fail to lubricate the small spaces in a modern engine.
5. Adjust your octane
Many drivers (estimates of 9 million) mistakenly believe that pumping premium gasoline in their tank will help their engines run better; some drivers periodically opt for higher grades thinking it will help them clean out the car's fuel system. In both cases this is a wasted effort. If your car wasn't designed to run on high-octane gas then using it will cause more unburned fuel to get into the emissions system. Premium gas also requires more energy to refine, so buying it when you don't have to is bad for the environment at both the production and consumption ends of the market.
6. Go green when you need to cool off
On short trips and when driving around town, keeping your windows downs is more efficient than using the air conditioner. At highway speeds, use the air conditioner, as open windows create drag when moving fast. A green driving tip: Using the vents is the most fuel-efficient colling option of all.
7. Drive gently
Jackrabbit starts and screeching stops are hard on your vehicle and increase fuel consumption. Flooring the gas pedal just once can emit as much carbon monoxide as half an hour of normal driving. Every car has an optimal range for fuel economy (check your owner's manual for range.) For every 5 mph over this range you drive, you're reducing fuel efficiency by about 7%
8. Be eco-friendly, even when parked
Gas can evaporate even from a closed tank and heat speeds up the process so park in the shade when possible. By doing so, you will also reduce the amount of energy needed to cool your car when you start driving.
Hope these friendly tips will help your wallet and we know it will help the environment.
http://www.cisforyou.com/
1. Get a tune-up for the environment
Proper maintenance can have a big impact on how much gas you use. The payback for repairs varies, but fixing a serious problem like a malfunctioning oxygen sensor can improve fuel efficiency by as much as 40%
2. Pay attention to your tires
The next time you need new tires, consider buying low rolling resistance (LRR) tires. Rolling resistance is essentially the energy that your tires consume as they compress under the weight of your vehicle. LRR tires can improve fuel efficiency by 1.5 to 4.5 %
Proper inflation can even make a big difference on regular tires. The Department of Energy estimates that under inflated tires waste 1.2 billion gallons of gas a year. Once a month you should check your tire's pressure, you can find the correct inflation number for your vehicle in the owner's manual. Do not go by the number listed on the tire itself, as that reflects the maximum pressure the tire can withstand.
3. Lose the junk in your trunk
Those miscellaneous items that we haul around can add up to lots of extra weight-a hundred pounds equals about 2 % reduction in gas mileage.
4. Update your oil
Engines on newer car models (those less than 10 years old) often require lightweight oil such as 0W20 or 0W30. (The lower the number before the W, the easier the engine will start in the cold weather, the number after the W represents the oil's thickness.) Not only does thicker oil reduce your car's fuel efficiency it can fail to lubricate the small spaces in a modern engine.
5. Adjust your octane
Many drivers (estimates of 9 million) mistakenly believe that pumping premium gasoline in their tank will help their engines run better; some drivers periodically opt for higher grades thinking it will help them clean out the car's fuel system. In both cases this is a wasted effort. If your car wasn't designed to run on high-octane gas then using it will cause more unburned fuel to get into the emissions system. Premium gas also requires more energy to refine, so buying it when you don't have to is bad for the environment at both the production and consumption ends of the market.
6. Go green when you need to cool off
On short trips and when driving around town, keeping your windows downs is more efficient than using the air conditioner. At highway speeds, use the air conditioner, as open windows create drag when moving fast. A green driving tip: Using the vents is the most fuel-efficient colling option of all.
7. Drive gently
Jackrabbit starts and screeching stops are hard on your vehicle and increase fuel consumption. Flooring the gas pedal just once can emit as much carbon monoxide as half an hour of normal driving. Every car has an optimal range for fuel economy (check your owner's manual for range.) For every 5 mph over this range you drive, you're reducing fuel efficiency by about 7%
8. Be eco-friendly, even when parked
Gas can evaporate even from a closed tank and heat speeds up the process so park in the shade when possible. By doing so, you will also reduce the amount of energy needed to cool your car when you start driving.
Hope these friendly tips will help your wallet and we know it will help the environment.
http://www.cisforyou.com/
Friday, August 12, 2011
7 Simple Ways to Change Driving Habits
According to National Highway Transportation Safety Administration (NHTSA) Distracted driving has led to more than 5,400 highway deaths and 448,000 accidents this past year.
To keep your mind on the road and your care out of an accident, follow these 7 easy safe driving tips!
1. Stow all phones-even hand free ones
Talking or texting behind the wheel is perhaps one of the most
important driving habits to break. Of all highway deaths last year,
18% involved drivers using a cell phone before the crash. When
talking on a cell phone your risk of accident quadruples and texting
makes you eight times more likely to crash!
2. Listen to-don't watch GPS devices
High-tech gadgets are supposed to help you navigate unknown streets,
but if you fiddle with the controls or pay more attention to the
screen than the road, you jeopardize your car safety. Program your
destination before you start driving and rely on verbal cues from GPS
instead of the screen.
3. Go 3-D when looking for an address
Before you head out to an unfamiliar destination, review maps and
directions. One tool CIS finds helpful is Google Map's Street View.
The 3-D view gives you visual clues so you don't have to take your
eyes off the road to look for street signs or house addresses.
4. Adjust Controls and set the playlist before you roll
Don't fiddle with gadgets like the radio, iPod, or climate controls
while driving. Set up everything before you turn on the ignition. If
it takes more than a glance to adjust a control, wait until you're
stopped to fix it.
5. Ban conflict-inducing conversations
When you talk with others in the car, heated arguments may pull your
attention away from the traffic signals and pedestrians. Make it a
habit that you'll save deep discussions for outside the car. The same
can be said for handling a misbehaving child.
6. Buckle up Rex
Unpredictable, unsecured pets can cause major distracted driving
concerns. There are a variety of restraints suitable for your type of
pet and car; from a cage in the back to a harness that can be buckled
with the seat belt. The backseat is also the best place for pets,
that way you won't be tempted to pet or feed them.
7. Take breaks to avoid spacing out
Daydreaming in a car can end up as a nightmare. If your mind is
wandering pull over to jot it down or make a phone call. Don't let it
keep running through your head. Take regular breaks, one at least
every two hours.
Get a FREE no obligation quote today from CIS!
http://www.cisforyou.com/
To keep your mind on the road and your care out of an accident, follow these 7 easy safe driving tips!
1. Stow all phones-even hand free ones
Talking or texting behind the wheel is perhaps one of the most
important driving habits to break. Of all highway deaths last year,
18% involved drivers using a cell phone before the crash. When
talking on a cell phone your risk of accident quadruples and texting
makes you eight times more likely to crash!
2. Listen to-don't watch GPS devices
High-tech gadgets are supposed to help you navigate unknown streets,
but if you fiddle with the controls or pay more attention to the
screen than the road, you jeopardize your car safety. Program your
destination before you start driving and rely on verbal cues from GPS
instead of the screen.
3. Go 3-D when looking for an address
Before you head out to an unfamiliar destination, review maps and
directions. One tool CIS finds helpful is Google Map's Street View.
The 3-D view gives you visual clues so you don't have to take your
eyes off the road to look for street signs or house addresses.
4. Adjust Controls and set the playlist before you roll
Don't fiddle with gadgets like the radio, iPod, or climate controls
while driving. Set up everything before you turn on the ignition. If
it takes more than a glance to adjust a control, wait until you're
stopped to fix it.
5. Ban conflict-inducing conversations
When you talk with others in the car, heated arguments may pull your
attention away from the traffic signals and pedestrians. Make it a
habit that you'll save deep discussions for outside the car. The same
can be said for handling a misbehaving child.
6. Buckle up Rex
Unpredictable, unsecured pets can cause major distracted driving
concerns. There are a variety of restraints suitable for your type of
pet and car; from a cage in the back to a harness that can be buckled
with the seat belt. The backseat is also the best place for pets,
that way you won't be tempted to pet or feed them.
7. Take breaks to avoid spacing out
Daydreaming in a car can end up as a nightmare. If your mind is
wandering pull over to jot it down or make a phone call. Don't let it
keep running through your head. Take regular breaks, one at least
every two hours.
Get a FREE no obligation quote today from CIS!
http://www.cisforyou.com/
Thursday, July 28, 2011
DNT TXT N DRV
Those of you that know how to text, tweet, fb & email on your mobile phone are probably guilty of distractive driving. It is easy to think you can send a quick text, check your email inbox or tweet what you are doing while stopped at a light or sitting in traffic. Truth is, texting while driving can be just as dangerous as driving under the influence.
Car and Driver Magazine conducted a study to see which distraction influences the reaction time to braking while driving a vehicle. They rigged a car with a red light in the windshield to act like a brake light for a vehicle in front of them. When driving 70 mph it took .54 seconds for the unimpaired driver with no distractions to brake. When legally drunk (.08) it added an extra 4 feet, while reading an email it added 36 feet and when sending a text it added 70 feet!
America averages over 75 billion text messages a year. Over 50 percent of teen drivers admit to texting while driving and 40 percent of crashes in urban areas are related to distractive driving. According to The National Highway Traffic Safety Administration over 515,000 people have been injured because of distracted drivers and a startling 5,800 people were killed in 2008. Fatality Accident Reporting System concludes that between 2001 & 2007, 16,141 lives were taken because of cell phone use while driving.
Colorado State law prohibits drivers under age of 18 to use hand held cell phones at all. It is also a crime for any driver to text, email or tweet while driving. Governor Bill Ritter signed the bill in 2009 and assigned a $50 fine for first time offenders and $100 fine for second time offenders. It is important for parents to preach to their teen drivers about the dangers of distractive driving and of course lead by example. If you absolutely need to text, tweet, email or fb pull over and come to a complete stop before reaching for your hand held device. Also, those with Blackberries and Android phones can download an application that restricts you from texting while driving.
A text, tweet and email can wait so do not let your smart phone allow you to do something stupid. In one single second your whole life could change for the worse. A BRB, LOL & TTYL can wait.
Work Cited
Chester, S. (2010, September 24). Texting while driving responsible for 16,000 deaths in 6 years [Web log message]. Retrieved from http://techcrunch.com/2010/09/24/study-texting-while-driving-responsible-for-16000-deaths-in-6-years
Genachowskis, J. Federal Communications Commission, Testimony to Senate Commerce Committee. (2009). Texting while driving Washington, DC: Federal Communications Commission. Retrieved from http://www.fcc.gov/guides/texting-while-driving
LeBeau, P. (2009, June 25). Texting and driving worse than drinking and driving [Web log message]. Retrieved from http://www.cnbc.com/id/31545004/site/14081545
Friday, July 8, 2011
The Sun Is Shining so…What’s this talk about Umbrellas!?!
Yes, there is such a thing as an “umbrella policy” in insurance. This policy acts just like it sounds, it covers your underlying policies to protect you financially when dealing with a liability claim. This policy kicks in once your underlying policy limits are exhausted. For example, if your auto liability limit is $500,000 and you get into an accident that exceeds the $500,000 your umbrella would drop down and pay for the additional expenses. Umbrella policies typically run by the millions, starting as low as one million and are only eligible on auto policies that carry at least a single limit of $500,000. Premiums can vary depending on driving record, number of drivers in household, amount of homes etc. Typically a premium is between $150-$200 a year per million. The term “umbrella” in plain words, shields the insured’s assets more broadly then their primary policies would.
Not only does this policy drop down once the primary policy limits are exhausted but it also provides coverage to claims that may be excluded. False arrest, libel, slander and civil suits are prime examples. It used to be that only the wealthy needed or wanted this policy. However, now that anyone can sue for any reason, at any time, an umbrella adds the extra protection you might need. It is important to know that people can be declined from this type of policy and that is why it is important to work with your insurance agent to find out if you are a fit candidate for this extra insurance.
Don’t be caught out in the rain, get an umbrella policy so you aren’t trapped in financial pain!
Always feel free to visit our site http://www.cisforyou.com/ for a free quote on your auto or home!
Friday, May 13, 2011
Plan Ahead
Plan Ahead for a Wildfire
Colorado has already experience multiple wildfires this year that have destroyed numerous structures and land. The dry and warm Colorado climate is a dangerous recipe for wildfires. Whether you live in the mountains, on the plains or even in the city it is important to make sure you and your possessions are prepared for an evacuation.
Insurance Checkup
The first thing you should do is look over your insurance policy and make sure the replacement cost of your structure (Coverage A) is accurate and would cover 100 percent of your structure. Another coverage you need to check is your personal property (Coverage C) to be sure it is enough and is covered at replacement cost.
Home Inventory
It never hurts to have all of your most valuable and expensive possessions documented. You may want to take pictures or videos of each room and store them on a portable computer or USB port. Make a complete list of major possessions or appliances including where you bought them, make, model, serial number and copy of receipts or appraisals.
Know where documents are at
If you have made an inventory list but do not know where it is off the top of your head then it is not helpful! Try keeping a file box or folders that are easily assessable for you but also in a safe location. You should have a copy or actual document of the following:
House inventory
Insurance policy/contract/agent contact information
Social Security cards
Driver’s license
Credit cards
Vehicle Titles
Passports
Health insurance cards
Birth certificates
Vaccinations and registration records for pets
A disaster kit
It wouldn’t hurt to have an extra pair of clothes, shoes, blankets, towels, medications, car keys and gloves. In most cases there is a red cross at relief sites that would provide you with the essentials but it is always nice to have your own clothes on your back when going through a disaster.
Plan for your pets
Make arrangements in advance for where your furry friends would go in the event of an evacuation. Also be sure to keep your pets registrations accurate including contact information. Supplies and information for your pet should also be kept in your evacuation kit. For larger animals include the essentials such as food, bandages, supplements, wire cutters, etc that would last up to 14 days.
Follow the steps
Now that you have these few easy steps to prepare for a wildfire take the necessary actions to be ready. When a fire is approaching your home and you have only minutes to evacuate you most likely will panic. Being prepared will lesson your chances of forgetting something and will help you get out of your house faster. Be sure to visit our blog next week to learn about how to prepare your home to lessen the chances of damage and fire-smart landscaping.
http://www.cisforyou.com/
Wednesday, April 27, 2011
Should I have Uninsured Motorist coverage??
Is Uninsured Motorist coverage mandatory in the state of Colorado? No. Should you have it? Absolutely!
Uninsured Motorist coverage protects you against bodily injury, medical expenses, rehabilitation and loss wages that you may occur when involved in an accident caused by another driver that has lower liability limits or no liability insurance at all. Insurance providers must offer this coverage with any new business or at renewal. Typically this coverage “automatically” comes with your auto policy but you do have the option to reject the coverage. This coverage usually matches your liability limits and can only be purchased as an addition to a primary insurance policy. When purchasing UM you are covering the policy holder, all drivers listed on the policy and in some circumstances passengers.
Hopper, Jenny. (2010, January 29). Many motorist still uninsured in spite of law [Web log message]. Retrieved from http://www.autoquotenow.com/auto-insurance-news/state/many-motorists-still-uninsured-in-colorado-in-spite-of-law-1892.php
What is uninsured motorist coverage? [Web log message]. (2008, August 14). Retrieved from http://www.thetruthaboutinsurance.com/what-is-uninsured-motorist-coverage/
Visit us today for a free quote! http://www.cisforyou.com/
Uninsured Motorist coverage protects you against bodily injury, medical expenses, rehabilitation and loss wages that you may occur when involved in an accident caused by another driver that has lower liability limits or no liability insurance at all. Insurance providers must offer this coverage with any new business or at renewal. Typically this coverage “automatically” comes with your auto policy but you do have the option to reject the coverage. This coverage usually matches your liability limits and can only be purchased as an addition to a primary insurance policy. When purchasing UM you are covering the policy holder, all drivers listed on the policy and in some circumstances passengers.
“According to a data released by the Insurance Research Council (IRC), the probability of being caught in a vehicular accident with an uninsured driver in Colorado is as high as 15%” (Hopper, 2010). Colorado was even ranked 16th in having the most uninsured drivers on the streets. With these staggering facts it is very important to make sure your auto policy has this coverage and to discuss your limits with your agent. At CIS we make sure our clients are always covered and automatically quote each policy with UM because we know how important it can be.
Work Cited
What is uninsured motorist coverage? [Web log message]. (2008, August 14). Retrieved from http://www.thetruthaboutinsurance.com/what-is-uninsured-motorist-coverage/
Visit us today for a free quote! http://www.cisforyou.com/
Wednesday, April 13, 2011
Loss Assessment
Loss Assessment
When being an owner of a condo unit you also become a part owner of the “common area” of the condominiums association. For example, if there are 200 condos in your association you are 1/200th owner of the common area. Your personal insurance covers everything from the sheet rock in while your HOA covers everything from the sheet rock out. Since you are an individual owner of a unit and a “part” owner of the common area it is very important that your individual property insurance includes loss assessment.
Loss assessment means if your HOA experiences a large loss involving liability claims or property damage (hail, wind, lawsuit etc) they will come after all the residents to reach the HOA’s insurance deductible. When you purchase loss assessment for your individual insurance policy you are protecting yourself in case of a large claim with your HOA. Loss assessment pays up to the limit on your policy without you being subject to your deductible. Many insurance carriers automatically include $1,000 of loss assessment, however it is important to talk to your insurance agent to see what it would cost to increase your limit. Some companies max is $10,000 while others can be up to $100,000.
You do not want to be the neighbor who is paying $2,000 or $10,000 to the HOA because you did not add or increase your loss assessment limits to your policy. It is a relatively cheap endorsement that could come in vital after your neighborhood has experienced a large loss.
Get a free quote today or review your coverage with one of our insurance specialist at CIS.
1-888-265-6467
Tuesday, March 8, 2011
Winter Driving Tactics
During this time of year, many of us wake up to snow, sleet or freezing rain. Yet, we still need to climb behind the wheel and head to work, school or run errands. During the winter season it is important to keep a couple things in mind when living in this bi-polar weather state!
Always plan ahead
Keep an eye on the weather and see how much it is supposed to snow within the next hour or days ahead. If you are less experienced with navigating slick roads, take extra time before you head out. Staying calm and patient will make your trip go a bit more smooth.
Be on the defense
Consider taking a defensive driver class. Not only will this class come in handy when making the treacherous drive but could give you a discount on your auto policy. It is an inexpensive way to brush up on how to respond accordingly in dangerous driving situations and adverse conditions.
Take Care and Repair
According to Car Care Council, more than 5% of all vehicle accidents result from insufficient vehicle maintenance. Be sure to never skip out on a routine checkup especially during seasons of extreme weather.
Park it
It may sound simple but the best way to keep your car working and not involved in an accident is to not drive it during winter storms. Driving in severe conditions increases your chance of being involved in an accident. It's always best to stay safe at home than risk damage to your car or worse.
Since accidents do happen it is so important to be with an insurance company that will be there for you and your family in an emergency. At CIS we do business with 6 major insurance carriers that are all A/A+ rated with AM BEST. Our companies and claims services will be there for you when the roads get messy and an accident happens.
http://www.cisforyou.com/
Always plan ahead
Keep an eye on the weather and see how much it is supposed to snow within the next hour or days ahead. If you are less experienced with navigating slick roads, take extra time before you head out. Staying calm and patient will make your trip go a bit more smooth.
Be on the defense
Consider taking a defensive driver class. Not only will this class come in handy when making the treacherous drive but could give you a discount on your auto policy. It is an inexpensive way to brush up on how to respond accordingly in dangerous driving situations and adverse conditions.
Take Care and Repair
According to Car Care Council, more than 5% of all vehicle accidents result from insufficient vehicle maintenance. Be sure to never skip out on a routine checkup especially during seasons of extreme weather.
Park it
It may sound simple but the best way to keep your car working and not involved in an accident is to not drive it during winter storms. Driving in severe conditions increases your chance of being involved in an accident. It's always best to stay safe at home than risk damage to your car or worse.
Since accidents do happen it is so important to be with an insurance company that will be there for you and your family in an emergency. At CIS we do business with 6 major insurance carriers that are all A/A+ rated with AM BEST. Our companies and claims services will be there for you when the roads get messy and an accident happens.
http://www.cisforyou.com/
Thursday, March 3, 2011
Liability Coverage
With over 30 million automobile accidents every year and 40,000-50,000 of them resulting in death it is VERY important to make sure you and your loved ones have the coverage you need. Even though auto insurance is not something that we look forward to paying every month it will protect you in a major accident or catastrophe. By Colorado law every citizen that either owns or operates a vehicle must carry liability limits of at least 25,000/50,000/15,000. Which means the auto insurance will pay up to $25,000 of personal bodily injury per person in one accident, up to $50,000 of personal bodily injury per one accident and $15,000 total for property damage per each accident.
At CO Insurance Specialist we advise that our insureds carry higher than the state minimum requirements. We feel and have experienced that the minimum limits per person are far too low for our clients. With the price of vehicles, hospital visits and attorney fees on the rise you can imagine that even a minor accident can add up quickly.
We urge you to look over your current auto insurance policy and make sure your liability limits are higher than the state minimum and that you are fully covered in case of an accident. Although paying a little less each month may seem worth it now, think of what it would be to pay $5,000 to $50,000 out of your pocket all at once after a major accident.
For any more insurance questions or quotes please visit us online @ http://www.cisforyou.com/ or call us @ 1-888-265-6467
At CO Insurance Specialist we advise that our insureds carry higher than the state minimum requirements. We feel and have experienced that the minimum limits per person are far too low for our clients. With the price of vehicles, hospital visits and attorney fees on the rise you can imagine that even a minor accident can add up quickly.
We urge you to look over your current auto insurance policy and make sure your liability limits are higher than the state minimum and that you are fully covered in case of an accident. Although paying a little less each month may seem worth it now, think of what it would be to pay $5,000 to $50,000 out of your pocket all at once after a major accident.
For any more insurance questions or quotes please visit us online @ http://www.cisforyou.com/ or call us @ 1-888-265-6467
Work Cited
"Noble Continuing Education." Personal Property Insurance. ED. houston: noble continuing education, 2005. Print.
Wednesday, February 23, 2011
UMPD?? What's that??
One term that many people are not familiar with is uninsured motorist property damage, also known as UMPD. This is an endorsement you can add to your policy if you have a vehicle with Liability Only. UMPD covers your vehicle if a driver with out insurance hits you and damages your vehicle. With this coverage you are subject to a deductible (usually $200 or $250) and it runs approximately $2 a month.
It is important to understand if you have this coverage or want this coverage. If your vehicle is Liability Only and you do not have UMPD and a driver with out insurance hits you and totals your vehicle, then you are out a vehicle. However, if you have UMPD and your vehicle is hit and totalled by an uninsured driver, your company will pay to fix or replace your vehicle. With 15% of drivers in Colorado not insured it is imperative to understand if you and your vehicle will be covered in case of an accident.
visit us @ http://www.cisforyou.com/ to get a free quote and make sure you and your vehicles are properly covered.
It is important to understand if you have this coverage or want this coverage. If your vehicle is Liability Only and you do not have UMPD and a driver with out insurance hits you and totals your vehicle, then you are out a vehicle. However, if you have UMPD and your vehicle is hit and totalled by an uninsured driver, your company will pay to fix or replace your vehicle. With 15% of drivers in Colorado not insured it is imperative to understand if you and your vehicle will be covered in case of an accident.
visit us @ http://www.cisforyou.com/ to get a free quote and make sure you and your vehicles are properly covered.
Tuesday, February 15, 2011
Don't Assume It's Covered
Did you get a nice piece of jewelry for Valentines Day this year? If so, it is important to understand what articles are automatically covered under your personal property insurance and which articles you may want to Schedule.
The contents of your home such as furniture, clothing, electronics etc. are considered personal property. Your personal property can be found under coverage C of a dwelling policy. These items will be covered as long as you own it as the insured and as long as it is used by you as the insured anywhere in the world. The limit of your personal property coverage is based off of the amount your home is insured for, typically this amount is 70% of the homes insured value.
There are limits of liability that apply to many items. The following is the common limit on each article but it is important to remember that many insurance companies vary.
*Money, bank notes, gold other than gold wear, silver other than silver wear, coins & medals: $200
*Securities, accounts, deeds, evidence of debts, letters of credit, passports, tickets & stamps: $1,000
* Water craft, trailers, furnishings, equipment and outboard motors all under 50 HP: $1,000
* Trailers not used with water craft: $1,000
* Theft of jewelry, watches, furs, precious and semiprecious stones: $2,500
*Loss of firearms by theft: $2,500
*Theft of silverware, silver-plated ware, gold ware, gold-plated ware and pewter ware: $2,500
* Property on the residence premises used for business purposes: $2,500
Discuss with your agent what limits you have on these certain personal property items and keep in mind you are subject to your deductible in case of a loss. If you feel that your articles are worth more than the policy limits then you should add the Scheduled Personal Property Endorsement. This endorsement allows you to increase your limits of coverage on your valuable articles and covers you for mysterious disappearance. This means for example if you drop your ring down the drain or lose it on a trip your item will be covered.Scheduling is not subject to your deductible and usually runs about ten dollars per thousand.
So make sure your valuable items you own are fully covered with the Scheduled Personal Property Endorsement.
Always remember, here at CIS we have over 30 years of insurance experience, which makes us not just agents but insurance specialist.
http://www.cisforyou.com/
The contents of your home such as furniture, clothing, electronics etc. are considered personal property. Your personal property can be found under coverage C of a dwelling policy. These items will be covered as long as you own it as the insured and as long as it is used by you as the insured anywhere in the world. The limit of your personal property coverage is based off of the amount your home is insured for, typically this amount is 70% of the homes insured value.
There are limits of liability that apply to many items. The following is the common limit on each article but it is important to remember that many insurance companies vary.
*Money, bank notes, gold other than gold wear, silver other than silver wear, coins & medals: $200
*Securities, accounts, deeds, evidence of debts, letters of credit, passports, tickets & stamps: $1,000
* Water craft, trailers, furnishings, equipment and outboard motors all under 50 HP: $1,000
* Trailers not used with water craft: $1,000
* Theft of jewelry, watches, furs, precious and semiprecious stones: $2,500
*Loss of firearms by theft: $2,500
*Theft of silverware, silver-plated ware, gold ware, gold-plated ware and pewter ware: $2,500
* Property on the residence premises used for business purposes: $2,500
Discuss with your agent what limits you have on these certain personal property items and keep in mind you are subject to your deductible in case of a loss. If you feel that your articles are worth more than the policy limits then you should add the Scheduled Personal Property Endorsement. This endorsement allows you to increase your limits of coverage on your valuable articles and covers you for mysterious disappearance. This means for example if you drop your ring down the drain or lose it on a trip your item will be covered.Scheduling is not subject to your deductible and usually runs about ten dollars per thousand.
So make sure your valuable items you own are fully covered with the Scheduled Personal Property Endorsement.
Always remember, here at CIS we have over 30 years of insurance experience, which makes us not just agents but insurance specialist.
http://www.cisforyou.com/
Tuesday, February 8, 2011
What to do in case of an accident
With the roads covered in snow and accidents more likely to happen, it is important to remember what to do when involved in an accident. Listed below are things you should immediately do after an accident:
* Remain at the scene of the accident.
* Take steps to prevent further accidents-park safely, turn on emergency flashers.
* Call the police or ask someone to call for you.
*Give the other driver(s) your name, insurance company phone number, the vehicle's license plate number and your drivers license number.
*Obtain the same information from all other parties involved and witnesses.
* Do not admit fault. Discuss the specifics of the accident only with the police.
* If you have a digital camera or camera phone, take photos of the accident scene and vehicles if it is safe to do so.
* Call your insurance carrier toll-free hot line immediately. It is important to call right away so they can get to work settling your claim fast, fair and hassle-free.
It is important to remain calm, make sure you are not injured and get as much information as possible from all parties involved.
http://www.cisforyou.com/
* Remain at the scene of the accident.
* Take steps to prevent further accidents-park safely, turn on emergency flashers.
* Call the police or ask someone to call for you.
*Give the other driver(s) your name, insurance company phone number, the vehicle's license plate number and your drivers license number.
*Obtain the same information from all other parties involved and witnesses.
* Do not admit fault. Discuss the specifics of the accident only with the police.
* If you have a digital camera or camera phone, take photos of the accident scene and vehicles if it is safe to do so.
* Call your insurance carrier toll-free hot line immediately. It is important to call right away so they can get to work settling your claim fast, fair and hassle-free.
It is important to remain calm, make sure you are not injured and get as much information as possible from all parties involved.
http://www.cisforyou.com/
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