Distracted Driver

Avoiding distractions while driving could save your life

 

You’ve seen them on the roads; you might even know a few of them.

 

And you could be one yourself.

 

Distracted drivers in come in all shapes, sizes, ages and experience levels. Even if you’re not one today, you could become one at any moment — in the time it takes you to answer your cell phone or check the kids in the back seat when you’re driving through Hallie

 

If you or someone else you know thinks you can drive just fine while talking on your phone, think about this: More than 450,000 people were injured in crashes that reportedly involved distracted driving in 2009, according to the National Highway Traffic Safety Administration. More than 5,000 of those people died.

 

Distractions on the road come in many forms, according to www.distraction.gov, a U.S. Department of Transportation website. There are three main kinds of distractions:

Visual – taking your eyes off the road

Manual –taking your hands off the wheel

Cognitive – taking your mind off what you’re doing

 

To help you avoid all three kinds of distractions the next time you’re behind the wheel of your car  here are a few tips:

Put your phone in silent mode and store it away from the front seat or in a purse or bag. This helps reduce temptation.

Have a passenger answer your phone or return text messages for you.

If a call or a text can’t wait, pull over in a safe spot before using your phone.

This one seems obvious, but finish shaving or applying makeup before you get in the car!

If you’re emotional, wait until you’ve calmed down before hitting the road.

Avoid road rage. You’ll be happier and safer.

 

Whenever you’re on the road, it’s not a time to multi-task. Focus on driving safely.

Jewelry Protection

Have some new jewelry in the house? Protect it!

Ah, Valentine’s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” - and, of course, jewelry.

 

It’s exciting to receive jewelry from a loved one — or to give it as a gift. Not to mention romantic. But if you’re lucky enough to have some new jewelry in your Wisconsin

home this Valentine’s Day, you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.

 

Don’t know where to turn? Don’t worry. At Mower Insurance, we think it is exciting to help our customers protect what’s most important to them — so we’re ready to help and can answer all of your questions.

 

Things to consider when insuring jewelry:

 

You may need to purchase additional coverage. Your homeowners policy covers valuable items such as jewelry only up to set amounts. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage. You can check your policy or give us a call at 715-723-5525.

You might want to reconsider your deductible amounts. As always, this impacts your policy premium. It’s a good idea to take a look at your deductibles whenever you make a change to your policy.

Do you need an appraisal? You may need to have an independent appraisal if the insurance company requires it or if you don’t know the value of your jewelry. Each item should be listed with a description and value on paper.

What kind of coverage is offered? You’ll want to determine if items are covered no matter where they are, whether they’re in Chippewa Falls, Eau Claire, Minneapolis, or on an international trip, and if the policy offers full replacement cost. You also should ask if you will be required to replace your jewelry if lost or stolen, or if you can simply keep the cash settlement.

Pictures can be helpful. Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from.

Should I go with a company that specializes in jewelry insurance? There are companies that specialize in jewelry insurance. Whether you choose one of these, or a company that we represent, you’ll want to make sure they are reputable and stable.

Is the value of your jewelry mainly sentimental? Is an item irreplaceable? If the answer to either of these questions is “yes,” you might consider foregoing insurance. But please, talk to us at 715-723-5525 before making that decision. That’s what we’re here for.

 

Of course, it’s important to store your jewelry securely when it’s not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it’s lost or stolen, but we’d rather your sentimental and valuable pieces stay with you and your family for years to come.

 

Here’s hoping your Valentine’s Day is full of fun and romance. And if there’s no jewelry involved, well, there’s always next year!

 

Contact Us!

For further questions and assistance, please contact Mower Insurance at 715-723-5525 or tsperry@mowerins.com

Identity Theft

Your Identity Belongs to You.
Protect It!

A 2009 survey shows that identity theft is on the rise – and it’s more likely to start with a stolen wallet than an online phishing expedition.

 

Researchers at Javelin Strategy & Research reported that the number of identity theft cases increased 22 percent to 9.9 million in 2008.

 

Crimes of opportunity, such as stolen wallets, represented 43 percent of cases, compared to 33 percent in 2007, indicating an increase in the desperation of criminals.

Women were 26 percent more likely to be victims of identity theft, reporting a higher incidence of lost or stolen information during purchases in stores.

Only 11 percent of cases involved online access.

 

The smartest way to protect yourself from identity theft is to prevent it from happening to you. However, if your identity is stolen, you’ll be able to lessen problems by acting quickly.

 

•          Call your credit card companies immediately. Explain what happened, and ask where to send a copy of the police report.

•          Call and report to the police. Make several copies of police report.

•          Complete a Federal Trade Commission (FTC) Theft Affidavit and FTC report (call 1-887-ID-THEFT to request the forms).

•          Call your bank. They can place an alert on your Driver's License number and Social Security Number, and freeze your account.

•          Call fraud units of credit report agencies: Experian, Equifax, and Transunion.

 

Fortunately, identity theft protection is available as an endorsement on most homeowners’ policies at a small cost. For example, Safeco offers Identity Theft Protection for $12 a year to homeowner policy holders. The coverage reimburses certain expenses associated with identity recovery. Customers can also get guidance on how to protect themselves from ID theft before it happens and may receive assistance with identity restoration.

 

If you’re interested in learning more, call Mower Insurance at 715-723-5525 or e-mail tsperry@mowerins.com  

Spring is coming

Spring is coming to Chippewa County! (Depending on that groundhog)

With Groundhog Day just around the corner, it’s time to start thinking about spring. (Or time to at least hope that springtime is coming, anyway.) And whether Punxsutawney Phil or the local groundhog in Chippewa sees his shadow or not, we here at Mower Insurance have you covered.

 

Get ready for spring

 

Although everyone thinks of cleaning when it comes to spring, there are a number of things you should do to make sure your home is ready when the weather in the Midwest changes. Below is a selection of maintenance tasks from the National Center for Healthy Housing (you can see the full list at http://portal.hud.gov/hudportal/documents/huddoc?id=DOC_12334.pdf).

 

Check to make sure your roof’s shingles are in good condition, and check your attic for any possible roof leaks that should be repaired.

Look for peeling paint and repair/touch up as needed.

Check for signs of leaks at window and door sills and use caulking or weather stripping to seal.

Clean your dryer vent and make sure exhaust ducts are clear.

Make sure there are no puddles or wet spots in your basement or crawlspace.

Look for signs of rodents, roaches, termites, etc. Call an exterminator if you suspect an infestation.

Clean your gutters and downspouts.

Clean air conditioner coils and drain pans.

Check/replace the batteries your home’s smoke and carbon monoxide alarms.

Replace filters in your air conditioner and dehumidifier.

Store winter heaters, ensuring that liquid-fuel heaters are completely emptied. These should be stored outside, if possible.

 

What? Six more weeks of winter?

 

Well, you can take solace in the fact that spring will be here eventually. In the meantime, here are some quick tips from Johns Hopkins University to avoid the “winter blues” and get through those long weeks of waiting.

 

Keep active. Exercise releases endorphins that will elevate your mood.

Eat well. High-sugar foods and large amounts of caffeine can feed depression and actually decrease your energy level. Foods such as whole grains, fresh fruits and vegetables, seafood and lean meats can help your immune system.

Go to the light. Bring as much light into your life as possible, by spending time outdoors, opening your shades so your home receives more natural light, or even get help from a “light box.”

Get your rest. Go to bed around the same time every night and wake up at the same time each morning. You’ll have more energy during the day.

 

Of course, if you have strong feelings of depression, please seek assistance from friends, family or a trusted health-care provider. There are people ready to help, whatever the season.

 

 

SIDEBAR: Time for an insurance review?

 

If an annual insurance review wasn’t included in your New Year’s resolutions, why not get it done while you’re in the cleaning and organizing mood this spring? Your life changes over the course of a year — sometimes in monumental ways. That means your insurance needs can change, too.

 

At Mower Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time utilizing all possible credits and discounts to make that coverage affordable. Just give us a call at 715-723-5525. We want to help you meet your goals, and make sure what’s important to you is protected!