C.H. Edwards Insurance

Properly Cover Your HO/Condo Association Loss Exposures

2012-02-10T09:59:00.000-05:00

Many people are active in their condominium or homeowners association, serving as directors, officers, and editors of association newsletters. If you are an active member of your association, consider the following risk management tips and recommendations.

· Verify that the association has directors and officers (D&O) coverage in force with reasonably high limits. If the association refuses or chooses not to obtain D&O coverage, seriously reconsider your leadership activities within the group due to your unprotected liability exposure.

· If D&O liability coverage is in place, verify that this policy provides errors and omissions coverage for the proper purchase of insurance. To do this, verify that the "failure to maintain insurance" exclusion is not attached to the D&O policy.

· Ask your association to hire an independent insurance consultant to audit the association insurance program to uncover any potentially lethal coverage gaps. For example, homeowners associations should have at least the following types of coverages: guaranteed replacement cost property coverage for common areas, commercial umbrella coverage, and workers compensation insurance (even if there are no association employees) to cover claims brought by uninsured independent contractors, and D&O liability coverage.

· If you don't already have it, consider adding a personal injury (HO 24 82) or related endorsement to your New York homeowners policy.

Our representatives at C.H. Edwards, Inc. are more than happy to answer any questions or concerns that you have on this coverage or any insurance coverages.

MORTGAGE INSURANCE VS. HOMEOWNERS INSURANCE?

2012-02-03T09:34:00.001-05:00

These are actually two different types of coverages so there's really no area where they should be compared.

Coverage
For one, mortgage insurance will protect the interests of the mortgage company. This is one way that the mortgage company can protect their "investment", that is, the money they lent to you.

Mortgage insurance is required if you want to buy a house through a mortgage. The insurance will pay in case the borrower is unable to pay off their loan.

New York homeowners insurance is also required by the mortgage company. But this kind of insurance will primarily cover any damage or loss caused by a covered event. When the house or its contents are damaged or lost, the insurance will pay to cover these losses. If your homeowners insurance also has liability coverage, it will also cover against lawsuits due to injuries suffered while a visitor is in your home.

Recipient
The mortgage company receives the proceeds of the mortgage insurance. Meanwhile, the homeowners insurance is paid to the homeowner.

Who Pays
For someone who has a mortgage, he is expected to pay the premiums of both the mortgage insurance and the homeowners insurance.

Duration of the Policy
The mortgage insurance is set to cover the period where the loan is in existence, or at the least, if the borrower is able to gain at least 20% equity. The mortgage insurance company will require that you maintain your homeowners insurance for the life of the loan. But homeowners insurance is usually renewable on a yearly basis.

Benefits of the Coverage
Although the borrower will not receive the proceeds of the mortgage insurance, he can still benefit from getting this coverage. Mortgage insurance allows you to buy the home for a low down payment. Even if you can provide only as little as 5% in down payment, you can already buy and occupy the house.

As for New York homeowners insurance, the benefit is that your house and its contents are protected in case something happens to these.

Don't Let A Sinking Ship Ruin Your Vacation

2012-01-20T09:08:00.000-05:00

The scenes of the Italian cruise ship Costa Concordia running aground and capsizing off the Tuscan coast were hard to believe. Thankfully there were not more fatalities and with a passenger load of 4,600 that is a no small miracle. Many of the survivors were left without personal belongings, identification, money, etc. Getting back home much less recouping the cost of their vacation and travel will be difficult for most unless they have a good travel insurance policy.

Here are some frequently asked questions about Travel Insurance:

What is trip cancellation insurance? Trip cancellation insurance is financial reimbursement of a prepaid, non-refundable travel costs when an unforeseen event, which is a covered reason under the policy, causes a trip cancelation.

What is trip interruption insurance? Trip interruption insurance is financial reimbursement for unused prepaid travel expenses and/or the additional airfare to return home, when an unforeseen event, from which the traveler is protected under the policy, causes trip to be cut short and a return home ahead of schedule.

When is protection from an act of terrorism an included coverage? When a politically-motivated terrorist attack occurs in a city listed on a travel itinerary. The event must occur after the policy takes effect and within 30 days of departure.

Who is considered a family member under the policy? Any of the following relatives of the insured or traveling companion is considered a family member under the policy: a legal or common law spouse; a domestic partner; a parent or legal guardian; step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child or ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece, or nephew.

Your Trip Cancellation coverage takes over when your taxi driver heading to your departure airport displays his steering proficiency by broad siding a police cruiser. A lengthy detour to police HQ forces you to cancel the trip.

Check out some common travel scenarios that people can insure against. Here is one to pique your curiosity!

Protect Your Identity

2012-01-13T10:15:00.000-05:00

Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.

The FTC estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft. The crime takes many forms. Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn’t make—or until you’re contacted by a debt collector.

Identity theft is serious. While some identity theft victims can resolve their problems quickly, others spend hundreds of dollars and many days repairing damage to their good name and credit record. Some consumers victimized by identity theft may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit.

Contact a representative at C.H. Edwards to help you understand why Identity Theft Insurance is an important addition to your current insurance. Please click on our video below.

Identity Theft Video

How To Drive Distraction Free

2011-12-30T09:18:00.000-05:00

The National Highway Traffic Safety Administration estimates that drivers are distracted by secondary activities 30% of the time while driving. Whether eating, smoking, drinking, talking, or fiddling with any of the dozens of electronic gadgets in the car, this behavior can be dangerous.

And, according to a study released by the National Highway Traffic Safety Administration (NHTSA) and the Virginia Tech Transportation Institute (VTTI), 80% of crashes and 65% of near-crashes involve some form of driver distraction that reduces driving safety.

Committing to driving distraction free is not easy. But with the statistics telling us day after day that we are more likely to have an accident when we are distracted, many drivers are making an effort. Reconciling your two needs―the need to drive and the need to interact with your immediate environment―is at the root of driver distraction.

Driver distraction is actually a complicated issue.

Distractions Inside Your Vehicle

The NHTSA groups the distractions as inside or outside the vehicle. Both kinds of distractions take only a few seconds to cause an accident, but learning to deal with them can be different depending on where the distraction originates.

Cognitive Distraction: Look, but Don't See

Maybe you didn't know it, but if you have ever caught yourself daydreaming or spacing out, then you have been in a trance. Being lost in thought is like mentally checking out―and this distracts you when driving. Worry is another cognitive distraction rooted in emotions and thoughts.

Without your full attention on the driving task, you could be staring at a potential danger but not recognize it. Police reports actually include this as a reason for some crashes: "looked but didn't see." When you catch your attention drifting away, try to refocus:

· Pull over and stretch your legs

· Take a few deep breaths

· Talk yourself back into focus

Fatigue is a cognitive distraction that is extremely dangerous. Many accidents are caused by driver fatigue, and police officers even report pulling over drivers for DUI and finding out they are just sleepy. If you are drowsy―especially from medication―then you need to get off the road. Take a nap, put a relief driver behind the wheel, or park it for the night because your fatigue won't go away until you get some good rest.

Visual Distraction: Looking Away

Changing the radio station, putting in a CD, adjusting mirrors, and digging through the glove box are all visual distractions. Keep your eyes on the road so you stay in your lane and improve reaction time.

At one time, the Society of Automotive Engineers proposed a 15-second rule that meant any in-vehicle task that could be completed within 15 seconds was not truly a visual distraction. Realistically, every driver has a different tolerance for successfully dealing with these distractions.

Incidentally, cell phone use is not only a visual distraction but also a cognitive one because of the conversation you might be having. The good news is that many drivers now use hands-free accessories to steer clear of the visual distraction component.

Auditory Distraction: Follow the Sound

Noises and sounds inside the cab of your vehicle can distract you. Now, if you are listening to a clunk in your engine, then you are not really distracted but focused on an equipment problem.

But when your cell phone rings, the kids are watching a DVD, or even the radio has your attention, then you are distracted by auditory causes inside your car. To be distraction-free from sounds, you will have to silence the sources:

· Wireless phone

· On-board DVD player

· Navigational system

If you are not willing to do without these technologies, then you might try at least turning down the volume.

Biomechanical Distractions: Knob Turning

Biomechanical, in this instance, refers to you and the machine. Whenever you turn a knob, press a button, or pull a lever, you are distracted by the mechanics inside your car. Fortunately, you don't have to give up these things to rid yourself of the distraction.

Develop a habit of adjusting your mirrors when you get into the car. You can also fix your seat, adjust the lumbar and head rest, and bring down the steering wheel if you like. Now you won't have to do these things while you are driving.

Take advantage of the automation in your car. Take the time to learn your navigation system features. Many cars have two or three sets of programmable radio buttons―enough for each driver. Some upscale vehicles even have programmable buttons for seat position so that every driver pushes a button and the seat is realigned to their personal settings.

Distractions Outside Your Vehicle

As you drive down the road, you are constantly scanning as part of your defensive driving habit―right? Well, as you scan you might be visually distracted by the scenery outside your window. Other than refusing to avert your eyes from the asphalt in front of you (hardly a feasible option), you can keep your glances short.

Sounds outside your car can also be a distraction―especially blaring horns. Rely on all your senses to help you when one of them, like hearing or sight, is drawn away by an outside distraction.

It is natural to follow the sound with your gaze, but remember to quickly bring your eyes back to the road. If the sound is unfamiliar and coming from your own car, then you will want to pull over and investigate.

Willingness to Be Distracted

Whether the distraction is inside your vehicle or outside, your willingness to be distracted will influence how successful you are in freeing yourself of driving distractions. Your personality and driving experience are both factors in how easily you lose focus.

It is easier for you to control the inside of your vehicle. For example, you can make a decision to establish a pre-trip routine to set your radio buttons, mirrors, and seat before you drive. You can also decide not to eat in the car, answer the cell phone, or play movies.

Reduce your chances of having an accident by working on driver distractions. You can control distractions inside your vehicle more readily than those outside.

Get Anything Nice for Christmas? Insure it

2011-12-23T09:35:00.000-05:00

If Santa left a new TV, video game system or other pricey gift under your Christmas tree this year, you may need to update your home or renters insurance coverage.

The electronics salesman at Wal-Mart or Best Buy will tell you every single detail about the new Toshiba big-screen lightning-fast laptop, but he won't tell you that you probably don't have enough insurance to replace it if it's damaged or stolen.

For instance, homeowners who get a $2,500 laptop in their stocking may need a rider to fully cover it against damage or theft. This is because their home insurance policy may consider it a "luxury item."

Similarly, renters need to be mindful of pricey items also. If your renters insurance only provides $2,000 in coverage and your new plasma TV is damaged during a rowdy New Year's Eve party, you probably won't have enough insurance to replace it.

You've probably seen the Lexus commercial where a husband buys his wife a brand new SUV and wraps it in a huge red bow in the driveway. As you might have guessed, luxury cars cost an arm and a leg to insure, so if you're one of the lucky few who got a new ride for Christmas, it might be a good idea to obtain an insurance quote.

Nobody wants to think about a lame topic like insurance before the Christmas spirit has completely worn off, but Santa would be mighty disappointed if your new plasma TV goes up in smoke and your insurance isn't adequate to replace it. So don't upset Santa, otherwise you may get a lump of coal in your stocking next year.

In the old days, Christmas was all about families coming together and enjoying the Christmas spirit as a loving family--or so we've been told. But these days, Christmas is a time for eggnog and high-priced consumer goods, so make sure your valuables are 100 percent covered.

Is Someone Trying to Collect from Your Car Insurance by Staging a Car Accident?

2011-12-02T10:27:00.000-05:00

If you become a victim of car insurance fraud, you pay. Not only will you pay higher premiums because you may acquire a costly claim, but, as with any car accident, you and your family could pay with your lives. It is important to learn more about fraud protection so you can protect yourself from others who may choose you to be a part of their next car insurance accident fraud scam.

Insurance fraud began when insurance first began. When automobiles were introduced it opened a whole new arena for fraudulent insurance claims. Today, with modern technology, many fraudulent car accident claims do arise from sophisticated organized crime rings that can be hard to detect. Don't let this make you a victim of an insurance scam. Whether the insurance scam is from an organized crime ring or an individual, there are fraud protection steps you can take to help you be more aware and avoid being a scammer’s next victim.

First, it is important to know what types of insurance scams are used. There are many types of car insurance scams. Set-up car accidents can range from vehicles deliberately stopping in front of a driver to cause a rear-end car accident to drivers who pretend they are being helpful but intend to cause a car accident that will look like the innocent drivers fault. Scams can also involve people one would generally trust such as doctors and lawyers.

Educating yourself more about fraud protection against car insurance accident scams is the best way to avoid being someone's next victim. Here is a list of common scams to be aware of:

· Staged Rear-End Car Accidents: A scam driver will quickly get in front of an innocent car and then slam on their brakes. This causes the innocent driver to rear-end the scam driver. Along with collecting money for vehicle damages, the scam driver will often fake medical injuries to collect even more.

· Adding Damage: After an accident, either staged or not, the scam driver will go to another location and cause extensive damage to their vehicle and claim that the damage happened during the original accident.

· Fake Helpers: Scam Helpers will wave an innocent driver into traffic, but then crash into the innocent driver. When it comes time to file the claim, the scam driver will deny waving anyone in. Other ways fake helpers try to scam people is by offering to help an innocent driver find an auto repair shop, doctor, or lawyer. In this case, everyone is in on the scam. The body shop charges you enormous rates; the doctor and lawyer also lie to collect more from your insurance.

Since these scams can happen at any time and place, it is important to be prepared. Awareness is the most important. Watch for drivers who may be following you or examining your driving habits. Also, make sure you leave plenty of room in front of you in order to stop. If an accident does happen, take notes on everything about the other car, the accident, and everybody that was in the other car. Keep a disposable camera in your car to record damage to both vehicles. Furthermore, use your judgment in driving, not others. Make sure you have enough room to get out and just let other cars pass instead of letting others "waive you in." And, when you talk to your insurance company, let them know if you felt something was suspicious.

Don't Forget Your Carbon Monoxide Alarms

2011-11-18T09:47:00.003-05:00

Don't Forget Your Carbon Monoxide Alarms

More than 400 people are killed each year in the United States from carbon monoxide poisoning, according to the Centers for Disease Control and Prevention (CDC). The American Medical Association reports that carbon monoxide poisoning is the leading cause of accidental poisoning deaths in the United States.

Other CDC studies indicate that more than 20,000 people are hospitalized each year from this gas, and these poisonings are on the rise due in part to economic reasons. With a stressed economy and high unemployment, more families face utility shutoffs. As a result, they employ other sources of heat, such as kerosene heaters, gas generators, and improperly maintained wood stoves and fireplaces. Such heat sources carry a heavy risk of carbon monoxide poisoning.

Carbon monoxide alarms are essential protective devices in homes with gas appliances, gas heaters, and fireplaces. Here are some tips to consider concerning these important alarms.

· To ensure a high-quality alarm, look for the Underwriters Laboratories certificate on any detector you purchase.

· Connect these alarms to the smoke alarm system so that any alarm in the house becomes activated if a problem arises.

· Periodically test these devices according to the manufacturer's instructions. Batteries should be replaced at least once per year. Replacement of the alarm itself is often necessary after a few years since the average life span of carbon monoxide alarms is relatively short.

· Verify that you have alarms in bedrooms and other locations where people may sleep since people who are sleeping can die from carbon monoxide poisoning without experiencing any symptoms.

Why Every Policyholder Needs Umbrella Insurance

2011-11-14T09:55:00.001-05:00

Today, lawsuits are everywhere. Lawyers are awarding larger amounts of money than ever. New York Homeowners, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award the injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.

Umbrella insurance is designed to give one added liability protection above and beyond the limits on New York Homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection. This protection is designed to “kick-in” when the liability on other current policies has been exhausted.

Liability insurance is the portion of a New York Homeowners or auto policy that pays for expenses such as the injured persons medical bills, rehabilitative therapy, and lost wages due to the negligence of the at fault person. The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at fault person in the court room. After adding up all of the medical expenses for the injured and the legal fees of the negligent person, the standard liability in one’s homeowners or auto policy is often not enough. Almost every state has financial responsibility laws that will hold drivers accountable for bodily injury and property damage resulting from car accidents and the at fault driver could be sued for the damage. Personal assets from the at fault driver could be seized resulting from a lawsuit. Similar laws are also in force for home and watercraft owners.

There is good news. A personal liability umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains. Furthermore, liability insurance covers one’s non-business activities anywhere in the world. Having the added protection of a liability umbrella policy is coverage no one should go without.

Insure Your Boat In and Out of the Water

2011-11-04T16:10:00.000-04:00

Millions of Americans take to the water each year during boating season, traveling the coastlines, rivers, lakes and canals all over the country. The watercraft range from simple rowboats to jet skis to small motorboats to luxury yachts. Boat owners spend significant amounts of money buying and maintaining their boats.

The need for insurance protection when the boat is on the water is obvious, but many boat owners question the need for it during the off-season. However, insurance is just as important when the boat is in storage as when the owner is using it.

A typical boat insurance policy provides a package of coverages, including:

· Damage to the boat, motor, and trailer;

· Damage to portable property used in the maintenance and operation of the boat, including things like anchors, life jackets, oars, tools, skis and surfboards, lights, and fire extinguishers;

· Damage to other types of property, including sports equipment, clothing, and other personal effects;

· Damage to equipment on shore, such as boat covers;

· The cost of recovering a sunk or stranded boat;

· The cost of emergency service and towing;

· Damage to non-owned or substitute boats;

· Loss of fishing tackle;

· Liability coverage for injuries or damages for which the boat owner is legally responsible; and

· Coverage for injuries the boat owner or others on the boat suffer in an accident with an uninsured watercraft.

A boat owner will need these coverages if her boat gets into a collision with another boat, or if thieves steal scuba gear from it, or if fire damages the motor. However, losses are still possible while the boat is out of the water. Insurance companies report that nearly two out of every 10 boat claims it receives from northern states occur between Labor Day and Memorial Day, when most owners are not using their boats much. Some examples of losses that could occur:

· The storage building housing the boat over the winter burns to the ground.

· Vandals damage the boat in the middle of the night while it's in the owner's driveway.

· A neighbor's child, playing in the owner's yard, runs into the boat stored there and injures his head.

· Someone steals the boat and its trailer from the yard at a repair shop.

· While the boat is stored in the yard, heavy snow melt causes a flash flood that damages the boat's interior, including the mechanical system and the radio.

Some insurance companies offer "disappearing deductibles," where the deductibles for collision and damage losses from other causes decrease by a certain amount for every claim-free year the policyholder has. Those companies will grant this benefit only to boat owners who keep their insurance continuously in force with them.

A professional independent insurance agent can provide advice on the types and amounts of coverage a boat owner needs. She can also recommend insurance companies that have expertise in boating, good claims-paying practices, and reasonable prices. Insuring a boat all year round can be expensive, but compared to the cost of a large uninsured loss, it may well be worth the cost.

Shun Those Cell Phones While Driving

2011-10-21T09:23:00.000-04:00

More than 20 percent of injury crashes in the United States involve reports of distracted driving, according to the National Highway Traffic Safety Administration (NHTSA). Of those killed in distracted-driving related accidents, 18 percent involved the usage of a cell phone. Another study indicates that using a cell phone while driving, whether it is a hand-held or hands-free device, delays a driver's reactions as much as having a blood alcohol concentration at the legal limit of .08 percent.

Cell phones, and particularly smart phones, are considered one of the leading driver distractions. As a result, more and more communities are placing restrictions on drivers' use of cell phones. The following tips are offered to motorists with regard to cell phone use in vehicles.

· You should wait until the car trip is complete before placing a call. Your cell phone's voicemail feature should answer a call while you are driving.

· Absolutely essential calls should only be performed while stopped. However, it is not wise to pull over on the side of the road where a rear-end collision is possible. Instead, you should pull into a parking lot to perform this task.

· The phone should be placed where it is easy to see and reach.

· You should take advantage of speed-dialing capabilities.

· You should never drive and talk on the cell phone during stressful, emotional, or complex discussions since the risk of an accident is heightened.

· You should consider using a hands-free cellular phone since some studies ndicated that these are safer to use.

· You should never text message while driving.

A Growing Threat—Roots and Sewer Lines

2011-10-14T09:49:00.001-04:00

Ever drive down the street and see a front yard with a trench that looks like someone is dredging a channel from the front door to the street? While a select few may be installing an expensive irrigation system, most are having the sewer line replaced. This line consists of a pipe that runs from the home to the mainline under the street. The lucky among them have undertaken this project on the advice of a proactive plumber who warned of the consequences of backup or leakage due to cracked or clogged pipes. The unfortunate majority have already experienced those consequences.

There are many substances that can clog a pipe. Most can be controlled, others cannot. Consider tree roots: a common reason for clogged and cracked pipes, which can cause most unpleasant damage to the inside of your house. Remedying this unfortunate situation can be costly, and depending on the nature of the project, is not covered by standard New York home insurance.

Consider the costs:

(1) cleaning up damage to/in the house caused by the roots growing into the pipe, and

(2) fixing pipes damaged by the roots.

In the case of the former, some home insurance policies will cover damage to your home if a clog causes your plumbing to overflow; others will not. Thus, if the root clog causes a toilet to send water the wrong way (which falls on people’s “biggest fear” list somewhere between death and clowns), resulting damage such as warped tiles, soaked carpet and furniture may not be paid by insurance.

Luckily, most standard New York home insurance policies can be modified to cover this significant exposure for additional premium. Cost of the modification varies but can be inexpensive; some providers will add the coverage for only a few dollars.

Consider the latter. In addition to paying for damages caused by the clogged or cracked pipe, homeowners will need to protect their property by having roots removed and installing piping that is not damaged. This could mean digging up several square feet of your yard, conducting repairs, and closing the hole as if nothing ever happened- not an easy or inexpensive task.

If this happens to you, don’t panic! While unmodified home insurance does not cover resulting damage, it may cover the cost to tear out and replace the damaged pipes. The kicker is “damage”—the home insurance policy will often cover the cost to fix the pipes if they are physically damaged by the roots, such as when the root penetrates a joint causing it to crack. It is possible for a root to clog a line without damaging the pipe- if this happens there would be no coverage to fix the pipe because it is not physically damaged.

There are many unexplainable phenomena in nature and the unpredictable root structure of trees and plants certainly qualifies. Talk to your independent insurance agent about how to amend your home insurance to control the impact of this “growing” threat.

Should You Raise Your Minimum Car Insurance Liability Limits?

2011-10-07T10:10:00.001-04:00

First, What is the Purpose of Your Car Liability Insurance? Liability car insurance is one part of your car insurance policy. It is meant to protect you if you are found liable or responsible for something. Take for instance you damage someone's car in the parking lot when opening your door. Your car liability insurance will cover the damage to their car.

Another part of your car liability insurance policy is the legal defense coverage. Say you get sued because of something you are found liable for while driving. Then your car liability insurance coverage will also cover your lawyer and court fees.

What are the Minimum Car Liability Limits? The minimum liability car insurance limits are what is required by law in each state before one can drive. You are required to carry the liability car insurance limit from the state in which you live in. Unfortunately, many choose the legal minimum liability insurance to try and save money but this, in most cases, is a bad idea.

The legal minimum liability insurance limit to drive may not be the best coverage for everyone. For example, now that you know what liability car insurance is and how it works, lets say that you were sued for something you were liable for and you only obtained the minimum car insurance required for your state. That means whatever liability limit you chose, that is the most amount that you will get to use for any damages you were liable for any legal defense you may need. Considering how much it costs to have a lawyer and to go through court, do you trust your minimum car insurance liability?

What is the Best Amount of Car Liability Insurance for Me? This obviously is a question that would need to be determined on an individual basis. It is best to work with a trusted Long Island NY Insurance Agency that understands your needs and budget. However, it is generally accepted among insurance agents that the state minimum policy limits are not enough. Most insurance professionals would agree for the average driver the best liability limits to have are 100/300/100. This means:

· 100,000 per person for bodily injury

· 300,000 per accident for bodily injury

· 100,000 per accident for property damage

What if I Want Even More Liability Insurance Coverage? Many consider adding on an umbrella insurance policy for added coverage. Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection. This protection is designed to “kick-in” when the liability on other current policies has been exhausted.

Save Money or Up Liability Limit... Know Your Minimum Liability Insurance Needs

Physical Hazards In The Home

2011-09-30T10:09:00.001-04:00

Accident Anytime-Cleaning Projects

Physical hazards in the home are also a large part of emergency room visits and New York homeowners insurance dollars that are greatly preventable by a small amount of prevention efforts. Take some time to do this Physical Hazards Home Accident Anytime-Cleaning Project to make your home safer:

· Have a place for everything! Toys, papers, roller skates...whatever is usually left on the floor after coming in the door or just normal daily life. Keeping a box or bin for papers and toys in the living area will be a quick and easy way to keep things off the floor. Also, keep a storage area by the doors so when you have something in your hand it can go in the storage area instead of the floor until you can get around to putting it where it really belongs.

· Liquid spills need to be cleaned up immediately. In the time it takes to go to another room to get a towel or mop to clean up a spill can cause an accident. Keep towels and mops nearby in areas where liquids may spill. Also, keep some rugs around the dog's water bowl to automatically mop up water if unknown spill happens.

· Keep the lights on! Any areas that are dimly lit need more light to prevent falls and trips. Even at night, put up a battery operated sticky light in dimly lit halls and bathrooms.

· Get a step ladder for the kitchen. I am guilty of this one! Using a chair to reach high things or for kids to get up to the counter is not safe. Chairs are made to keep their balance while sitting as opposed to standing or kneeling. Getting a special step ladder for the kitchen at your local hardware store will do the job and can fold up easily in a pantry after use.

· Stairs: Check the boards frequently to make sure they are not in need of repair. Also, have a hand rail by the stairs and set rules for proper use such as no running or playing up and down the staircase.

· Outside: Lawn Tractors are for adults, not children. Not even as a ride. Supervise children always outside on playground equipment and NEVER leave children around any water alone, whether it is a patio pond, mud puddle after a heavy rain or a swimming pool.

· If guns are kept in the house, keep them unloaded and locked away in a safe. A safer option would be to keep firearms at a shooting range instead of the home.

· Electrical outlets should be checked regularly. Make sure they are working properly, not showing any cords inside the wall, and no more than 2 plugs in an outlet. Also, check cords going into the outlets for broken or frayed wires. Get outlet covers for outlets not in use.

· Do not use any appliance near water or anywhere that water can even splash out on an electrical appliance.

· If mats or rugs need to be used anywhere in the home use non-slip mats or buy a non-slip backing to put under your rugs and mats.

More Drivers Seek Car Insurance Advice on Facebook, Twitter

2011-09-23T09:09:00.000-04:00

More Americans are relying on social media for car insurance advice

Social media networks are quickly becoming a primary source for New York insurance for automobile, home, business and life as well as advice and shopping tips.

A survey from the Gartner research firm suggests that more consumers trust online commentary and reviews from other users. “The majority of consumers rely to some extent on social networks to guide them in their purchase decisions,” said the research firm.

The reason for the shift? Only 14%t of shoppers put faith in traditional advertisements while an overwhelming 78% rely on user-generated commentary and product reviews.

Three out of four Americans now use social technology, with thousands joining Facebook, Twitter, YouTube and other networks daily. And while word-of-mouth has always been the most popular form of marketing, social media is word-of-mouth on steroids.

Take this example: Jody Walsh, a receptionist in Oregon, uses social media on a daily basis. After a fender-bender left her rear bumper smashed last month, she filed a claim. “They sent me to a cut-rate body shop to get it replaced. It took almost a week and, when I finally got my car back, the bumper was painted a slightly different color.”

After complaining to her agent, she was told to take it up with the body shop. “He totally washed his hands of the situation,” she said. “It was very frustrating.” So, she decided to vent her frustration online. “I posted about it on Facebook and got dozens of suggestions from friends. After I finally got my bumper repainted, I cancelled my policy and switched insurers.”

In the era of social media, a scathing review like this can send shockwaves through a company. The average Facebook user has 130 friends; Jody’s post went out to over 500.

Insurers are beginning to understand the power of social media in today’s market. That’s why sites like Facebook, which has 149 million users in the U.S. alone, have become promotional battlegrounds for local and national insurers.

But people are not only researching car insurance online, they’re buying online, too. A recent J.D. Power survey found that 54% of car insurance purchases are initiated online.

If you’re using the web to research New York car insurance or Home, Business and Life Insurance, why not shop for quotes online with C.H. Edwards, Inc. where you can get insurance advice. It’s safe, simple and won’t cost you a dime.

Reduce Your Exposure to Mold Losses

2011-09-16T09:21:00.000-04:00

Mold can be defined as a growth of minute fungi forming on vegetable or animal matter, commonly as a downy or furry coating, and associated with decay or dampness. Growth of mold may begin with or become exacerbated by water damage that is inadequately repaired. Increasingly, airtight building construction (for purposes of improving energy efficiency) and the recirculation of contaminated air can contribute to the growth of mold as well.

Mold claim costs have increased dramatically over the years. According to the Insurance Information Institute, the typical mold claim costs between $15,000 and $30,000, compared to only $3,000 to $4,000 for an average New York homeowners claim. Part of this reason is the additional living expenses component of the claim. Frequently, a home owner must temporarily move out of the home due to necessary and major remediation work.

Active mold is fuzzy, velvety, or slimy, and is orange, green, black, brown, pink, or purple in color. If you suspect you have a mold problem in your home, here are some tips to consider.

· Check the inside and outside of the dwelling for leaks and any visual evidence of contaminants since plumbing leaks are a primary cause of mold in New York homes. This task includes investigating the attic and basement to closely check for dampness and discoloration. It is important that the source of the leak be repaired as quickly as possible.

· If there is a slight amount of mold, used a detergent solution to remove it. Wear a mask, safety goggles, and rubber gloves while performing this task.

· For larger amounts of mold or resistant mold, contact a qualified specialist in the area of mold remediation.

· For moderate or major damage to property, also contact C.H. Edwards, Inc.

· To mold-proof your New York home, dehumidify your basement during the warm months. Eliminate standing water, and frequently clean and replace furnace filters.

· Regularly check the condition of your roof and exterior finish for any places where water might enter your home.

If mold is suspected of causing an illness, consider the following recommendations.

· Contacting an environmental consultant may be necessary. You should ascertain the credentials of this consultant and contact the references provided. In addition, it is wise to select a consultant who does not perform the actual remediation work or have an interest in a company that does.

· If symptoms persist, a physician who specializes in occupational and environmental medicine (rather than a family practitioner) should be consulted. The specialist is often able to more easily isolate the cause.

Covering the Gaps in Your New York Homeowners Insurance

2011-09-09T13:32:00.000-04:00

Earthquake Insurance, Flood Insurance, and Mudslide Insurance

In insurance, a peril is an exposure to an event that may cause damage to your home. New York New York homeowners insurance covers the most common perils one would probably be exposed to in owning a home. Fire, lightning and internal explosion (like a furnace exploding) are examples of perils covered on most New York homeowners insurance policies. However, that one may want coverage for other perils.

Getting coverage for additional perils is typically not complicated as most insurance agents can add the additional coverage onto the current New York homeowners insurance policy. Three common perils that are usually not covered under a traditional New York homeowners insurance policy are:

Floods: For insurance purposes, a flood is considered temporary extra water on land that is usually dry. Flood insurance is a separate policy issued by the National Flood Insurance Program or NFIP. Flood insurance is only required if the property is located in a flood plain. Your insurance agent can give you more information on how to add a flood insurance policy onto your home.

Earthquakes: Statistics show that not many people purchase earthquake insurance. Even in areas where earthquakes are considered common, the purchase of earthquake insurance has decreased over the years. Looking into earthquake insurance should be a consideration for all New York homeowners. Affordable coverage can be found if one takes the time to compare prices among different insurance companies. Adding earthquake insurance can be done by a separate policy or as an endorsement to a current homeowner policy.

Mudslides: Coverage for mudslides is usually not covered under one's New York homeowners policy. It is important to be careful not to get "mudflow" and "mudslide" mixed up. Flood insurance will cover mudflow but not a mudslide. Sometimes it can become complicated to determine how much of a home was hit by a mudflow and/or a mudslide so having protection for both (getting flood insurance and mudslide insurance) is best to cover any gaps.

Helping You Get Back Home After a Catastrophe

2011-09-02T10:08:00.001-04:00

As we recover from the recent catastrophic weather event that struck the area, we urge you to keep following important safety tips in mind.

Listen to the radio or television for storm recovery information or instructions.
Move to high ground, avoid rising waters and do not walk or drive through any floodwaters.

Return home only after authorities advise it is safe to do so.

Avoid downed power lines.
Beware and check for gas leaks or electrical system damage around your property.
Make temporary repairs to your property as necessary.
Promptly report any losses to your insurer.

Please remember, we are here to help. If you have any questions, do not hesitate to any of our C.H. Edwards' professional customer service representatives immediately to report your claim.

Staying Safe in a Hurricane or Windstorm

2011-08-26T10:22:00.002-04:00

A hurricane is a very powerful, rotating tropical storm that produces fierce winds, torrential rains and towering waves. Hurricanes develop over large bodies of warm water – including parts of the Atlantic Ocean and Caribbean Sea – and move generally northward. Although the southern and eastern coastal regions of the U.S. are most vulnerable to the most devastating effects of hurricanes, inland regions can be impacted by the storm’s remnant rains and winds.

Before
·    Understand the difference between a hurricane watch and a hurricane warning. A hurricane watch means that a hurricane may occur within the next 24 to 36 hours. A hurricane warning means that a hurricane will probably strike your area within the next 24 hours.
·    Prepare a survival kit.
·    Plan your evacuation route in advance of the storm.
·    Close storm shutters and board up all windows.
·    Stock up on drinking water and non-perishable goods.
·    Have a supply of batteries as well as flashlights and a portable radio that are in good working condition.
·    Review with all family members how to shut off utilities in an emergency.
·    Secure all outdoor objects or move them inside.
·    Secure your boat or move it to a safer place.
·    Fuel your car in case you must leave immediately.

During
·    Listen to the radio for important storm information and instructions.
·    If at home, stay inside and away from all windows, skylights and glass doors. Do not go outside, even if the weather appears to have calmed. The "eye" of the storm can pass quickly, leaving you outside when strong winds resume.
·    If you must evacuate, leave as soon as possible and be sure to tell someone outside of the storm area where you will be.

After
·    Stay tuned to the radio or television. If you had to evacuate, return home only after authorities advise it is safe to do so.
·    Avoid downed power lines.
·    Beware of and check for gas leaks or electrical system damage.
·    Make temporary repairs as necessary.
·    Promptly report the loss to Travelers using the toll-free claim reporting number.

Understanding wind damage
·    Wind can tear the roofs from buildings, rip siding from exterior walls and throw debris through windows. In addition, trees toppled by windstorms can crush roofs and walls. Although hurricanes and tornadoes generate exceptionally destructive winds that can destroy buildings, high winds can happen anywhere and strike during many types of storms.
·    One- and two-story wood frame houses are especially vulnerable to wind damage, as are manufactured homes.
·    During a windstorm, wind forces are carried from the roof down to the exterior walls and then down to the foundation. Homes can be damaged when wind forces are not properly transferred to the ground, enabling wind and wind-driven water to penetrate the weakest point of a building's exterior.
·    The roof, doors and windows of your house are potentially vulnerable to wind damage. When houses are exposed to hurricane forces, roofs are most susceptible to damage, followed by walls and openings. You can protect your home by regularly inspecting these areas of potential vulnerability.
·    Roofs can be protected from wind damage by:
o   Ensuring that plywood roof sheathing is properly installed.
o   Bracing roof trusses.
o   Installing hurricane straps.
·    Doors and windows can be strengthened by:
o   Installing reinforcing bolt kits at the top and bottom of doors.
o   Reinforcing garage doors.
o   Installing storm shutters over windows.

The Institute for Business and Home Safety provides detailed instructions on how to inspect and secure your home against strong winds. Please visit: http://www.disastersafety.org

Don't Become an Auto Theft Victim

2011-08-19T09:20:00.000-04:00

Every 30 seconds, a motor vehicle is stolen in the United States. Using Federal Bureau of Investigation statistics, the National Insurance Crime Bureau reports that annual property losses from these thefts are approximately $5 billion. Although technology and aggressive law enforcement actions have lowered the auto theft rate in recent years, you should still be cognizant of this loss exposure. The following tips may prove helpful in reducing the chances that your vehicle or property in it may be stolen.

· When temporarily leaving your New York vehicle, never leave it running or with the keys in the ignition.

· Always lock your car and roll up the windows, even if it is in your driveway. If you have a garage, park your car in it, and close and lock the garage door.

· Park in busy, well-lit areas.

· When purchasing auto stereo equipment, choose items that can be removed and locked in the trunk.

· When using valet parking or taking your New York vehicle in for repairs, leave only the ignition key with the attendant.

· Turn your wheels sharply toward the curb when parking since this makes it extra difficult for thieves to tow the vehicle. Always use your emergency brake, and leave the transmission in park or in gear.

· Look into various antitheft devices for your auto. Ask about auto insurance discounts for antitheft devices, including alarms and window etchings.

Tips On Pumping Gas

2011-08-12T13:32:00.001-04:00

Only buy or fill up your New York automobile or truck in the early morning when the ground temperature is still cold. Remember that all service stations have their storage tanks buried below ground. The colder the ground the more dense the gasoline, when it gets warmer gasoline expands, so buying in the afternoon or in the evening....your gallon is not exactly a gallon. In the petroleum business, the specific gravity and the temperature of the gasoline, diesel and jet fuel, ethanol and other petroleum products plays an important role.

A 1 degree rise in temperature is a big deal for this business. But the service stations do not have temperature compensation at the pumps.

When you're filling up do not squeeze the trigger of the nozzle to a fast mode If you look you will see that the trigger has three (3) stages: low, middle, and high. You should be pumping on low mode, thereby minimizing the vapors that are created while you are pumping. All hoses at the pump have a vapor return. If you are pumping on the fast rate, some of the liquid that goes to your tank becomes vapor. Those vapors are being sucked up and back into the underground storage tank so you're getting less worth for your money.

One of the most important tips is to fill up when your gas tank is HALF FULL. The reason for this is the more gas you have in your tank the less air occupying its empty space. Gasoline evaporates faster than you can imagine. Gasoline storage tanks have an internal floating roof. This roof serves as zero clearance between the gas and the atmosphere, so it minimizes the evaporation. Unlike service stations, here where I work, every truck that we load is temperature compensated so that every gallon is actually the exact amount.

Another reminder, if there is a gasoline truck pumping into the storage tanks when you stop to buy gas, DO NOT fill up; most likely the gasoline is being stirred up as the gas is being delivered, and you might pick up some of the dirt that normally settles on the bottom.

What You Need to Know About Your Title Insurance Company

2011-08-05T10:28:00.000-04:00

Your Title Insurance Company Will Make Sure You Keep Your Home

Purchasing your New York home is an important decision. However, how does one know that the property they purchased has a clear title? Because unknown problems can be hidden in the history of a property's title, homeowners pay a title insurance company for title insurance.

Title insurance companies provide title insurance. Title insurance is an insurance policy that guarantees the property title is free from the problems of hidden liens and claims. The title insurance company searches public records for the property to make sure there are no problems in the title's ownership and history. The fee for title insurance is usually included in the itemization of closing costs from the lender and is a one-time fee. Possible hidden title problems your title insurance company may find can include:

· Errors or omissions in deeds

· Mistakes in examining records

· Forgery

· Undisclosed heirs

· Liens for unpaid taxes

· Liens by contractors

Title insurance pays title companies to search for problems in a property's title by examining public records. Title insurance companies routinely search public records for:

· Deeds

· Mortgages

· Wills

· Divorce Decrees

· Court Judgments

· Tax Records

· Liens

· Claims

· Maps

By searching the history of the property's title, the title insurance company can assure the new owner of clear ownership to their new property and that no outstanding debts or unknown ownership issues are associated with their new New York home.

In addition, besides securing a good search on a property's title, the title insurance company will insure the property owner as long as they own the property. Therefore, if a problem arises later, the title insurance policy will cover legal fees in defense of a claim against the property that is covered under the title policy.

Think you have to settle for whatever title insurance company your lender puts in your closing papers? Not true! You have the right to choose your title insurance company. Look at shopping for title insurance below to find tips and information on how to shop around and save when purchasing your next property's title insurance policy.

Usually the title insurance company you will use is already put into the closing cost figures when buying a new New York home and most do not even give it a second look. Nevertheless, title insurance companies, like any insurance company, offer different costs and you have the right to choose what title insurance company you want to purchase your title insurance policy with.

Here are a few tips when shopping for a title insurance company:

1. The choice of which title insurance company to select is yours, so contact more than one title insurance company to compare costs.

2. If the property you are purchasing has been re-sold in the last 5 years check to see if the title insurance company will offer you a discounted rate

3. Are you a first-time homebuyer? Then you may be eligible for an additional discount.

4. See if the property insurance company you are selecting offers title insurance in order to get a better rate.

5. As the property buyer, your title insurance should be for the full purchase price of the property. Be aware that sometimes the value of a home is less than the full purchase price.

The Stimulus Bill and COBRA Benefits

2011-07-29T10:23:00.000-04:00

How the COBRA Premium Subsidy will Help More Get COBRA Benefits The American Recovery and Reinvestment Act, signed into law by President Obama on February 17, 2009, is a $787 billion stimulus bill. One of the many provisions of the bill is to directly provide relief to millions on the COBRA plan or ex-employees who need COBRA coverage. This "COBRA stimulus plan" will provide enrollees a COBRA premium subsidy along with providing COBRA benefits to ex-employees who denied coverage.

First, Let's Look at What COBRA Is Before we learn more about the COBRA stimulus plan, let us start with explaining a bit about COBRA. The Consolidated Omnibus Budget Reconciliation Act, otherwise known as COBRA, was put into law in 1985 to help workers who lost their job continue their health insurance. It gave the ex-employee the ability to continue their employer sponsored health insurance plan. The insurance stayed the same but the entire premium was to be paid by the ex-employee.

The First Part of The COBRA Stimulus Plan: Reduced Premiums The COBRA stimulus plan has two parts. In the first part, The COBRA stimulus plan will be able to step in and help struggling families trying to pay their COBRA benefits. People who are currently enrolled in the COBRA plan will get a 65% reduction in their premium costs. This will be a huge savings to many families struggling to keep their COBRA benefits.

Part 2: The Ability to Re-Enroll into COBRA The second part of the COBRA stimulus plan will provide recently unemployed people the ability to re-enroll into the COBRA plan, even if they had denied coverage in the past. This will help a great amount of people who choose not to continue their health insurance through COBRA because they just could not afford it.

9 Key Details about the COBRA Stimulus Plan

1. Valid for people who were involuntarily terminated between September 1, 2008 and December 31, 2009

2. To be eligible annual income cannot exceed $125,000 for a single person and $250,000 for a couples

3. 65% of existing COBRA premiums will be subsidized by the U.S. Treasury Department

4. Subsidies will be available for up to 9 months

5. If you declined COBRA coverage after September 1, 2008 you will have the option to re-enroll into COBRA with the above subsides

6. Notices of the COBRA subsidies and re-enrollment information will be sent from the COBRA administrator (usually your previous employer)

7. Subsidies will be paid, via a refundable tax credit, directly to the COBRA administrators

8. Subsidies will terminate if the enrollee acquires a new health insurance plan through another employer or is eligible for Medicare

9. Subsidies will only apply to COBRA premiums paid after the effective date of February 17, 2009 and there will be no refund of premiums prior to this date.

Disability Insurance: Policy Information, Choices, Savings, and More

2011-07-25T14:02:00.001-04:00

Disability insurance can replace a portion or all of your income if you become disabled and cannot perform your job.

· Will Social Security Pay if I Become Disabled? Yes, you can collect Social Security benefits if you become disabled but is very difficult. In order to collect Social Security benefits due to a disability, your disability must be severe enough to prevent you from doing any kind of work, not just your current job. In addition, the disability would need to be classified as permanent.

Even if you are lucky enough to qualify for Social Security benefits, the benefits most likely will not be enough for you to maintain your current lifestyle or even a decent living. To learn more about disability insurance see Considering Disability Income Insurance

· Can I Get Disability Insurance Even if I Have Health Problems? Just because you have current health problems or a history of health problems does not mean you will be denied disability insurance coverage. Sometimes you may be able to get coverage with exclusions. For example, if you have a history of hip problems you may be able to get a policy that will cover everything except for a hip related disability.

You will need to answer honestly any information requested by the disability insurance company. In addition to questions about your current medical state and history, your medical records will be requested and a medical exam will be administered. The medical exam will consist of urine and blood samples along with height, weight, and blood pressure measurements.

· When Will My Disability Insurance Coverage Start? Knowing when your disability insurance policy started and knowing whether you have conditional coverage is important. Every policy is different and your start date will depend on your policy.

Some companies offer "conditional coverage." Conditional coverage will typically give you temporary disability insurance after your medical exam is administered and your fist premium payment is made. When your policy is officially approved, the temporary conditional coverage will be replaced with your permanent disability insurance policy. You will want to check with the agent handling your disability insurance policy to determine your policy's official start date.

· How Long Will I Have to Wait for My First Disability Payment? Disability income insurance is designed to replace one’s income when they are no longer able to work due to a disability. The amount of time one would need to wait before receiving their first payment is called the Waiting Period.

Your waiting period will depend on your policy. Waiting periods for your first disability payment can range anywhere from 60 days to a year depending on your policy's particular waiting period. If you are able to choose your waiting period and would like a lower disability insurance premium, you will want to choose a longer waiting period.

Maintain a Robust Credit Score

2011-07-15T13:24:00.001-04:00

One factor in determining the premium of a personal auto policy or a New York homeowners policy has nothing to do with your driving record or claims history—it is your credit record. According to Conning and Company, an insurance research company, more than 90 percent of insurers use an insurance applicant's credit history—his or her insurance risk score—to slot him or her into a certain program.

When you apply for New York automobile or New York homeowners insurance, the insurance company typically asks for permission to pull your credit information. The insurer then secures a credit report from one of the credit bureaus. Credit scores range from 300 to 850. If your score is below 650, you may have trouble getting insurance, or you may have to pay a higher premium. In order to improve your credit score, keep in mind the following factors that influence the score.

· Payment history: The largest factor is credit and loan account payment history. A steady record of on-time payments going back several years shows responsibility.

· Debts owed: The number of accounts you currently have, including type and balance. Try to have just a few active accounts with low balances.

· Length of credit history: The longer your credit history, the better.

· New accounts: Every time you apply for a new account, a record of that application appears on your credit report and drops your score. Limit the number of applications you submit.

· Balance of accounts: It is best to have between two and six open credit cards and one or two loans.

· Negative records: Collections, judgments, and bankruptcy filings will drop your score.

The Next Generation IPhone

2011-07-12T14:29:00.002-04:00

~ contributed by Sage Creamer, Social Media Intern

Nothing gets the rumor mill going like credible new details about the next gen iPhone. While the iPhone 5 isn't expected until 2012, the latest buzz is that one of the next iPhones will have a curved screen that is reminiscent of the iPod nano. Research says that users felt a curved screen enabled a more natural touch-interface experience. Some of the other rumors big and small like a purported augmented reality chipset that will be part of a future iPhone too. While there are no definitive facts confirmed by Apple regarding the iPhone 5, we still have the iphone 4 to fall back on.

Auto Insurance Company Rate Quote Comparison Worksheet

2011-07-08T13:51:00.002-04:00

Looking for low-cost auto insurance Comparing auto insurance quotes and rates is one of the best ways to find low-cost auto insurance. This worksheet is designed to help you compare online auto insurance quotes and get recommended auto insurance coverages.

Below you will find a list of documents you will need to submit online auto insurance quote information. Also included is a list of recommended coverages to compare when getting your auto insurance rate quote.

What to Have Available to Obtain Your Auto Insurance Quote:

1. Driver's License #

2. Year, Make, Model of Vehicle

3. Vehicle Identification Number or VIN#

4. Vehicle Finance Company

Don’t Forget Your Discounts:

Anti-theft Devices
Airbags
Anti-Lock Brakes
Automatic Seat Belts
Window Etching
Multiple Auto Discount
Multiple Policy Discount

List of Recommended Coverages to Compare When Getting Your Auto Insurance Quote:

· Bodily Injury Liability/each occurrence $300,000

· Property Damage Liability/each occurrence $100,000

· Medical Payments/each person $10,000

· Uninsured Motorist Bodily Injury Liability/each accident $300,000

· Uninsured Motorist Property Damage/each accident $10,000

· Collision Deductible $500

· Comprehensive (other than collision) Deductible $0-100

Note: These are recommended coverages. Your recommended coverages may be different depending on your situation and your state. When getting your auto insurance rate, please check with our representatives at C.H. Edwards for any changes in these recommended coverages. Also, make sure you check to see if the auto insurance quotes you are getting are for 6 or 12-month policies.

Don't Underestimate Your Exposure to Natural Catastrophes

2011-06-10T09:24:00.001-04:00

Americans tend to be an optimistic bunch—which is typically a good quality to possess. A key exception, however, concerns our impressions that we are very unlikely to ever experience a devastating natural disaster. As you know, 2011 has already proven to be one of the very worst for natural catastrophes in decades. This reason alone should cause you to systematically consider your exposure to natural disasters and take sound action to mitigate these types of losses if one were to occur. Here are a few ideas for properly handling your exposure to natural disasters.

· Flood losses have impacted tens of thousands of people during the past month—particularly those near the Mississippi River and its tributaries. You can check floodsmart.gov to see if your New York home has a higher exposure to flooding. Remember, however, that about 33 percent of all flood losses occur outside the flood zones. Studies indicate that in the course of a home's 30-year mortgage, it has a 26 percent chance of suffering damage from a flood, compared to a 9 percent chance of a fire. If you do not have flood insurance, talk to your insurance agent about the protection provided by this policy and annual cost.

· Tornados can decimate houses, as seen in the massive storms in Missouri and numerous southern states. And yet many people fail to carry adequate dwelling limits on their home. According to one of the largest residential building cost data companies, Marshall & Swift/Boeckh (MSB), 64 percent of U.S. homes are undervalued by an average of 19 percent. So if you are unsure whether you have the proper protection, ask your New York Insurance Agent about your dwelling limits and your potential for being underinsured. Note that some insurers offer guaranteed replacement cost or extended replacement cost—invaluable coverages in the event your home is destroyed.

· If your New York home is near an earthquake fault zone, consider procuring earthquake insurance. Here is a U.S. Geological Survey map of the contiguous United States indicating various levels of risk.

He'll be back !

2011-05-23T15:48:00.000-04:00

Just not until the storm blows over. Arnold Schwarzenegger is putting his Hollywood comeback on indefinite hold as he continues to face intense heat over his admission of having fathered a secret child. It means we are going to have wait a long time. Moreover, the 63-year-old actor is not getting any younger.

Schwarzenegger, who remains in hiding since dropping the bombshell earlier this week (and just days after announcing his separation from Maria Shriver), today instructed his agents at the Creative Artists Agency to hit the pause button on all the various movie and TV projects in the works.

The 2011 Royal Wedding

2011-05-03T16:09:00.004-04:00

~ contributed by Shannon Galaway, Social Media Intern

Friday, April 29, 2011, was one of the most talked about events of the year took place. In London, England Kate Middleton and Prince William were wed at the Westminster Abbey. At 4 a.m. eastern standard time, millions of people in the U.S. woke up to watch the royal event. The people of London, England gathered around the church to watch the couple arrive. Everyone's biggest question was what was the dress going to look like. Kate wore a white simple gown with a full skirt and lengthy train that was designed by Alexander McQueen Creative Director Sarah Burton.
The tiara that she chose to wear was the 1936 Cartier halo tiara which was lent to her by Queen Elizabeth. The tiara was purchased by King George VI for the Queen Mother, was presented to the Queen on her 18th birthday. Kate's dress was not the only thing that had people talking. The female guests who attended the wedding wore extravagant hats. Some had abstract designs and some were just simple.

After the service Kate and William traveled in a 1902 State Landau pulled by white horses along the processional route to Buckingham Palace. Along the processional route were more than five military bands from across the three service. Show tunes, pop songs, and sing-along songs filled the crowd lined streets.

At the Buckingham Palace the Queen gave a reception for around 650 guests. The wedding cake was also served at the reception. The cake was designed by Fiona Cairns. The cake was made from seventeen individual fruit cakes which made up the base and was followed by eight tiers.There were 900 individually iced flowers and leaves of seventeen varieties decorated on the cake.The couple left the Buckingham Palace just as they entered, with extravagance. Prince William drove an Aston Martin Volante DB6 MKII in seychelles blue, which was borrowed from his father. The evening party at the Buckingham palace was hosted by Prince Charles and only 300 of the new couples close friends and family members were invited.

The newly weds have decided to delay their honeymoon and stay in a private location in England for a week or two instead.

Class Trip to Riverhead Correctional Facility in Riverhead New York

2011-04-29T14:19:00.001-04:00

~ contributed by Sandra Costanzo, Social Media Intern

A few weeks ago I had went on a class trip to the Riverhead Jail. On this trip we were given a tour of the jail including holding cells and the medical office. After we were given a tour we then went to the chapel so a few inmates could talk to us. Through out this trip I had learned so much. I had learned that making a bad choice and ending up in jail can happen to anyone and can happen extremely easily.

Royal Wedding Update

2011-04-28T10:23:00.001-04:00

~ contributed by Sage Creamer, Social Media Intern

While the royal wedding is hours away, the Internet is on fire with news about the big day. CNN's The Royal Wedding: Unveiled notes that Canadian company 2 For Life has released a "Royal Wedding 2011" iPad app including Will and Kate's "interactive back story"; 2 For Life's president describes the app as a "keepsake" Pretty much completely unsurprisingly, this is not the only royal wedding app out there. Social Times notes that Yahoo! has launched its own royal wedding site, which, among other things, will "hold the 'Live It Up Like Royalty' sweepstakes, allowing users who sign the Guestbook or Like Shine from Yahoo! on Facebook to vie for the grand prize of a trip to Las Vegas. A dozen anchors NBC has assigned "to weigh in on Bravo's watch what happens love: royal wedding spectacular. More than 20 hours of combined coverage from NBC and MSNBC will be aired on the day of the wedding"

Lady Gaga Plays Nassau Coliseum

2011-04-27T15:52:00.001-04:00

~ contributed by Shannon Galaway, Social Media Intern
This past Saturday Lady Gaga stopped at the Nassau Coliseum in Long Island to do a show during her Monster Ball Tour. Fans from all over the country came to see her exciting sold out performance. People of all ages were there. There were people in their teens all the way up to senior citizens! As all divas do, Lady Gaga came out an hour late and started her show at 10pm. Fans anxiously waited for their Mama Monster to come out and perform. Thousands of Little Monsters came dressed in caution tape, huge sparkly dresses, and crazy hair.

Lady Gaga's opening act was Semi Precious Weapons, an alternative band from New York City. Lady Gaga said that she was and still is a big fan of them. After an agonizing 45 minute wait, Lady Gaga opened with "Dance in the Dark." The show begins with her and her crew in Brooklyn and throughout the show, they venture through different cities to make it to the Monster Ball. During the show, one lucky fan received a phone call from Lady Gaga during "Money Honey." This lucky fan got to speak to Lady Gaga on the phone and meet her after the show. Gaga performed one of her newer singles "Born This Way," but arranged a piano version where she sat on the piano and played with her hands and feet! She then finished with "Bad Romance" and "Born This Way."

Fans say that when you hear Lady Gaga sing you can hear the passion in her voice. She never lip syncs and is always true to herself. She truly loves all of her fans and appreciates every one of them. By just looking around at Lady Gaga's concerts, you can see that she has made significant impacts on her fans. Lady Gaga will be around for a long time.

Getting Coverage With a Suspended Drivers License

2011-04-19T15:07:00.003-04:00

It is illegal to operate a motor vehicle with a suspended driver’s license in most states. For this reason many providers will not offer you car insurance coverage while your license is suspended. However, if the reason for your suspended driver's license isn't extreme, you might be able to work with an auto insurance company.

Apply for a Hardship License

In some instances you might be able to contact your DOT and request a hardship driver’s license. The license allows you to drive your motor vehicle to and from work. The license can also be used to drive to and from school.

You must get written approval to carry the license from your state DOT or division of motor vehicles (DMV). Additionally, your state might require you to pay fines or fees to receive the hardship driver’s license.

Upon receipt of the hardship driver license, contact three or more car insurance companies to compare auto insurance rates and select a policy that gives you sufficient coverage at reasonable rates.

As soon as your regular driver’s license is restored, contact your car insurance company and alert them to the change. If your car insurance company does not lower your rates, check around online with other insurance companies so you can secure a policy that offers reasonably priced car insurance coverage.

File SR 22

Depending on the reason your license was suspended (say, you were caught driving without insurance or convicted of DUI or DWI), ask a DMV representative about filing an SR 22. An SR 22 form serves as proof that you have auto insurance. It also serves as a guarantee that you will maintain car insurance for a specific period of time (e.g. six months).

If all systems are go, contact your auto insurance agent and request an SR 22 form. The

SR-22 isn't a type of insurance, but rather proof that you have certain types of insurance (based upon the financial responsbility laws of your state). Simply, it is a form which must be filed by the insurance company to the state DMV stating that auto liability insurance is in effect for a particular individual. Your independent insurance agent can submit the form to your state DOT. You can also submit the form to your DOT yourself. Keep a copy of the form for your personal records.

If your driver’s license was suspended because you were convicted of driving absent car insurance, your license will likely be reinstated as soon as the department of transportation receives your SR 22 form. At the very least, you must keep required state DOT minimum levels of auto insurance on your car or truck.

12 Ways to Save on Your Homeowners Insurance

2011-04-15T13:15:00.001-04:00

There are many ways to save with your homeowners insurance. You can print this list to use while shopping C.H.Edwards, Inc.

1. Car/Home Discount: Insuring your car and home with the same company often will give you a package discount. This is a good tool to use when shopping around. Usually the agent can tell you what percent the discount is for insuring your car and home together.

2. Deductible: Increasing your deductible can lead to substantial savings. Furthermore, it is best to have a large deductible to prevent you from using your insurance for small claims since many insurance companies are now adding a surcharge to as little as one claim, and surcharges can range anywhere from 10-85% depending on how many claims you file during a given time period.

3. Home Security Systems: Special burglar alarms can prevent losses and therefore make your house less of an insurance risk. Most any type of security system will help give you a discount, but the type that directly responds to local police and fire departments are most likely going to give you the most discounts.

4. Dead Bolt Locks: Most agents will ask you this, but check again to make sure you are not loosing a discount if you already have them. If you do not, it is well worth it. Dead bolt locks are very inexpensive compared to the possible insurance savings, but make sure all of your doors have them because usually the discount only applies if there are dead bolt locks on every door.

5. Smoke Alarms: Preventing a fire loss is important to you and especially to you insurance company. Claims due to fire are very expensive and insurance companies often will give an additional discount for even one fire alarm permanently fixed in the home. Please, even if your company does not offer a discount, take the time to install one anyway.

6. Sprinkler System: Well, this may come into some additional cost, but if you have considered adding a sprinkler system (the indoor type); this is just another reason to do so. This would also be a something to consider if you are buying a new home or have plans to build or remodel.

7. Non-Smoking Household: Insurers are trying to cut costs too therefore are looking for people to insure that pose the least risk. Since smokers cause many accidental fires, insurance companies are often giving a discount for non-smoking households. To qualify you would probably need to have a home in which you do not let anyone else smoke in the home in addition to the homeowners being non-smokers.

8. Organization Affiliation: Many companies offer a discount for being affiliated with certain organizations. These can range from credit unions, college sororities, or just having a certain credit card. Call your service center and ask them for a list of the organization affiliation.

9. EFT Payments: Many companies are now charging up to $5.00 or more for mail payments, but sometimes nothing if you choose to have payments automatically deducted. Moreover, sometimes the deductions can come from your credit card, so you do not have to worry if the money will be in your bank account when payment time comes.

10. Credit Rating: Yes, many companies are checking your credit and basing your policy on information found. Make sure you check to see if your credit is in good shape, and if it is not, you may want to seek out companies who do not do credit checks.

11. High Risk Property Insurance: Check with your independent insurance agent if you feel you may be denied for homeowners insurance or are paying ridiculously high premiums because your property may be a high risk such as in a high crime area. Your state may have an insurance plan especially for your high-risk property that other insurers may be charging you an extremely high premium because of the higher than average risk.

12. Additional Discounts: Many additional discounts may be available such as a reduced senior rate or being in a gated condominium. Make sure to sit down with your agent on a regular basis, preferably right before your policy renews, to see if there are any additional discounts available to you.

American Idol Upset

2011-04-12T14:55:00.000-04:00

~ contributed by Shannon Galaway, Social Media Intern
Last week on the 'American Idol' result show, America was shocked and angered by the results. The bottom three seemed to shock everyone when they saw that Pia Toscano, Stefano Lagone, and Jacob Lusk had received the least amount of votes that week. It then came down to Stefano Lagone and Pia Toscano. Many thought that Stefano would be eliminated. Although Stefano is very talented, he was the weaker performer when it came between him and Pia.
The lights finally dimmed and when the shows host, Ryan Seacrest, read the votes Pia Toscano was eliminated. Everyone was shocked and angry as boos filled the arena. The judges Steven Taylor, Randy Jackson, and Jennifer Lopez were all stunned and saddened by the results. Steven Tyler told America that their "lack of passion was unforgivable." A lot of people even thought Pia Toscano would have gone all the way in this competition. She had the whole package. She was beautiful and had an amazing voice. Pia remained poised as the result was revealed, but started to tear up when she saw her video clip about her journey on 'Idol.' The night before during the Rock and Roll Hall of Fame themed show Toscano sang "River Deep Mountain High" and nailed it. Steven Tyler called her a murderer and said "You killed it." Jennifer Lopez said that Pia was really special on stage and Randy Jackson screamed "Pia's in it to win it." With such high praise the night before many voters probably though that everyone else would vote for her and their vote wouldn't matter. America was wrong. It goes to show that you always have to vote no matter what because your vote counts.

All the hype that followed the shocking result seemed to make everyone believe that every week she always had one of the largest amounts of votes. Suprisingly the show's executive producer, Nigel Lythgoe, revealed that he always knows the votes and said that Pia was never a front runner. Lythgoe stated “The fact of the matter is that it appears that Pia didn’t connect with the audience as much as we maybe think she did,” he continued. “And she wasn’t voted through. That’s the fact of the matter.” Nigel is reminding America that every week they should expect to be shocked since there is so much talent on this season of 'Idol.' With the way the voting went this week, Nigel Lythgoe is hinting that the voting system for next year's season of 'Idol' may change and have a similar format as Lythgoe's other hit show 'So You Think You Can Dance.' America would vote for the bottom three and then the judges would decide who goes home. Until then America hopefully has learned their lesson and will actually vote for who they want to see stay.