You can have the peace of mind and security that you and your Family Deserve! I’m really excited about revealing to you some important tips about insurance. Tips that I feel offer you and your family protection.

Here they are.

Tip #1

Have an insurance specialist conduct a risk analysis on your automobile, property and family. You live in a complicated world. Your life probably has more risk than you’d dream of.

Tip #2

Use an Independent Insurance Broker. Do you know the difference between a broker and an agent? An Agent represents only one insurance company. A broker (such as ourselves) offer policies from a number of different companies. Some have different features. You want a good price! You want good protection! You want good value! Use an Independent Insurance Broker to shop the market for you for the right coverage, protection and price.

Tip #3

Don’t trust the financial protection of your family to an insurance agent who is not a specialist with automobile insurance. Insurance is a large industry. There’s insurance for almost everything. Anything you can have, do, own, manage or imagine – there’s probably insurance for it. Insurance is a very technical business. Policies, coverage, endorsements, exclusions. It has a language all its own. And the insurance needs of each person are highly specific and unique to each. You know your automobile is probably one of your biggest assets.

But did you know……… can be a deadly liability too?

Protect yourself and your family by using an insurance broker who is willing to listen, evaluate, explain and recommend.

P.S.- For most people, automobile insurance is a mystery. They don’t understand it until something happens directly to them!

Safety Tip!

Thieves often watch shoppers take parcels to their cars. They know once a customer returns to the mall, they will have a few moments to make their move. So …if you have more shopping to do, it would be wise to move your vehicle to a completely new location in the parking lot. Any thieves watching will think you have finished your shopping for the day and will focus their attention on other potential victims. I know this is a hard concept to do, but, it certainly is better than coming out to find your window broken, trunk pried open and your parcels all gone. It can happen in a matter of seconds!

Some Tips to Protect Yourself from Parking Lot Break-ins

Make sure you don’t become the next victim of a parking lot break-in. Here are some tips to help keep you, your family and vehicle safe from break-ins at shopping malls and parking lots.

#1– Always park near other vehicles and in well lit areas, if possible, near the front of the stores and roadways.

#2– Do not park next to large vans or trucks that can block your vehicle from plain view. Thieves will often use large vehicles as cover to break into unsuspecting cars.

#3– Never leave children unattended at any time. Even for a matter of seconds.

#4– Common sense dictates that you should never leave your vehicle running or even leave the keys in the ignition, however, it frequently does happen. Probably a lot more than you think and of course the vehicles get stolen. So why make it easy for the thief! Also don’t do it even to run into a corner store. Also, you would think that common sense would stop you from leaving a wallet or purse in the car, but people still do it.

#5– Never leave items inside the vehicle in plain sight for people looking in the car. Parcels, cell phones, briefcases, suitcases, sports equipment such as golf clubs, portable CD players and even CDs left in the open are a calling card for thieves.

#6– Remember, the safest place to leave parcels and valuables is in your trunk and out of clear sight. Follow these simple precautions and your items are more likely to reach their intended destinations with you and……….. you will avoid being a victim of a parking lot break-in.

Protecting Your Family

Buckle Up! Recent good news from Transport Canada statistics show an increase in seat belt use across

Canada. Ontario laws for the average person makes seat belt use mandatory. Seat belts have proven to save lives and reduce injuries. Newfoundland, Quebec and Saskatchewan lead the country with usage rates in excess of 90%. Ontario and British Columbia followed closely behind. In addition, all ten provinces achieved seat belt usage rates of more than 83%. So buckle up!

What Someone Else Is Doing..To Protect You!!!

Smile you’re on Candid Camera! Candid cameras to catch crazy drivers? It’s true.

Automatic cameras that take pictures at traffic intersections are an effective tool for reducing the number of drivers running red lights, the Federal Highway Administration (U.S.A.) An automated enforcement program for red light running people should translate into at least 20% and as much as a 60% reduction in violations. It is also believed that the new technology might also reduce the number of crashes in intersections. Each year, red light running accounts for about 260,000 car crashes. It also accounts for about 121,000 injuries and more than 800 deaths across the United States. This information is from the Insurance Institute for Highway Safety. Fatal crashes at intersections with traffic signals have risen 24% from 1,888 in 1992 to 2,344 in 1997. A significant number of these violations are in rush hour traffic when people are in a hurry. When a car speeds through a red light, a magnetic relay beneath the pavement sends a signal and the camera’s shutter opens. A computer notes the time, date, vehicle speed, and amount of time the light was red. While the ticketing process varies from system to system, usually a technician retrieves the film from each camera daily and has it developed or scanned into a computer. After license plate information is processed, the police print and verify a ticket which is then mailed to the registered car owner. In most states, drivers can go to court and testify they weren’t behind the wheel, but in New York, the registered owner is liable. Most of the programs used traditional film equipment, but some have experimented with digital cameras. Statistics show that about 250 cameras are set at intersections across the country and that number is expected to double per year.

A New York City program started in 1993 resulted in a 38% decrease in violations at 18 monitored intersections. Cameras in most states take photographs from the rear of the intersection, so the driver can’t be seen, but in California the system also used a picture of the driver’s face for identification. The cameras were used at crossings for a light rail line running between Los Angeles and Long Beach. Between 1990 and 1997, there were 353 crashes between trains and cars. They resulted in 33 deaths. At the initial three crossings using cameras the number of drivers running red lights dropped 92%, 78%, and 34% respectively.

Warning signs alerted drivers to the presence of the cameras. Based on the positive results, the county transit authority decided to install the cameras at 17 rail crossings.

Drivers who run red lights are involved in 89,000 crashes a year, causing nearly 1,000 deaths!