MONDAY, OCTOBER 14, 2013
The seats and seatbelts that come standard in cars are manufactured to fit adults comfortably while keeping them secure. Because of this, it’s very important that appropriate child safety seats are used to provide comfort and security to young passengers. Kids grow fast, so you should check their car seat every six to twelve months to ensure it still matches their height and weight requirements. The correct use of a car seat, including its placement in the backseat, can prevent injuries to children in the event of a collision. However, car seats can be complicated and a small mistake in usage can cause injury in a crash. Read all instructions carefully before installing. Try these tips for car seat safety:
When is it time to get a new child safety seat? If a child outgrows a car seat, a booster seat may be the next step. Consult with a childcare professional to ensure that your car seat is appropriate for your child. However, there are instances other than a growing child that require a new car seat. Do not use a car seat if:
- All small children should ride in the backseat. Infants’ car seats should face the rear of the car for extra protection.
- Rear-facing car seats should be reclined at a 45-degree angle. Your child’s head should not tilt forward at this position.
- Put the car seat carrying handle down while inside a vehicle.
- Dress your child in clothes that allow the safety straps to appropriately buckle between the legs.
- Harness straps should fit snugly and lie flat without twists. Fasten the clip at armpit level.
- Newer car seat models come equipped with top tether straps, which prevent the car seat from being thrown forward in a collision. Tether kits are also available for many older models; contact the manufacturer to acquire one and install it according to instructions.
- It was made before 1981. Older car seats may not meet current safety standards. It is recommended to avoid car seats older than six years.
- It contains cracks and/or is missing parts.
- It’s missing the label that specifies date of manufacture and model number. You may need this information in case of a recall.
- It doesn’t come with instructions. You absolutely must use the car seat according to instructions to keep your child safe.
- It’s been a collision. The impact can weaken a car seat, even if it looks fine.
Just like you tell your passengers to buckle up, you should always ensure the proper usage of any child safety seat that is fastened in your car. As children are still developing, it’s easy for them to suffer an injury in a collision if not properly secured.
Protect your little ones while riding in the car. Call Big Don Insurance at (708) 957-7020 for more information on Joliet auto insurance.
MONDAY, SEPTEMBER 16, 2013
In the majority of cases, a standard home insurance policy will cover your personal possessions against loss or damage as a result of several named perils. However, there are often cash limits to the amount of coverage offered, and those limits apply to both the total amount that can be claimed and how much individual items are covered for. If you have particularly expensive items in your home, such as antiques, state-of-the-art audio-visual equipment and designer furniture, you should seriously consider additional insurance coverage, and there are two main options available to you.
The Purchase of “Riders”
A rider – sometimes referred to as a “floater” or an “endorsement” – can be added onto your existing policy for an extra premium. This is ideal if you have very expensive items in your home that are worth significantly more than your policy’s maximum coverage level for individual items, which can be anything between $1,000 and $3,000. However, if you own several items that barely exceed your policy’s stated limits, you may need to consider some other options, as riders are typically designed for individual, high-value items.
The Purchase of Blanket Coverage
Let’s say you are an avid antiques collector, and you want to insure your prized collection for its true worth. Instead of purchasing several riders at considerable expense, it may be possible to buy blanket coverage for the category of antiques in general. This may also be a good idea if you like to collect wine and art or if you like to buy all the latest electronic gadgets.
Which Type of Insurance Is Best for You?
Insuring individual items through a series of floaters is usually far more expensive than the blanket coverage option, but there are some key benefits to consider. If you are forced to list or schedule your high-value items, you will need to have them individually appraised in order to discover their true value. This will help you avoid arguments with your insurer should you need to make a claim.
In any event, you will need to provide proof of your items’ market value, which will already be in place when you make a claim against a floater. If you choose the cheaper option of blanket coverage, you will need to provide that proof in the form of receipts and other official documents upon making the claim. Furthermore, the need to schedule individual items almost always means you can value them for their true worth, instead of the best guess often offered with blanket coverage. Riders often include “mysterious disappearance” coverage as well. So, if a precious stone were to fall out of your ring or necklace, the true cost of replacement would be covered.
If you want to insure a range of low and medium-value jewelry, artwork and collectibles, the blanket form of insurance may be the most cost-effective solution. However, if your items are particularly expensive – worth more than $10,000 each – a series of floaters may be the safest option.
If you have any questions or concerns about your own valuables and Joliet Homeowners Insurance, call Big Don Insurance at 708-957-7020, and we’ll be happy to guide you through your options.
TUESDAY, AUGUST 13, 2013
The purchase of a home is usually the single largest financial investment most people will ever make, so taking steps to protect that investment is critical. While you may believe that your attention to maintenance, repair, and security issues leaves you highly unlikely to ever need the benefits of property insurance, you simply can’t plan for acts of nature. A freak storm could tear your roof off, or a particularly fierce hail shower could cause extensive damage to walls and windows. Property insurance is a considerable cost to bear, but it is far cheaper than dealing with huge repair bills out of your own pocket.
What Is Included in a Standard Property Insurance Policy?
Most property insurance policies in America stipulate that coverage is provided for events that are “sudden and accidental.” Events that are typically included in coverage include fire, hail, wind, and theft. This means that a collapsed roof that has been caused by many years of deterioration will not be eligible for coverage, but a collapsed roof resulting from a hurricane will be. The average property insurance policy will also have a provision for liability. This could prove valuable if a fire that starts in your home spreads to other properties on the block.
What Is Not Included?
Unfortunately, many homeowners wrongly believe they are covered for all eventualities that are beyond their control, but this is not the case. The National Association of Insurance Commissioners stated in a recent report that one-third of U.S. homeowners believe standard property insurance provides coverage for flooding. While there are some exceptions, standard property insurance will not cover the cost of repair or replacement as a result of flooding, earthquakes, or mold.
Common Pitfalls to Avoid
It is vital that you take the time to check the small print of your policy to ascertain the level of coverage provided. If your policy only covers the actual cash value of repairs and replacements, this could leave you with hefty shortfalls to pay yourself. For instance, ACV coverage for a new roof will pay out on what the roof is worth at the time of the claim, less your deductible, and not the cost of replacing it.
If you have valuable art or jewelry in your home, you should check what your policy states regarding expensive items, since there will often be a maximum cash figure involved in payouts, and particularly expensive possessions may exceed that amount. An insurance advisor might suggest a “floater,” which is an add-on to a policy that provides for increased coverage or special arrangements for specific, named items.
Property insurance is a complex issue, and a number of factors can affect the premiums you end up paying. If your area is prone to freak weather events or burglaries, you could be forced to pay far more than the national average. Your premiums could also be higher if you’re a smoker, or if you have a poor credit score.
Negotiating the property insurance minefield is not easy. Call Big Don Insurance at 708-957-7020, and one of our specialist agents will be able to point you in the right direction with your Chicago Property Insurance.
FRIDAY, AUGUST 9, 2013
Big Don Insurance is giving away excellent Integrity RX prescription cards that can save you up to 95% on your medications. Anyone can use the card to receive the discount on your prescriptions. There is no cost for this card and no risk. Simply download the card and take it to your pharmacy when filling your prescriptions. Or, if you would like a laminated card, please send us an email requesting the card and we we will mail it to you. We hope this benefits you!
Are there any charges for using the card?
There is no charge or fee for using the discount prescription card, but you still have to pay for your medication.
Who can use the card?
The card is available to everyone, regardless of age, income, citizenship or health insurance status.
How do I use the card?
Take your card to a participating pharmacy and show it and your prescription to the pharmacist. The pharmacist will process your card and tell you the cost of your medication.
How much of a discount can I expect for my mediation?
With the card, you can expect to save up to 95% on medications. That's an average of 15% on brand name and 53% on generic medications. You will receive the best price available to you through this program at the pharmacy.
Are all medications covered?
You can use the card for all prescription medications, and you can also save on over-the-counter medications, such as smoking cessation aids and diabetic supplies, as long as you have a valid prescription.
How do I find a pharmacy in my neighborhood that accepts this card?
You can use our pharmacy locator took that allows members to price their drugs in their neighborhood.
Pharmacy Locator Tool
How does the card differ from prescription insurance?
This is not insurance; it is a prescription discount program. When you present the card at a participating pharmacy, a discount is taken off the regular retail price of the prescription.
Can I use the card with my current prescription insurance?
You can use the card to get medications your insurance does not pay for. However, you cannot use the card in combination with any other discount card or with other insurance.
Is there a limit to how many prescriptions I can get at a discount?
No. There is no limit on the number card. You may use the card as often as needed, as long as you have a prescription.
Can I use the card for my pets' drugs?
Yes, if there is a human equivalent available and the medication can be picked up at a participating pharmacy. However, you may not use the card to receive discounts on medications from a veterinarian.
Who pays for the discount I receive?
We have negotiated discounts with our pharmacy network. The savings and discounts are then passed on to you at the pharmacy.
FRIDAY, JULY 12, 2013
If you live in a house with multiple drivers and more than one car in the driveway, you may be interested in hearing about all the advantages of having a multi-car insurance policy. There are many benefits associated with this type of policy, which can save you a lot of money in the long run. Read on for a look at some of the top benefits of multi-car insurance policies.
One of the biggest advantages of having a multi-car insurance policy is the savings you get. By combining all the cars in your driveway into one multi-car insurance policy, you can save up to 25% on car insurance. Depending on where you live and the cost of your insurance, that could be a very large chunk of change. In addition, you are reducing the amount of mail you receive and have to send each month as well.
Need to add or remove a car? Multi-car insurance policies are easy to change. You have the ability to easily add or remove vehicles on your policy with little or no hassle. This can be a big benefit if you and other family members lease your cars and change them up every other year or so.
Another great benefit to having a multi-car insurance policy is the great convenience that comes with combining all your cars onto one policy. It is much easier to maintain and pay for one policy as opposed to three, four or even five different policies. By reducing your paperwork and switching to a multi-car insurance policy, you can enjoy the convenience that comes with the bulk billing.
Fewer Insurance Fees
Multi-car insurance policies have fewer insurance fees, since the policy is being bulk billed. There's no need to tack on added expenses when you put all your vehicles on one policy. It's convenient and also more cost-effective. If you have more than one car in your driveway or garage, it doesn't make sense to have separate policies for them. Combine them up on a multi-car insurance policy and enjoy the savings. Do you worry about forgetting to renew your auto insurance? With a multi-car insurance policy, you can get all your cars' renewal dates synced so that you can renew them all in one shot. This effectively takes the stress and annoyance out of renewing your cars' auto insurance and helps you avoid legal problems or penalties that would result from letting your coverage lapse.
For more information and tips on Homewood car insurance, call us at 708-957-7020.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only.
It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
in your state. By using this blog site you understand that there is no broker client relationship between
you and the blog and website publisher.