Personal Insurance - PDF document

ASK US ABOUT… Personal Insurance Business Insurance Life Insurance Health Insurance Disability Ins. Long - Term Care M - ments Group Insurance Retirement Plans Investments Business Planning _ ___ ___________ “Be at War with your Vices, at Peace with your Neighbours, and let every New - Year find you a better Man.” Franklin's 1755 Poor Richard's Almanac ___________________ Newsletter E ditor: Foy G. Egbert While carbon monoxide poisoning can occur at any time of the year, it is more common in winter. That is because CO is a colorless, odorless gas produced by the incomplete bur - containing material, including gasoline, natural gas, propane, coal or wood. CO is dangerous because it replaces oxygen in the blood and interferes with the transport of needed oxygen to cells in the body. Symptoms of CO poisoning can mimic those of the flue or food poisoning. Examples are dizziness, nausea, headache, inattention and fatigue. If you suspect CO poisoning, get the victim into the open air as quickly as possible. Check for a pulse and begin CPR if needed until emergency personnel can arrive or you can get the victim to a hospital. proper carbon monoxide detectors. These detectors can be purchased for as little as $30 each. Please make the installation of these detectors part of your new year’s resolutions – not only for you and your family but for those around you for whom the $30 expenditure is difficult. PLEASE MAKE THIS A 2013 PRIORITY. For all your insurance needs. We are frequently led to believe that on - line activity may be the leading cause of are the top known causes of identity theft : 44% Stolen wallet/purse 10% Signature forgery 16% Auto burglary 2% Change of address 15% On - line activity 1% Stolen computer 12% Home burglary The most co mmon types of identity fraud are: 47% Use of your current accounts 32% Open new accounts 14% Gain jobs, use medical services or cover for criminal activity 7% Take out a loan Identity theft is the fastest growing white - collar crime in America. For information on identity fraud expense reimbursement coverage, please contact your NAUGHT - NAUGHT AGENCY representative. V isit us on the web at www.naught - naught.com LOSE YOUR WALLET, YOUR IDENTITY MAY BE NEXT CARBON MONOXIDE POISONING Volume number 7, issue number 1 January, 2013 A Solid Foundation of Service in T hese Missouri L ocations . WHAT IS YOUR COMMUNICATIONS PREFERENCE?? As we continue to strive to enhance our service to you, our clients, it is important to us to know if you would prefer to receive this newsletter via email in lieu of printed copy. We would appreciate your sending us your email address and letting us know if you would prefer to have this newsletter and other communications sent to you via email. Please send to: newsletters@naught - naught.com . US Postage Naught - Naught Agency 1441 Christy Drive Jefferson City, MO 65203 Jefferson City 573 - 634 - 2727 800 - 392 - 0423 Boonville 660 - 882 - 2800 Carrollton 660 - 542 - 2035 Columbia 573 - 874 - 3102 800 - 245 - 5727 Concordia 660 - 463 - 7091 Eldon 573 - 392 - 7141 Fulton 573 - 642 - 1111 Grain Valley 816 - 229 - 7277 Marshall 660 - 886 - 7444 Osage Beach 573 - 348 - 2794 Owensville 573 - 437 - 4191 Ozark 417 - 581 - 2866 Springfield 417 - 869 - 4601 There are many precautions one can take to protect homes and property from winter weather conditions. Let’s just look at a few – starting with cleaning gutters fro m fall’s leaves in order to allow melting snow and ice to flow freely. Next, take a good look at trees in the vicinity of your property and trim away dead branches to eliminate damage to your home, cars or someone walking on your property. Lastly, if you plan to be away from home for an extended period this winter, consider having your water system drained by a professional. Have a trustworthy person physically check on your home on a regular basis. Lastly, consider that activity in your home will help prevent burglaries. This could include lights programmed to come on at varying times in multiple places in your home. It might also include a vehicle parked in your driveway (maybe it belongs to a neighbor who will move it periodically). Be prepared to enjoy winter’s arrival! Whi le the make and model of your vehicles can impact auto premiums, both accident frequency and severity affect the portion of your premium that covers losses. While severity of losses cannot always be controlled, there are risk control measures that can aid in reducing the frequency of losses within your organization. Improving your drivers’ performance can make a big difference. A study by the US Department of Transportation revealed that 90% of all collisions LOSS FREQUENCY & SEVERITY – AFFECT ON COMMERICAL AUTO INSURANCE PREMIUMS were due to driver action, attitude and behav ior. Making your drivers safer and purchasing dependable vehicles can affect both frequency and severity of accidents – ultimately lowering your premiums. The improvement of auto loss ratios could also aid in reducing the workers’ compensation MOD sinc e the most costly lost - time work comp injury claims result from motor vehicle crashes. For loss control measures to consider, see www.naught - naught.com/category/blog or contact your NAUGHT - NAUGHT AGENCY rep. QUICK TIPS FOR WINTER IZING