It seems like you can’t get through a TV show or read a magazine without seeing an auto insurance ad. Big insurance companies spend billions to get your business. But are they really giving you the best coverage designed specifically for you?
Here are a few auto insurance myths we have seen, that you need to know about:
Myth - Buying online is better. Would you go to a web page to diagnose your illness and then select from a drop-down list for your treatment? That is what on-line insurance buying is like. Call an independent agent so we can help design the right combination on coverage and price. We have access to multiple markets, not just one. Cheap insurance seems great until you have a loss.
Myth - Bright-colored cars cost more to insure. Wrong. Premiums are based on the type of vehicle you have, its value, where you live, and other factors.
Myth - One ticket or accident will cause my company to cancel my insurance. Most insurance companies do not penalize you this way. They are more concerned with patterns of driving.
Myth - Older drivers pay more. This is not true. Many of our companies give discounts to older drivers.
Myth - The TV commercial said it was covered. All claims are subject to your individual policy terms and conditions. That is why an independent agent is important. We can provide information about what is covered and what is not.
Myth - Mexico? No problem. If you travel to Mexico we recommend special Mexico coverage.
Myth - If I get hit by someone else, the other party will pay. That is true if they have insurance. Even though many states have mandatory auto insurance requirements, almost one-fifth of all drivers don’t have insurance. And if you don’t have the right coverage you will not be covered.
Call us today to get more information about your auto insurance.
Never Sign Away Your Rights
As a homeowner, you carry homeowner’s insurance to protect yourself in case of damage to your home. Horrifically, unscrupulous contractors use an insidious trick to defraud thousands of Florida homeowners every year - convincing them to sign away their rights through an Assignment of Benefits (AOB) form.
What is an "AOB" form?
A contractor or repair company representative will often tell you that an Assignment of Benefits or "AOB" form is necessary for them to do work on your home. They may promise it will make the process easier for you as it will allow them to "handle everything." They might even offer to lower or eliminate your deductible if you sign the form immediately.
This tactic is often used by roofing contractors after storms, or by water restoration companies if you have water damage caused by a leak in your home. However, signing an AOB form efficiently turns over your rights under your insurance policy. If someone can gain access to the roof or the interior of your home before your insurance adjuster arrives, they may intentionally cause extra damage so they can inflate repair costs
Don't allow roofing contractors up on your roof to "investigate," or water restoration companies to start work before the damage is assessed. Most importantly, don't sign an AOB form. We are here for you and can help you navigate the claims process and avoid contractor abuse and fraud.
You can help stop AOB contractor fraud by knowing your rights (including the right to cancel a contract, including a signed AOB form, within three days) and you can also help others avoid a nightmare like Barbara's by sharing this information with friends, family, and neighbors. Together, we can put an end to contractor abuse and AOB contractor fraud.
Most contractors are very professional, but there are a few that follow disasters and try to take advantage of you.
There are three key elements that are important to make any exercise program successful. These elements are safety, effectiveness, and enjoyment.
Safety: The “No pain, no gain” theory is a myth. Avoid any exercise that causes pain or undue discomfort. If pain occurs in the neck or chest area, stop exercising and, if necessary, seek medical attention. General muscle soreness is another matter, especially for the beginner. You can expect some soreness, but it need not be excessive.
A personal trainer will design an exercise program for you and your current fitness level. As your fitness level increases, your program will be adjusted to keep up with you. Too much too soon will only undermine your efforts.
Using proper form, technique and avoiding high-impact will keep your exercise program safe. A strain in your lower back, shins, calves, ankles, and knees are predictable results of improper form. Repetitive, jarring movements should be avoided for general fitness. If you feel a strain, please let your trainer know. We don’t always know if you don’t tell us.
Don’t bounce or force stretching movements. Quick, pulsing movements while stretching can result in muscle strain and tears. Static movements that gradually extend muscles through the full range of motion until you feel resistance is the stretching to use for general fitness. Stretching will also decrease the likelihood of injury and soreness.
Effectiveness: Effective exercise does require effort, but those who say it must hurt are wrong. The level of exercise is determined by your fitness level and goals. The fuel source for the body during low to moderate aerobic exercise is fat. If burning excess body fat is your current fitness goal, stick to the recommended exercises and intensity levels to receive maximum results. As your fitness level increases, so will the formula for your program. Intensity, weight, repetitions, and rest periods will all be adjusted as you progress.
Proper warm-up before exercising and cool down afterward is essential to avoid injury and achieve peak performance.
Enjoyment: It has been said that nobody will exercise just because it is good for them. We need additional motives or goals that mean something to us, and that will come as a result of regular exercise.
It is important to identify your goal, so your exercising effort focuses on your goal(s) to keep you motivated. The more motivating your exercise becomes, the more enjoyable it will be. More enjoyment produces more consistent and more incredible results!
So how do you make exercise fun? First of all, stop thinking of it as exercise and start thinking of it as play. You remember play: those activities you enjoyed as a child. Turn exercise into play! Usually, play involves interaction with friends and variety.
All of us at Bobby Hull Professional Group Inc. appreciate your continued business, and wish you a healthy and happy March!
In the next few weeks, over 1.5 million students will have completed their bachelor’s degree. Parents and students, as you hang that degree on the wall it may be time for a review of your home insurance and auto insurance. As students move out on their own it becomes important to consider these different insurance coverages.
Renter’s or Homeowner’s Insurance
As you move out of that college dorm and into an apartment, you will need to consider a renter’s policy that will cover your personal property. If you are buying a home you will need homeowner’s insurance.
Students, if you are on your own and have moved out of your parents home, auto insurance should be on your “to do” list. Auto insurance covers your legal liability if you injure a third party and can also cover damage to your auto.
As students move out on their own, the need for health and/or medical insurance becomes very important. It might take you a number of months to find a job with health benefits. So now is the time to obtain the proper health insurance. If you are under the age of 26 you can still be part of your parents plan.
2021 will be an interesting year and there are sure to be many changes in your life, your work and your finances. It is important that your insurance is able to address your needs as your life changes. Our team is ready to help you understand how your insurance needs have changed over time. Here are a few examples of how life changes may impact your insurance.
Do you have any domestic employees?
Have there been any changes in marital status?
Are you involved in any nonprofit organizations?
Do you own a business and operate from your home?
Are you remote working in 2021?
Do you own a second home?
Are adult children now living at home?
Do you drive for Uber?
Do you rent out your home?
Have you started a home business?
Do you own any unique collections of art, wine, cars, or guns?
Are there any children in college?
Your insurance needs to change with your life. We offer a broad range of personal insurance products that are designed to meet your individual needs. We can help you find an insurance product that suits your individual needs. Don’t wait for another second to ensure your home is adequately insured. Call us today for more info on your options for personal insurance coverage.