Central Insurance Companies

Driving Under the Influence – Things you need to know

istock_55457298_large-2_facebookI am a reserve officer for a local police department and work primarily in its Traffic Division. Working in this capacity, I have seen some bad accidents and, unfortunately, most of the time it involves the misuse of alcohol or another substance. Since we are heading into the holiday season, I thought I would take this opportunity to highlight some facts and misconceptions about alcohol and its effects on driving.
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Auto Insurance: Beyond the Basics

101130763Auto insurance and the value of your car is always a hot topic. It seems every TV, billboard, and radio ad has promised to solve your auto insurance needs. One ad says that you won’t be driving around in three quarters of a car after an accident with their coverage. While it’s true you won’t get far with only three wheels on your car, what are these ads really saying? Isn’t your vehicle just a means for transportation or is it truly an investment?  Is it possible it can be both? Your opinion on this may shape the type of auto insurance you seek.

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What is a smartwatch?

Close-up shot of male hand with smart watch. Coffee cup and other mobile devices are on the table. NOTE TO INSPECTOR: Icons on smart watch screen are not copyright protected but product of my artwork in order to enhance the image quality and usability.In the last couple of years, smartwatches have taken the spotlight for becoming the latest and greatest gadget. What is a smartwatch? Smartwatches are mobile devices with a touchscreen display that are designed to look like a watch. Many companies are exploring and creating smartwatch products. You may have seen some commercials and ads for these smartwatches such as the Samsung Gear S2, Apple Watch, Song Smartwatch 3, or even the Pebble Time. Smartwatches may be cool but are they really useful and how do they work? Here are some facts to consider before you buy.

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School Safety Saves Lives

It’s back to school time and for many children, school is already in session. Today as I drove my son to school, I realized how important it is to use extra caution while driving, now that school is in session. This is the time of the year when we say goodbye to the leisurely summer traffic, and start sharing the road with hurried parents, new teen drivers, student pedestrians, and school buses. Not only do we want to send our kids off to school safely each day, but it is equally important that each of us make it to and from work safely. Why not start this school year by sharing the following safety tips from the National Safety Council:

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What is a Deductible?

INS101-Deductibles-Video-Images-Blog-TipsToolsIf you’ve ever had an auto accident or a homeowner’s claim, you have likely talked about your deductible. A deductible is the amount that is “deducted” or subtracted from the overall loss amount. So theoretically, if you have an auto claim where your vehicle suffers $1,500 worth of damage and you have a $500 deductible, the insurance company pays $1,000 of the claim where you, the policyholder, would cover the other $500 (satisfying the deductible amount).
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Does Your Commercial Renewal Policy Need a Renewal Checkup?

Businessman writing on document with fountain pen, close upAs a small business owner, you have a lot on your plate. Obviously, making a profit and keeping your business growing are of paramount concern.  In addition, there’s making payroll, staying competitive, staying on top of new healthcare and tax laws, complying with state and local regulations, etc., etc.  It’s easy to overlook important changes that may have occurred in your business and need to be accounted for on your insurance policy. Your annual policy renewal is a great time to consult with your independent agent and make sure you are properly protected, as well as not paying for coverage for exposures you may no longer have.

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Positive Reflections Can Enhance Your Shopping Experience

Client at shop paying at cash register with saleswomanIf you’re in a customer service career, you already understand that your positive interactions can help control a situation. But have you ever considered the same when you’re the customer?

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