Which of your child’s teachers have impacted their life in a positive way? Say THANK YOU by nominating them to win $100 in school supplies for their classroom.
You were just in an automobile accident. Now what?
1.) Check for injuries and stay calm – call an ambulance when you are in doubt about any injuries
Due to the adrenaline rush and shock of an accident, injuries may not seem severe until several hours later. If you are at all in doubt of injury, the best practice is to call emergency medical personnel.
2.) If possible, move your vehicle to a safe location out of traffic.
Try to find a parking lot, side road, or shoulder that is a safe spot to stop. We don’t want any further damage to your vehicle, another driver’s vehicle, or any pedestrians by causing a secondary accident.
3.) Call the police – even if the accident is minor
A police report is often required to show who is at fault in the accident, and in some states it’s the law to report all vehicle accidents. A detailed police report will also help through your claims process.
4.) Get the other party’s license and insurance information
You may find that the other insurance company will pay for your damages if you were not at fault. This is important information to have and provide to your Insurance Agent.
5.) Call your Insurance Agent immediately
Notify your Professional Insurance Agent immediately once you are free from immediate danger and have worked through the accident. He or she will direct you in the next steps of action to best start your claim, if applicable.
Bonus Tip: **Partner with a Professional Insurance Advisor who you can trust. He or she should walk you through your auto insurance policy and help you choose the best level of protection for your needs. NOT ALL INSURANCE POLICIES ARE CREATED EQUAL!!!
Call us today at Farmers Insurance – The Stuible Agency (615) 713-1594, or fill out a proposal request to make sure you are properly covered!
October 18, 2016 at 6:00 PM. Doors open at 5:30 PM.
First National Bank of Middle Tennessee.
1608 Williams Dr Ste 300
Murfreesboro, TN 37129
This is not a house flipping or get rich quick seminar.
The real estate market in Middle Tennessee is hot and anyone interested in learning what it takes to get the most out of your home sale or purchase is encouraged to attend!
Meeting will be led by Derek Trainer – Realtor with Team Wilson Real Estate Partners and Mark Hood – Mortgage Loan Professional with FNB Mortgage.
Topics for this seminar will include:
- How to get pre-approved for your home loan.
- How to get the most out of your home sale by increasing your curb appeal.
- How to repair your credit to get the best interest rates.
- How to handle multiple offer situations on both your home sale and new home purchase.
- And much more!!!
This is a no-obligation educational seminar. Dinner will be served and door prizes awarded.
Hosted by Team Wilson Real Estate Partners, FNB Mortgage of Middle TN, and Farmers Insurance the Stuible Agency.
Complete this form to reserve your spot today.
There are many tough choices we’re faced with in life, but Farmers believes you shouldn’t have to make one when it comes to your pet. We all love our pets – they’re part of the family; but, sometimes an unforseeable tragedy can happen that we cannot feasibly pay for. Pet Insurance provides coverage when your pet needs medical care for unexpected accidents, illnesses, emergency care and every day conditions as well as provides optional coverage for routine and preventative care. You should not have to choose between your furry friend and your wallet.
Some Tips to Help Prevent Pet Accidents:
1) When traveling, don’t let your pet ride in an open truck bed, and keep their head and paws inside the car
Any sudden start, stop, or turn may toss your pet onto the highway where it can get hit by oncoming traffic. It is estimated that at least 100,000 dogs die this way each year. Open truck beds also do not provide any protection from the weather. Hot sun can heat the metal floor of a truck bed enough to burn a pet’s paw pads. A dog left sitting in the broiling sun without water or shade may suffer from heat stroke before long. Do not leash your pet inside the truck bed -many dogs have been strangled when tossed or bumped over the side of the truck and been left helplessly dangling. If your pet is riding inside the car, Although most dogs love to stick their heads out open windows, wind can seriously irritate mucous membranes and blow pieces of grit into their eyes.
2) Check your pet’s collar regularly
Collars do not expand, but puppies and kittens grow quickly! If not loosened, collars can literally grow right into your pet’s neck, creating an excruciating, constant pain. Check your pet’s collars at least every week until it is full-grown (that can be more than a year for really large breeds of dog). You should be able to easily slip two or three fingers between the pet’s collar and their neck. It’s vital that you put a collar and an ID on your young pet, just in case he slips by you and gets lost.
3) Keep toxic things away from your pet
Poisonings can happen from a number of sources and pet owners won’t necessarily be able to identify exactly what is wrong, because the symptoms can range from general vomiting and diarrhea to lethargy and excessive salivation. While those are not the only signs, if you even suspect your pet has ingested something toxic, call your veterinarian immediately. Some major things to watch out for are medicines, diet foods, sugar-free gums and candies, food or toothpaste containing xylitol, and many other things that may be safe for humans but could be deadly to your pet.
Some of the most important foods to avoid include:
- Raw Bread Dough
- Grapes (including raisins/currants)
- Macadamia nuts
Plants can also be a threat to your pets. Something you should watch out for espicially with cats is lilies. Lilies of the Lilium or Hemerocallis families are highly toxic to our feline friends and if ingested can cause permanent kidney damage. Other plant materials in the landscape that are lovely in the garden can be toxic to our pets. Because this list is so lengthy, it is good practice to monitor your pets when they have access to your landscaped space. Ensure they don’t chew or consume plant materials or their fruits/berries.
4) Consider Purchasing Pet Insurance
One of the worst feelings in the world is having to put your pet down. What can make it that much worse is the knowledge that it could have been prevented. Farmers now offers pet insurance that can cover injuries to illnesses to general vet expenses
Description of Farmer’s Pet Insurance
Accident & Illness Plans:
Protect your pet by making sure that they’re covered for unexpected accidents and illnesses. Plans from Pets Best offer you comprehensive coverage for:
- Illnesses such as allergies and diabetes
- Hereditary and congenital conditions
- Prescription medications
- Cancer treatments
- Acupuncture & Chiropractic care
- Physical rehabilitation
Routine and preventive care helps to catch diseases early to help your pet have a longer, happier life. Coverage includes annual wellness exams, routine shots, flea/tick/heartworm medications, spaying & neutering, routine diagnostic tests, routine dental cleanings, and micro-chips.
Specialized Coverage Plans:
Pets Best offers Accident Only Plans to cover broken legs, snake bites and accidental swallowing for customers wanting coverage just for accidents.
Why buy Pet Insurance through Farmers and Pets Best?
- Discount for existing Farmers customers
- Choose any licensed veterinarian or specialist
- File claims and manage your account online
- Most claims processed within 5 days
- Free direct deposit reimbursements
- Coverage for about the cost of pet food
Building a new home is exciting! However, it can also be an overwhelming process. The following are 5 important considerations that a home builder should keep in mind prior to beginning. Take note of these tips to help simplify the process.
1) Secure the right financing
Possibly the most important part of the new home construction process is choosing the correct financing options. Unless you are independently wealthy, chances are you will have to take out a loan for the purchase of your land and construction of your home. According to KJ Harden of First National Bank of Middle Tennessee, some important considerations for home buyers are:
- How much money do you have for a down payment?
- How long do you plan on living in your new home?
- Determine if a 15 or 30 year mortgage is the right fit.
- Determine an adjustable or fixed rate loan.
A professional loan officer will guide you through these questions.
2) Choosing the right home builder
We all know that we want a builder with the best reputation. A great place to start is your friends, family, or co-workers. A referral is a great way to start with someone that has already demonstrated their professionalism and trustworthiness. Before signing a contract with any builder, it is imperative that you confirm that they are licensed, bonded, and insured. Curtis Borntrager, of Borntrager Homes Inc, always advises the homeowner to make sure they obtain documentation of all of the builder’s insurance – directly from their insurance agent; and have themselves listed as the Certificate Holder. In the off-chance that you need to file a claim on the Contractor’s policy, this certificate will provide the information to aid you in doing so.
3) Choosing the right property
It’s easy to fall in love with a piece of property at first sight. When you find something you are looking for, you will just know it, right? It’s at this point that you must take a step back and look at all of the things that could potentially make your dream property/home a living nightmare. The number one complaint I hear from new homeowners is that their neighbor’s interests don’t line up with their own. Maybe you purchased your land as your dream hunting land – do the neighbors have dogs that they let run wild? Maybe you purchased it wishing to target shoot or ride ATV’s – are your neighbors into the same thing or will they potentially complain about the noise? Maybe you purchased it for the peace and quiet that comes from living in the country – are your neighbors the ones with chickens, or do they enjoy shooting or riding? At the end of the day, your property is yours and as long as it is legal you can do what you like on it. The same goes for your neighbors. A quick conversation early in the property searching process can help minimize these types of conflicts once your dream home is completed.
4) Insuring your home during construction
During the course of construction, there are many things that could happen to a home. A storm could destroy the home or the materials; a thief could steal your appliances or building materials, or many other possible; albeit unlikely, scenarios could happen. A Builder’s Risk policy is a policy that covers you during these scenarios. In some cases the builder will purchase this policy, in other cases the homeowner will. Either way, it is your responsibility to ensure that a Builder’s Risk policy is purchased to protect your assets during the course of construction.
5) Insuring your home after completion
Typically speaking, regardless of the style, construction, and location of your home; homeowners insurance is an affordable way to make sure that you can repair or replace your home in the event of a covered loss. However, did you know that not all homeowners insurance policies are created equal? Some companies offer price point policies – meaning they are simply trying to be the lowest price. Most often, these policies have Actual Cash Value, or “depreciated” value coverage; meaning the homeowner could be out thousands of dollars of their own money when they assumed their insurance company would cover them.
Contact your friends at Stuible Insurance Group today to get a full insurance review, let us show you how affordable a personalized insurance policy can be!
Buying a new home is often one of the most exciting and stressful times of our lives. We’ve worked hard to provide for our families, and are making one of the biggest decisions we’ll ever make. Don’t let the experience overwhelm you. Follow these easy steps to help you through the process:
1) Feel Comfortable with the Loan Process. – Most Mortgage Specialists that I work with are very professional and educational in their approach. If you are working with an individual or a company that seems pushy or isn’t working with you; it is probably in your best interest to seek advice from another Mortgage Professional.
2) Do Your Research – Did you know that some prior insurance claims could make your insurance more expensive? In some extreme cases (multiple water, theft, or fire losses, for example), the your new home could be all but uninsurable! If you have a home that you are interested in, your Realtor should be able to pull a CLUE Report, which will show the entire claims history on the home. Contact your insurance carrier with any questions or concerns.
3) Negotiate a Home Warranty Plan – Most sellers or home builders will include a home warranty policy that will cover your appliances and major home systems for a year. Your standard homeowners insurance policy will not cover an appliance breakdown unless it is the result of a covered event (lightning strike, etc.).
4) Insure Your Home to it’s Replacement Value – Coverage is the most important part of your homeowners insurance policy. It’s easy to want to shop on price alone, but “saving” a bit of money each year can often cost you thousands in the event of an insurance claim.
5) Remember: All Insurance is not Created Equal – Partner with a professional that will help educate you on your coverage, and always insure your home so it will be replaced if the unthinkable should happen!!!
6) Enjoy Your New Home – You’ve worked hard through this entire process. Once you are moved in, and comfortable with your insurance coverage; have your friends and family over and enjoy yourselves!
Contact your hometown insurance experts today to see how easy understanding your homeowners coverage can be.
Here in Middle Tennessee, we don’t often see wintry driving conditions. When we do, however, it can be difficult to drive in. Follow these simple steps to help you weather the storm.
1) Wear your Seat Belt
This doesn’t need any additional explanation, does it?
2) Know how to come out of a slide
If you are sliding, take your foot off the brake and steer toward where you want to go. Keeping your foot on the brake will only keep you sliding in that direction.
3) Keep a safe distance from other cars and drive at a slow, safe, consistent speed
Having an increased distance to bring your vehicle to a stop may be the difference between an auto accident and simply a close call.
4) Understand the limits of 4-wheel drive!
4×4 Trucks or SUV’s are great to help you “go” in the snow, but the 4-wheel drive function does not help you stop! In fact, if you require 4-wheel drive to travel, you should be especially careful to go slow.
5) Have confidence in your insurance coverage
Partner with an insurance agency that can educate you in the entire auto insurance policy, and make sure you are properly covered! Snowy conditions often lead to comprehensive (sliding into a ditch, for example) and collision (sliding into a car, for example) claims.
Bonus Tip: When in Doubt, Stay Home!
If you are uncertain if you can handle the driving conditions, you should consider staying home if possible.
Call us Today! (615) 713-1594
We’ll help you ensure your have adequate coverage before the next storm hits.
Let’s get started. Get a quote now.
Here in Middle Tennessee we often see a wild swing in weather and temperatures. We’ve seen afternoons in the low 70’s, only to wake up the next morning with a temperature in the mid 20’s and frost on the ground. It’s days like this that we can see those pesky weather related claims.
Follow these tips to help avoid weather related insurance claims:
Disconnect your hose from the outside spicket and install covers on outside faucets
When your garden hose is connected to your outside spicket, any water left in the hose can freeze and possibly crack the plumbing. Reduce your risk of damaged outside plumbing by disconnecting your garden hose during winter months.
Close your crawl space vents
Do you have a crawlspace? Help reduce the risk of frozen pipes by closing your crawlspace vents during winter months. Frozen pipes are no fun, and can often be prevented by taking this easy step.
Keep your house temperature at 68 degrees or higher
Even if you are leaving the house for an extended period of time, keeping your house at 68 degrees or more can greatly reduce the chance of freezing. If you do plan on being away for an extended period of time, shut off water supply valves to your washing machine.
On extremely cold nights, drip your water and open your sink cabinets
If you know that your pipes are prone to freezing, open the cabinets under each sink. This helps helps keep your interior water pipes closer to room temperature and preventing them from freezing. By dripping water from your kitchen and bathroom sinks, you can also reduce the risk of your pipes freezing by keeping the water moving (albeit ever so slightly).
Close all windows near water pipes and cover/close open-air vents
Freezing temperatures combined with wind drafts can cause pipes to freeze more frequently.
Reduce the risk of a homeowners liability claim by keeping your sidewalks snow and ice free
Did you know that a slip and fall on your property could lead to a liability claim? Help reduce the risk by keeping your sidewalks and driveways snow and ice free.
With a little preparation before cold weather hits, you can help avoid minimize the risk of weather related insurance claims. Contact your local Insurance Professionals at Stuible Insurance Group with any questions, or to receive a free no-obligation insurance review!
Insurance agents, and any other professional service for that matter, have a bad habit of talking in industry jargon that leaves their clients with more questions than answers. ACV and RCV coverage are a couple of examples of very important concepts that are essential to understand, so let’s take a moment to define and explain.
ACV stands for Actual Cash Value.
With a few exceptions (like fine wine or classic cars), most things are worth less as they age. That shiny new car you bought five years ago will sell for a lot less today. This is called depreciation. Actual Cash Value is calculated as the amount it would cost to replace the lost item, minus a depreciation amount that is based on its age.
We can think of ACV this way; it is the actual cash you could get today if you sold the item. There are set depreciation standards for just about everything, from roofing shingles to flat screen TV’s.
If your insurance is based on ACV and you suffer a loss, you will generally get a lot less money than you need to replace your belongings with like-new items.
RCV stands for Replacement Cost Value
This one is easy to understand and by far your best value! Your insurance pays you an amount that it would cost to replace the lost item with another of like quality and value.
If you have a house fire and your 5 year old – 50 inch flat screen TV is destroyed, RCV coverage will replace your TV. What this means is, your loss will not be depreciated. The alternative with ACV coverage may leave you looking for a used TV, or a lower quality new model.
ACV vs RCV – Roof claims
Roofing shingles can depreciate quickly if ACV coverage is selected on your policy. Shingles are “wear items”, meaning they have an expected life span before they wear out. Most are 30 years, but wind, hail, rain and the hot summer sun, can really take their toll. Your roof goes through a lot, especially here in Middle Tennessee with our wide variety of weather, from hail storms in Spring to ice storms in the Winter.
Many insurance companies ONLY offer ACV coverage on roof claims. It lets them give you a lower insurance quote, but when damage occurs, the homeowner is often left with higher out-of-pocket expenses!
Most insured’s prefer Replacement Cost Coverage!
We offer Replacement Costs coverage on all perils if your roof is less than 15 years old. This means that your roof, home, and the contents inside (like that 50 inch flat screen I mentioned earlier) are not depreciated!
Unsure on your current coverage? Contact us for a free review of your current policy.
Tennessee Worker’s Compensation (WC) regulations can be confusing. We are often asked – am I required to have WC coverage? What are my risks if I don’t have coverage? Should I, as the owner, include myself as having coverage or not?
The fact is, the answers to these questions often vary based on the type, size, and make-up of your company.
If you have employees performing work on your behalf, it is generally a good idea to have WC coverage – even if not required to by law.
If your main workforce consists of Sub-contractors, you may not need WC coverage yourself; but you may need them to carry WC coverage on their own employees.
In it’s most basic definition, Worker’s Compensation policies pay benefits to employee’s who are injured at work. This includes:
Medical treatment and care
If an authorized treating physician restricts an injured employee’s ability to work, such as limiting the number of hours worked or the type of work performed, it is very important that the physician’s instructions and restrictions are followed at all times. Failure to report for light duty offered by your employer may terminate your temporary disability benefits.
Temporary Disability Benefits
Disability begins when the authorized treating physician takes an employee off work. Temporary disability benefits replace lost wages and are due beginning on the eighth day of the disability. If the disability lasts fourteen (14) days, benefits will be paid back to the first day of disability. Temporary disability benefits are usually two-thirds (⅔) of the injured worker’s average weekly wages earned during the 52 weeks prior to the injury. If you are able to work, but your average weekly earnings are reduced because of work restrictions, you may be entitled to partial disability benefits.
Requirements for workers’ compensation may be difficult to understand as the law does not clearly specify every possible situation. Small businesses for which the workers’ compensation law may apply should seek the advice of legal and insurance professionals and obtain coverage if necessary.
You need a partner to help you determine your risk, and the best plan of action to implement a policy to protect you. Contact us today to get started.