I got a call Monday morning from a client of many years! He called to tell me that his wife, a dear friend/client of mine for 39 years passed away the previous morning. He said with the deepest of sadness: "Saturday night, we had about 3 hours together and she told me to immediately call you because she knew you would take care of all things insurance for her and me. So I'm calling you first!" He had not even been to the funeral home or had begun making arrangements for his 67-year-old wife of 33 years. We both shared sadness and shock that her journey to the end of life occurred in less than 3 weeks.
When he speaks all things insurance, he was calling to ask me to begin the process of filing a claim on a 20-year term insurance policy on her life that I wrote in 2003. She had paid her premiums faithfully for 14 years. She had very specific beneficiary designations to include not only her husband but her parents, siblings as well as their children. We filed the claim with the insurance company and they are rushing the necessary information to this widowed husband immediately so he & the company can get the life insurance benefit dispersed immediately!
The human side of this work for us as an agency is always a challenge because as you, we care for the people we have the privilege of working with. I have many others who have become friends of this agency over the years. Each event we encounter - similar to this one - continues to validate this agency's very existence.
We've lost a great friend and client to sudden death. We pay tribute to her and to her husband and family who are in our thoughts and prayers!
Many of our customers don't realize that I personally review each policy that renews in my agency annually. I block out several hours to review how a customer's rates have been over time and what they can expect in premium on their next renewal. Sometimes, it's painful to see some of the increases that are caused by an event that involved the customer. There are a number of reasons a rate can change from excessive claim activity to at-fault accidents, traffic citations and many other premium affecting reasons. However, if a customer has taken care of their risks and has little or no negative activity on their account, rates don't often change in any great degree.
I have just finished a large group of customer policy renewals today. Of the several hundred policies I reviewed, it was a joy to see that the average rate change had increased approximately 5% or less and premium decreases that were in the range of 5 to 15% average. Some of our customers' rates dropped 20% or more and others had no change in their rates. In a marketplace where I read of insureds facing major premium increases not to mention the opportunity we have in the agency of welcoming new customers whose rates with their former company escalated over 30%, it's great that we have a cost-effective solution for them. Our portfolio of companies are managing their companies with care and operating extremely stable in the property & casualty market right now.
If you or someone you know isn't happy with their auto, home, apartment, condo or life insurance rates, I can say with strong conviction that we have a good chance of saving them money because our rates are level and inviting.
Let us help you! Simply contact any of our staff at 615.377.1212 or email us atinfo@BentonWhite.com. I always say .. anyone can sell a policy but making sure that we stay in touch and offer service after the policy is written is the key to creating long-lasting relationships with our customers. That's why I do renewal reviews! In nearly 39 years in this business, I have never written policies and left the customer to just pay premiums! We're here at every turn to EARN the business of our great customers. It's just what we do!
As the spring season gets fully underway, families gear up for spring break car trips or college visits. With better weather, more drivers take day trips or plan weekend getaways. This all adds up to more drivers on the road, and more potential for distracted driving – which also increases the odds of traffic accidents with bodily injuries.
April is Distracted Driving Awareness Month, the time of year when the National Safety Council and other organizations join forces to heighten awareness of distracted driving.
According to the National Highway Traffic Safety Administration (NHTSA) distracted driving is defined as any activity that diverts attention from driving, including talking or texting on your phone, eating and drinking, talking to people in your vehicle, or fiddling with the sound, entertainment or navigation system — anything that takes your attention away from the task of safe driving.
NHTSA calls texting “the most alarming distraction” because tests show that sending or reading a text takes your eyes off the road for five seconds. At 55 mph, that’s the equivalent of driving the length of an entire football field with your eyes closed, NHTSA explains.
The Property Casualty Insurers Association of America (PCI) is joining nationwide efforts to promote the importance of distracted driving awareness. One of the most frightening trends, PCI says, is the ubiquitous use of smartphones behind the wheel.
“Distracted driving is thought to be one of the leading causes for the rise in vehicle accidents. Whether it’s making a quick call, firing off a text, or adjusting the navigation system, in that short lapse of focus, all too often drivers can cause or fail to avoid a crash. And our increasingly congested roads compound the problem,” said Bob Passmore, PCI’s assistant vice president, personal lines policy.
The implementation and enforcement of distracted-driving laws, which discourage texting while driving and ban handheld cellphone use, are important first steps, PCI says.
“Auto safety is a top issue for auto insurers. We hope the dialogue on distracted and impaired driving will continue, and we urge lawmakers and other industry thought leaders to continue addressing the impact of motorist behavior as an important part of the safety equation,” added Passmore.
Employers and distracted drivers
Not only is distracted driving dangerous for individuals, the Insurance Information Institute ( I.I.I.) points out, but there is a growing concern among business owners and managers that they may be held liable for accidents caused by their employees while driving and conducting work-related conversations on cellphones. I.I.I. explains that under the doctrine of “vicarious responsibility,” employers may be held legally accountable for the negligent acts of employees committed in the course of employment. Employers may also be found negligent if they fail to put in place a policy for the safe use of cellphones.
Here are the top 7 safety tips from PCI and I.I.I. to help you & your family members avoid distracted driving.
1. Wear your seat belt.
Whether you’re taking a weekend get-away or just running errands around town, PCI encourages you to buckle up, drive safely and try to be prepared for those who may not. All passengers should be buckled up, even in the back seat.
Seat belts save lives and help prevent injuries. Also, make sure children are in the proper car or booster seats.
2. Plan ahead and allow extra travel time.
With more people on the roads, often driving in unfamiliar territory, the potential for a traffic crash increases. PCI encourages motorists to plan their routes in advance when traveling to new destinations, be patient, and allow for extra travel time.
Some auto accident reconstruction experts suggest that blindly following GPS systems has caused increases in accidents. If you’re going to use an electronic navigation system, check the directions before you start driving to be sure you understand where the system is taking you and where the turns are.
3. Observe speed limits, including lower speeds in work zones.
Stay focused on the road and be aware of changing traffic patterns caused by construction.
Be cautious of the construction workers themselves, who are often in close proximity to the highway—and at great risk.
Many states have increased fines in work zones, yet another reason to be more cautious.
Also, be aware that construction on major highways often takes place at night, when there is less traffic, but reduced visibility.
4. Avoid distracted driving.
When the entire family is traveling in the car, the opportunity for distraction is multiplied.
Remember to put the phone down, and never text while driving.
Be careful when eating on the run, as lunch can be just as distracting as a cell phone. As I.I.I. notes, eating takes both your hand off the wheel and your eyes off the road, so don’t do it. Furthermore, spills can easily cause an accident. If you have to stop short, you could also be severely burned.
Buckle up or secure pets in the back of the car. Never allow your pet to ride in your lap while you’re driving.
5. Have a plan for roadside assistance.
If an accident occurs, be wary of unscrupulous towing companies. Have the phone number for your insurer or a roadside assistance program ready so you know who to call.
Some towing companies take advantage of drivers after an accident, and you could find yourself facing excessive fees or complications recovering your car from the tow yard.
6. Update your proof of insurance.
Before hitting the road, make sure to replace any expired insurance identification cards so you can prove you have insurance in the event of an accident or a traffic stop.
You should also check traffic laws for any states that you’ll be driving through or staying in.
7. Use safe phone habits.
I.I.I. advises drivers to pull off the road to a safe location if you must use the phone or text with someone.
If you must dial from the road, use voice-activated dialing. Program frequently called numbers and your local emergency number into your phone and use voice-activated dialing.
Let your voice mail pick up your calls while you’re driving. It's easy — and much safer — to retrieve your messages later on.
If you must make or receive a call while driving, keep conversations brief so you can concentrate on your driving. If a long discussion is required or if the topic is stressful or emotional, end the conversation and continue it once you are off the road.
Simple reminders that could make a trip on these busy Middle Tennessee roads more safe for you and those who ride with you. The danger is real as we are seeing in our claims this year that distracted driving is going to cost us more in insurance premiums in the days ahead.
Thanks for reading our blog! We're here to help and to EARN your insurance business. If there is anything we can do for you, feel free to email us atinfo@BentonWhite.comor contact our staff at 615.377.1212.
You buy insurance to protect your finances from life's surprises. But unless you know the finer points of your policies, you could be left with another surprise -- no coverage where you thought you had it. We get questions almost daily asking is this covered? We do our best to give the most accurate and easy to understand answers we can offer. I thought it might be good to share some of the more common questions (and one not so common) that we get here in the agency! Hopefully, this will help you to have a better understanding about your own insurance and what is or is not covered!
You lend your car to a friend. Does your auto insurance cover him or her?Yes - Generally, your auto insurance will cover a friend driving your car, as long as he or she has a license and has your permission to use the vehicle.
During a storm, your neighbor's tree falls on your house. Whose policy covers the damage? Yours! If a tree falls on your house, you are covered by your own homeowners insurance policy, not your neighbor's. However, if the neighbors tree was dead already and wasn't maintained by the owner of that tree, there could be other liability issues against that tree owner.
Your basement floods. Good thing you bought a separate flood insurance policy ahead of time. What does it cover? Choose: A. Carpet / B. Furnace / C. Furniture.The answer is B! The only thing on this list that's covered is your furnace. Flood insurance covers structural elements and essential equipment in a basement, but not living improvements made down there. That means it won't pay for furniture or carpets in a basement room, or damaged drywall that has been painted. (It will cover those things upstairs, however.) And don't expect your homeowner's policy to pick up the tab, either.
You rent a car. Does your existing auto insurance protect you in case of damage? Yes - Typically, your auto insurance will cover a car rental. Before you take a trip, you should check to be sure, or you may need to buy insurance from the rental car company. Check with your credit-card company, too -- it may also provide coverage.
Your 18-year-old child goes away to college. Is she still covered under your health insurance? Yes - Insurers must let adult children up to age 26 (today's definition of Affordable Health Care) stay on their parents' policies as long as the child isn't covered by an insurance plan at his or her own job.
Are your child's belongings covered under your homeowner's insurance while he's living in a college dorm? Yes - As long as your child is a full-time student and younger than 24, his belongings are usually covered by the parents' policy if he lives in a dorm. If he moves off campus, he might need to get his own renters insurance policy.
After a shopping spree at the mall, you put the goods in your car. Then you go back in to grab lunch. When you return, you find your purchases have been stolen. Are you covered? Yes - theft of your personal property is covered under your homeowners or renters policy. But bear in mind that the insurance company will probably want proof of your loss, so if your receipts were stolen along with the merchandise, you'll have to come up with some other way to prove what you bought. Also check with your credit-card company. Some offer extra purchase protection in case of theft.
Does your home insurance policy cover you for earthquake damage? No - Unless you buy separate earthquake insurance, you're not covered.
What if a volcano erupts? Are you covered then? Yes - You're in luck! A standard homeowner's policy will cover you against a volcanic eruption.
If I have a claim, do I call the insurance agency or do I call the insurance company? Call US! We're here to help you during that tough time and make sure we direct you appropriately in order to get the quickest results for settlement of your claim.
Hopefully these 10 questions with answers can give you better insight into what would be covered in these instances. We have more just like this on our website. Just visit our FAQ page for more in depth information.
Let us know how we can help you! Contact any of our staff at 615.377.1212 or email us at info@BentonWhite.com. We're help to make insurance easier for you. We want to EARN your business!
So here we are on the doorstep of Christmas 2016. Once again, I find myself being grateful for another great year - working with wonderful customers such as yourself. The agency continues to grow and prosper and we continue to solve insurance problems and fill insurance needs for so many every day. Thank you for letting us serve you with your insurance.
From our great staff here at the agency, my wonderful family and me, we hope you have a wonderful Christmas and may 2017 be full of grace, peace, and joy for you and those around you.
This is my Crew - all 19 of us! A RICH man am I!
Of course, I have to post Mimi & Poppy with the grandkids!
And yes - there are those CRAZY moments when it looks just about like this!
We appreciate your business and look forward to serving you with all things insurance in the months and years ahead!
Here we go! The coldest temps of this season yet with windchills coming in the next 3 to 4 days. Some are saying a 'roller-coaster' weather pattern. In the meantime, a quick review of PIPE protection. One pipe burst can flood your property and make this Christmas season a sudden nightmare!
As a public service, take these 5 precautions so you won't have that miserable event take place:
CLOSE all foundation vents so cold air won't get in.
CLOSE & SEAL your crawl space door. That is your outside wind-blocker! Seal it tight!
DRIP a steady stream of water from one or two interior sinks spread-out in your home.
UNHOOK garden hose from the spigot and cover exterior faucets with insulating material.
KNOW where the main water shut-off valve is located so you can quickly turn off that water if a pipe does burst. Make a bee-line to it if you hear water!
Every winter season we get those sad phone calls from customers who have frozen and then burst pipes. Taking these quick precautions could make a big difference between a fun holiday or a horribly wet one in your home.
Let us know if you need anything regarding insurance. We're here to help and always ready to EARN your business. EMAIL us at info@BentonWhite.com or call any of our capable and friendly staff at 615.377.1212. Merry Christmas to you and your family! Thanks for putting your eyes on our blog! Hope it helps!
We continue to welcome calls into the agency from people who are struggling to get a healthcare solutions individually or for their family. There's no question, healthcare these days is a challenge for nearly all of us.
I read an article this morning in THE TENNESSEAN that gives a little more information about what others face and the solutions that are out there. I thought it might interest you in seeing this article written by Holly Fletcher of THE TENNESSEAN with contributions from Kristi Nelson with the Knoxville News Sentinel.
Alan Hall sat with his laptop at the ready at Bellevue Public Library Sunday, prepared to help people navigate healthcare.gov as the first Health Insurance Marketplace deadline approaches this week.
The deadline to sign up with a guaranteed Jan. 1 coverage start date is Dec. 15. Navigators around the state like Hall are preparing for a busy week.
Listen to Hall speak for very long and it's a workshop on insurance, explaining co-insurance and the structure of plans' specialist and emergency room coverage, along with the random, odd personal fact - presumably the answer to a security question that won't be hard to remember.
Hall helped Melinda Hmielewski get enrolled in a Cigna plan that will start on Jan. 1. She's been paying $554 a month for Cobra through her former employer. Starting in 2017, however, her new premium will be zero.
She enrolled in a plan in about half an hour and thought the process, guided by Hall, was "just wonderful." She won't "have to pay a dime" in premiums and plans to use the plan as a bridge until she lands a new job and moves onto employer-sponsored coverage.
Hmielewski, referred to Hall by her sister Deborah Garrett, was his first appointment of the afternoon. Garrett has had an individual plan on the federally run exchange for two years.
While activity at enrollment events across the state is on par with last year, some groups expect to exceed the number of people they helped in 2015 by the end of the week.
The state saw fewer people enroll in the first month compared to the year before, but navigators said the loss of BlueCross BlueShield of Tennessee continues to be a concern for people in Nashville, Memphis and Knoxville who are weighing their options. Hall estimates that, for every one new enrollee he's helping, eight people pick a new insurer.
There were 55,434 people who picked a plan on the federally run Obamacare exchange across the state from Nov. 1 to Nov. 26, according to the U.S. Department of Health and Human Services. In the first four weeks of enrollment in 2015, 62,922 Tennesseans selected a plan.
In Knoxville, the BCBST twist combined with the election of Donald Trump is shaping people's decisions, said Derrick Folsom, outreach coordinator for Cherokee Health Systems. Some people are forging ahead with picking new providers or insurers while others think the repeal-and-replace will come quickly in 2017 and are opting not to buy a plan.
Hmielewski expects Trump and his administration will take "what we've had in place for the last four years and make it better."
Folsom's seen people who say, "I'm going to get it one last time."
Plans purchased for next year will be in place throughout 2017. Trump and other Republicans in Washington, D.C., are talking about delaying the impacts of repeal for a couple of years.
"I just tell everybody that it's certainly going to be around this year," Hall said.
People who want a plan that starts at the beginning of 2017 shouldn't wait until the last minute to start enrolling, navigators said.
Last year, a surge of users in the days leading up to the 15th caused some shoppers to experience wait times online and on the phone, though the problems were not as widespread as the issues that plagued healthcare.gov in its first year. Federal officials wound up extending the deadline.
Dr. Mike Looney, the Superintendent of Williamson County Schools has made a great proactive move this week. There have been several vehicle tragedies in our area in the last few weeks where students have died either behind the wheel of a car or as a passenger. Dr. Looney addresses the need that we all have to be more careful to do all that we can to reduce these senseless tragedies.
We applaud Dr. Looney for this video. Obviously, we completely agree and hope that we all will do more to help all drivers - especially the less experienced drivers to learn the right way to drive so we can reduce accidents & accident deaths around us.
If there is anything we can do to help you with your insurance, we want to and are ready to protect you and your family in the best and most economical way possible. Contact any of our staff at 615.377.1212 or email us at info@BentonWhite.com.
I saw this a few days ago and thought it was interesting. It's fairly typical of what we see regarding outlook, economic outlook and concerns of many of us. Travelers, one of our great companies in the agency, offers their annual risk index and this graphic was put together to show the highlights.
We try to insure our customers so they WON'T be up at night! As a matter of fact, I often say ... "the decision about the right insurance program as well as the right amount of coverage truly depends on what helps you to sleep best at night!" After over 38 years in this business, I still feel that way.
If we can help you with anything insurance, contact any of our staff at 615.377.1212 or info@BentonWhite.com. ive us a call! It would be our pleasure to earn your business!
Today and everyday! This week and every week, we are grateful for so many things, including great relationships with family, friends, business acquaintances and many wonderful customers! Let's take a much needed break this week and remember how truly blessed we are!
Enter His gates with thanksgiving and into His courts with praise! Give thanks to him and bless His name! Psalm 100:4 (NASB)
We wish for you a Blessed and Happy Thanksgiving from all of us
at Benton White Insurance!
How attentive are you when you drive? Is your attention on driving or are you distracted with the many things now available to us all as we drive. It's a critical time on our highways these days with distracted driving accidents growing at an alarming rate! Here are possibly some of the reasons why.
When distracted driving entered the national consciousness a decade ago, the problem was mainly people who made calls or sent texts from their cellphones. The solution then was to introduce new technologies to keep drivers' hands on the wheel. Innovations since then - car Wi-Fi and a host of new apps - have led to a boom in internet use in vehicles that safety experts say is contributing to a surge in highway deaths.
After steady declines over the last four decades, highway fatalities last year recorded the largest annual percentage increase in 50 years. And the numbers so far this year are even worse. In the first six months of 2016, highway deaths jumped 10.4 percent, to 17,775, from the comparable period of 2015, according to the National Highway Traffic Safety Administration.
"This is a crisis that needs to be addressed now," Mark R. Rosekind, the head of the agency, said in an interview.
The Florida Highway Patrol is investigating an Oct. 26 crash near Tampa that killed five people. A passenger in one car, a teenager, recorded a Snapchat video showing her vehicle traveling at 115 m.p.h. just before the collision.
A lawsuit filed in a Georgia court claims a teenage driver who was in a September 2015 crash near Atlanta was using Snapchat while driving more than 100 m.p.h., according to court records. The car collided with the car of an Uber driver, who was seriously injured.
Alarmed by the statistics, the Department of Transportation in October outlined a plan to work with the National Safety Council and other advocacy groups to devise a "Road to Zero" strategy, with the ambitious goal of eliminating roadway fatalities within 30 years.
The Obama administration's transportation secretary, Anthony Foxx, said that the near-term effort would involve identifying changes in regulations, laws and standards that could help reduce fatalities. That might include pushing for all states to tighten and enforce laws requiring use of seatbelts in cars and helmets on motorcycles, while cracking down on distracted or drunken driving. The effort might also include tougher regulation of heavy trucks, Mr. Foxx said.
A second, related effort would focus on setting longer-term goals and speeding the introduction of autonomous-driving technologies that many safety experts say have the potential to prevent accidents by removing distracted humans from the driving equation.
One concern so far, though, is that current generations of automated driver-assistance systems, like the Autopilot feature offered by Tesla Motors, may be lulling some drivers into a false sense of security that can contribute to distracted driving.
Whether highway safety officials in the Trump administration will have the same priorities, though, is too soon to say. The names of candidates for transportation secretary have not yet been publicly floated.
Most new vehicles sold today have software that connects to a smartphone and allows drivers to place phone calls, dictate texts and use apps hands-free. Ford Motor has its Sync system, for example. Others, including Honda, Hyundai and Mercedes-Benz, offer their own interfaces as well as Apple's CarPlay and Google's Android Auto.
Automakers say these systems enable customers to concentrate on driving even while interacting with their smartphones.
"The whole principle is to bring voice recognition to customers so they can keep their eyes on the road and hands on the wheel," said Alan Hall, a spokesman for Ford, which began installing Sync in cars in 2007.
Since then, the company has added features to reduce distractions, like a "do not disturb button" that lets drivers block incoming calls and texts.
CarPlay allows use of the iPhone's Siri virtual assistant to answer phone calls, dictate texts and control apps like Spotify and Pandora. Both Sync and CarPlay present simplified menus on a car's in-dash display to reduce driver distraction and turn off the phone's screen, eliminating the temptation to use the device itself.
But Deborah Hersman, president of the nonprofit National Safety Council and a former chairwoman of the federal National Transportation Safety Board, said it was not clear how much those various technologies reduced distraction - or, instead, encouraged people to use even more functions on their phones while driving. And freeing the drivers' hands does not necessarily clear their heads.
"It's the cognitive workload on your brain that's the problem," Ms. Hersman said.
Technology in some new cars is meant to reduce driver distractions or compensate for them.
Dr. William Chandler, a retired neurosurgeon in Ann Arbor, Mich., just bought a 2017 BMW X5 sport utility vehicle that warns him if he drifts out of his lane on the highway or if a car is in his blind spot. His favorite feature is a heads-up display on the windshield in front of him that projects his speed, the speed limit and navigation information.
"It puts all the directions and turns right there in my field of vision," he said. "That's a real safety factor for distracted driving, because I'm never looking at the map on the screen in the console."
But new cars make up only a small portion of the 260 million vehicles on the road in the United States. Digital diversion is harder to address in older models.
Brett Hudson, 26, a teacher at a charter school in Jackson, Mich., said his iPhone 6 Plus had become essential to his daily commute in his 2002 Chevrolet TrailBlazer. He uses Apple Maps for navigation, listens to music via Pandora and gets his favorite Michigan football call-in show on iHeart Radio.
To reduce the time he looks at the phone, Mr. Hudson installed an aftermarket Bluetooth system for hands-free phone calls. He mounts the iPhone on a clip attached to an air vent, enabling him to see the screen while still keeping the road in his field of vision.
Mr. Hudson concedes that the setup is not risk-free.
"I've noticed that when I do have to touch the phone,'' he said, my brain becomes so totally focused, even in that short period of time, and I don't really remember what's happening on the road in those four or five seconds."
Insurance companies, which closely track auto accidents, are convinced that the increasing use of electronic devices while driving is the biggest cause of the rise in road fatalities, according to Robert Gordon, a senior vice president of the Property Casualty Insurers Association of America.
"This is a serious public safety concern for the nation," Mr. Gordon said at a recent conference in Washington held by the National Transportation Safety Board. "We are all trying to figure out to what extent this is the new normal."'
We're here to help you with your insurance whether it be auto, home, motorcycle, life, long term care or other insurance needs. Contact any of our staff at info@BentonWhite.com or call us at 615.377.1212. With more than 38 years experience, we're ready to earn your insurance business.
[Portions of this blog post taken from an article in the New York Times - online edition - November 16, 2016 written by Neal E. Boudette (www.nytimes.com).]
I have followed Dave Ramsey from the early days of his career. I know many people who work on his team and have the pleasure of insuring many folks who follow Dave's template of financial peace! One thing Dave doesn't do: he doesn't mince words and you're never confused about what he thinks! His financial counseling on-air, online, in churches, schools and to the general public have turned many debt ridden people into debt free winners! (www.DaveRamsey.com)
He had a pretty serious and factual rant about the current state of medical insurance a few days back. He is voicing what I hear almost daily in my business with people facing MAJOR premium increases and loss of coverage as a result of our current healthcare insurance problem. This industry is in the worse place I have seen it in my 38+ year career and Dave addresses it here:
We're here to help and do what we can to find places or solutions to any of your insurance needs including healthcare coverage. If we can help, please contact any of our staff at info@BentonWhite.com or feel free to call us at 615.377.1212. We want to earn your business!
It's clear that autonomous vehicles are coming to the market place. The only question is how quickly.
Google garnered attention with its prototype of a self-driving car, Ford Motor Co. says it plans to sell driverless cars to the public by 2025, and several other manufacturers, such as Mercedes, BMW and Volvo, are in the test phase. And, in the United States at least, a true sign of the coming technology: The federal government issued regulations on autonomous cars on Sept. 20.
The vehicles are touted as a way for aging drivers and people with disabilities to maintain their independence. They're also predicted to increase traffic safety and cut down on distracted driving. Commercial truck fleets are also testing autonomous vehicles, and cargo container ships are interested in the technology as well.
Earlier this year, the driver of a Tesla was killed in an accident while operating the vehicle on autopilot, and Chinese researchers recently claimed to have hacked into a Tesla and taken control of the brakes, among other things.
Here's a look at eight reasons that drivers are reluctant to use self-driving cars, according to a survey by the Boston Consulting Group and the World Economic Forum:
In the survey, 23 percent of the respondents were concerned that the car could be hacked.
7. Price tag
In the survey, 25 percent said they were unwilling to pay for self-driving functionality.
6. Traffic concerns
In the survey, 26 percent of respondents said they wouldn't trust self-driving technology in mixed traffic.
5. Unknown technology
More than a quarter of survey respondents - 27 percent - say they don't know enough about the technology yet.
4. Loss of a pleasurable experience
Almost 1 in 3 survey respondents - 30 percent - said that driving a motor vehicle is a pleasurable experience that they're reluctant to give up.
3. Driver' error
Of those surveyed, 43 percent don't want the car to make "mistakes" on the road.
2. Need for control
In the survey, 45 percent said they have a need for the driver to be in control of the vehicle at all times.
1. Safety concerns
Half of the people surveyed - 50 percent - responded that they wouldn't feel safe in a self-driving car.
Autonomous vehicles will certainly change auto insurance - both personal and commercial - in ways we're not completely sure of yet. But what do consumers really think about self-driving cars? Will the technology be adopted as quickly as we adopted smartphones?
We'll continue to keep an eye on the driverless car developments as it relates to insurance. Certainly insurance companies are very busy analyzing these risks and how to insure them properly and for the right price. We'll pass along anything we learn as this subject progresses.
If we can help you with driver-controlled car insurance, we're here and ready. Please reachout to any of our staff at info@BentonWhite.com or contact us at 615.377.1212. We're ready to EARN your business!
[Portions of this post taken from a recent article by: By Rosalie L. Donlon, PropertyCasualty360 // October 20th, 2016]
Every insurance policy is different. Properly understanding what's covered requires the homeowner to ask a lot of questions and to read the fine print on his or her insurance policy. Though there are differences between policies, there are some things that almost all insurance policies will have in common.
Homeowners insurance typically covers a broad range of possible damages. You can expect that your actual dwelling is covered, as well as some other structures on your property, like a garage, fence, driveway or shed. However, if you run a business on your property that's housed in a separate structure, this is generally not covered in the typical insurance policy.
Personal Property is typically accounted for in your policy as well. This is sometimes known as contents insurance. The amount of coverage for personal property may be limited on certain types of high-value items, such as jewelry or artwork, unless additional coverage is purchased for these items.
Replacement Cost vs. Fair Market Value
Not all insurance policies offer homeowners the replacement cost of the property. Buying coverage for replacement cost helps to bridge the gap that can be caused by inflation and loss of value when property items are no longer new. Otherwise, if a claim is made, it will be assessed at fair market value. Since some items depreciate quickly, this means that you may not get enough money from a claim to cover or replace the items that were lost or damaged. Coverage for replacement costs will ensure that you're able to replace the items that were lost, with similar items. If having this coverage is important to you, you'll want to be sure that both your home and personal property are covered for replacement cost. (At Benton White Insurance, we automatically include replacement cost on both dwelling and personal property.)
Car Broken in at Home
Most homeowners insurance policies generally include coverage for personal effects and separate structures on your property, such as a garage or a workshop. But what happens if your car is broken into while it's on your property? This is where the distinction between your home and auto insurance policies can become a little blurry. Many home insurance policies will provide some insurance for personal items that are stolen from your car, but some of the more comprehensive auto insurance policies may cover this, too. Insurance companies may also limit the coverage available through your policy, if the items stolen were purchased for use in the vehicle exclusively.
Natural Disaster Coverage
A wide range of natural disasters are typically covered by your homeowners insurance policy, though not all of them. If you live in some regions, you'll want to be sure to inquire about things like tornado or earthquake insurance. However, the typical inclusions for natural disaster include fire, lightning, windstorm and hail. Your policy may also include coverage for smoke damage, or damage caused by falling items. Earthquakes and other natural movements of the earth are not typically covered by insurance policies, though you can purchase separate insurance to cover these types of events.
Flooding is much the same as earthquakes, when it comes to homeowners insurance. Flash floods and even sewer backups are not generally covered in basic homeowner insurance policies, though you can ask your insurance company about adding coverage to your policy, especially if you live in a region that is prone to flooding. (For related reading, see Understanding Lender-Required Flood Insurance.)
Most homeowner insurance policies include coverage for injuries incurred by those on your property where you are liable. This could include something like someone slipping on a patch of ice that's on your front walk, or falling as a result of a broken step on your porch. This coverage is usually limited to a certain dollar value, so you definitely want to know how much coverage you have and exactly what's included. We're strong advocates of perosonal injury and personal liability coverage that extends above the base limits of your policy at Benton White Insurance. And, the pricing of the extra coverage is just pennies per day!
The deductible is the amount that the insured party has to pay when a claim is made. You can decrease your insurance costs by increasing the amount of your deductible, meaning you'll be required to pay more if you ever do have an incident that requires you to make a claim. Keep in mind that many mortgage providers require homeowners to carry a certain amount of insurance on their property with a deductible that's below a specified limit. Check with your mortgage provider before opting for the lowest possible rate with the highest possible deductible. It might be tempting to go for the lower rate, but if you ever do have to make an insurance claim, you might regret it, if you're responsible for a $10,000 deductible.
The Bottom Line
It may not seem like particularly interesting reading material, but it's a lot better to take the time to thoroughly read up on what your insurance policy covers, than to be stuck in a situation where you're not sure when you really need it. We often feel here at the agency that we are more in the education business than in the insurance policy business. We work hard to blend both so you end up with the most competitive coverage for the most affordable pricing. It's our job to educate you on all types of coverage's and make sure we don't miss anything that you need insured. Who knows, you might need additional coverage to cover your original Van Gogh painting or that giant diamond ring. We can help!
At the end of the day, doing your homework before purchasing a policy could really pay off if you're ever stuck in an unfortunate situation when you actually need to rely on your homeowners insurance.
We're here to help! Contact any of our staff at info@BentonWhite.com or call us at 615.377.1212. We're here to earn your business and help you to understand it too!
Portions of this blog post taken from: What Is and Isn't Covered by Homeowners Insurance | Investopedia | By Janet Fowler
Not that we've had questions about this .... and honestly, not that we have a tremendous interest in this story. However, there is ALWAYS an insurance angle that many don't consider. When there is $10Million in jewelry stolen in a robbery in a foreign country, many questions have to be answered before a claim could be paid. I thought this article from Billboard Magazine was interesting enough that we should share it. It's interesting reading!
This comes from an article entitled: HOW MUCH INSURANCE MONEY WILL KIM KARDASHIAN RECEIVE FOR HER STOLEN JEWELS? THAT DEPENDS / 10/6/2016 by Lauren Indvik, Billboard
"A multi-million dollar claim like this one is going to be difficult, both to investigate and to resolve," says Heather Perkins, head of underwriting at L.A.-based jewelry insurance specialist Lavalier.
A few hours after midnight on Monday morning, Kim Kardashian West was robbed at gunpoint in her Paris hotel of what is now estimated to be more than $10 million worth of jewelry - a story that has captivated the media, both in Europe and the U.S., in the days since.
As there is little chance the jewels will be recovered, Kardashian is now presumably about to enter into a complicated claims process with her insurance company - most likely Lloyd's of London (which specializes in insurance for multimillion-dollar gems), according to Scott Andrew Selby, co-author of Flawless: Inside the Largest Diamond Heist in History.
But how much Kardashian West will receive for the loss (assuming, of course, that each piece was insured) depends on a number of factors, including the category and conditions of her coverage. "It all depends on the type of jewelry coverage the customer purchased," Janece White, North American vice president of underwriting and jewelry specialist at Chubb Personal Risk Services, a multinational property and casualty insurer, tells Billboard. "Was it worldwide coverage? Was there a maximum amount of coverage provided while traveling? Were there any restrictions with regard to the security required while traveling with the jewelry? In some instances restrictions are placed on the policy, which require that when traveling the jewelry be kept in a secure hotel safe - not the room safe."
The conditions of Elizabeth Taylor's insurance on the famous, 69.42 carat Taylor-Burton diamond, for example, specified that Taylor should only wear it in public 30 days per year and when protected by security guards, according to Lloyd's. If anything had happened to the diamond while violating those conditions, she would not have received the full value of her claim.
Assuming Kardashian West is indeed insured, and was following the dictates of her policy to a T, the claims process will still be complicated. "Very high value, unique and rare items can be tricky to replace with pieces of 'like kind and quality,' which is the standard for most insurance companies," Heather Perkins, head of underwriting at Los Angeles-based jewelry insurance specialist Lavalier, tells Billboard. "So a multi-million dollar claim like this one is going to be difficult, both to investigate and to resolve.
"It is common for those who own jewels as pricey as Kardashian West's to wear imitation jewelry while traveling - something White strongly suggests for other owners of high-ticket items. And if an imitation set is not an option, storing the jewels in the hotel security safe when they aren't being worn is a must. "I would also be wary of making my whereabouts known, as individuals who could wish me harm could use that information," she adds. "And lastly, because even when all precautions are taken, sometimes bad things happen. I would want to make sure I had the best insurance coverage in place to protect my valuables."
We insure jewelry, music instruments, sports equipment and many other personal type articles. And yes, if you have $10,000,000 to insure, we have companies. So let us know if we can help! Contact any of our staff at info@BentonWhite.com or call us at 615.377.1212. We're always ready to earn your business!
I wanted to get this to you as soon as possible. This is a major announcement regarding healthcare insurance here in Tennessee. The #1 and largest provider of healthcare insurance in Tennessee is pulling out of the major metro markets including Nashville on the Obamacare exchange. This article below from The Tennessean - released late this morning gives details.
Unfortunately, this will affect how we offer healthcare coverage in this agency because Blue Cross Blue Shield of Tennessee was one of our primary healthcare providers. Up until today, I have put my emphasis toward their good product(s) because one would think the largest provider would have success in this awkward national healthcare environment. They couldn't and now we all will be forced to the healthcare.gov site to find decreasing amounts of providers that are still participating in the national healthcare system. We will continue to find best avenues to share with our customers as it pertains to sustainable healthcare insurance.
The premise of having everyone covered for healthcare is a good one. But no one has considered how the insurance companies that will provide the coverage can pay for it. And since many companies are dropping out as a result, those that remain will undoubtedly be forced to increase their premiums by incredible percentages in order to continue to participate in all of this. The story isn't over and we'll do out best to keep you informed as the progress or lack thereof develops.
As we celebrate 38 years in this business this Saturday - October 1, we're here if there is anything you need from us. Certainly, our other markets are very stable in the auto, home, commercial, life and other personal lines of insurance. If you need us for anything, we're ready to earn your good business. THANKS for the opportunity to do just that! EMAIL us at info@BentonWhite.com or call any of our staff at 615.377.1212. Stay tuned for more regarding this healthcare market as we learn more!
Have you ever been in that horrible situation where you had less than 100 miles to reach your destination in your vehicle. BUT, your eyes are closing and your reactions are sluggish but you 'just can't stop ... you have to make it.?' The decision to get behind the wheel or stay on the road despite feeling drowsy can be deadly. Fatigue-related fatal and injury crashes cost a staggering $109 billion a year, not including property damage.
Drowsy driving is not a new traffic safety problem. However, the recognition of drowsy driving as a significant public health and traffic safety issue has only recently been made a priority. In March 2015, the National Highway Traffic Safety Administration announced the agency would take a comprehensive approach to preventing the tragedies attributed to driver drowsiness or fatigue.
The NTSB added human-fatigue to its current list of most wanted transportation safety improvements just this year. In addition, the U.S. Department of Health and Human Services'Healthy People 2020 program, the nation's roadmap for better health, includes sleep as a priority initiative and calls for a reduction in drowsy driving crashes coupled with an increase in the proportion of high school students and adults who get sufficient sleep.
Clearly, the nation's lack of sleep and its impact on driving is a threat to all drivers on the road and contributes to the increasing number auto insurance claims. The challenge is educating and engaging the public in order to create behavior change.
Keep reading to learn more about the epidemic of getting behind the wheel while impaired by lack of sleep:
Crashes involving sleepy drivers often involve a driver traveling alone at night. (Photo: iStock)
Common characteristics of drowsy driving crashes
They occur late at night, in the early morning hours or in mid-afternoon.
They are likely to result in serious injury or death.
They involve a single vehicle leaving the roadway.
They occur on high-speed roadways.
They involve a driver traveling alone.
There is no evidence of braking.
Drowsy drivers have impaired judgment and loss of visual awareness. (Photo: iStock)
Negative impact of lack of sleep
Drowsy driving is impaired driving. The extreme danger posed by tired drivers has prompted NHTSA to expand its definition of impaired driving to include not only drunk, drugged and distracted, but also drowsy.
Drowsy drivers have:
Slower reaction times.
Increased levels of risk taking.
More frequent blinking/eye closure.
Deficits in cognitive performance.
Loss of visual awareness.
In this March 12, 2011 file photo, emergency personnel investigate the scene of a bus crash on Interstate 95 in the Bronx borough of New York. Prosecutors in New York alleged the driver, Ophadell Williams, was all but asleep at the wheel, but a jury decided there was not enough proof to convict him. Although police can prove that someone is under the influence of drugs or alcohol while behind the wheel, proving a person to be too fatigued to drive is not as easy. (Photo: David Karp/AP Photo)
Who drives tired?
No one is immune from drowsy driving, but teens and young adults are particularly vulnerable.
It is estimated that drivers 25 years of age and younger are involved in more than half of drowsy driving crashes annually.
People who work night shifts and/or long or irregular hours, including first responders (e.g., police, fire, EMS), doctors and nurses, and commercial motor vehicle operators, are at high risk for drowsy driving.
A study of nearly 5,000 North American police officers, found that sleepiness is a common problem with 46 percent reporting falling asleep while driving.
It is estimated that 10 percent to 20 percent of crashed involving at least one truck or bus may have involved tired drivers.
Many people who suffer from sleep disorders are undiagnosed and untreated, which means they may not recognize they are having problems with alertness or drowsiness when driving.
Laws that address impairment - including drowsy driving - must be enforceable. (Photo: iStock)
Drowsy driving laws
Only two states - New Jersey and Arkansas - have enacted legislation that expressly addresses motorists who drive drowsy and subsequently injure or kill someone.
New Jersey's statute, known as Maggie's Law, took effect in 2003. It is named for a 20-year-old college student who was killed by a driver who had not slept in 30 hours and smoked crack cocaine. The crash led to two trials resulting in the driver receiving a $200 fine and a suspended jail sentence since driver fatigue could not be considered as a factor by either jury.
The statute deems driving "while knowingly fatigued as recklessness" and defines fatigued as "being without sleep for a period in excess of 24 consecutive hours."
Arkansas' law, like New Jersey's, defines fatigue in the same way, but also adds "or in the state of being asleep." In both states, law enforcement has had limited success convicting drowsy drivers under these statues.
While sleep advocates are encouraging other states to follow Arkansas and New Jersey's lead, the effectiveness of these laws is still up for debate. While the GHSA has not adopted an official position on states enacting drowsy driving laws, the association notes that any law that addresses impairment - including drowsy driving - must be enforceable.
Vehicles drive on a two-lane highway with rumble strips, a safety feature to alert drivers who are veering off the road. (Photo: iStock)
Engineering improvements to make roadways and vehicles safer
Rumble strips: Raised or grooved patterns placed on the roadway surface that produce both a loud noise and a vibration when a vehicle's tires travel across them are a proven and cost-effective tool for reducing drowsy-driving crashes. When placed along the shoulder of the road, they alert drivers when they are drifting or about to run off the road. When placed along the centerlines, they make drivers aware that they have crossed into an opposing travel lane.
Installation of rumble strips is inexpensive compared to other infrastructure improvements (about $1,000-$1,500 per mile).
Evaluations indicate that they can reduce lane departure crashes by 50% or more, depending on the location.
Median cable barriers: Made of three or four steel cables strung on posts, when a vehicle hits this barrier, the posts break and the cables flex, absorbing much of the crash force. This redirects the vehicle along the median, preventing a cross-median crash.
They are much less expensive to install compared to concrete and metal beam barriers ($140,000-150,000 per mile versus $400,000-500,000 per mile).
Most states that have installed cable median barriers report a decrease in cross-median crash fatalities of 90 percent or more.
Rest areas. A rest area provides tired motorists a place to safely pull off the road and take a nap. Sleep is the most effective countermeasure for combating drowsy driving. Numerous studies point to the importance of rest areas for helping to make driving safer, however, they are typically located on interstates rather than rural roadways where there may be few or no places to safely pull off the road.
A number of websites such as Interstate Rest Areas and RoadNow and free or low-cost apps for both Apple and Android devices are available to assist motorists locate rest areas on roadways across the United States.
Vehicle technology. Automotive manufacturers and researchers have developed technologies that detect variations in driver performance and issue a drowsiness warning. These systems, which go by names such as Attention Assist, Driver Alert, Driver Attention Alert, Lane Departure Warning, and EyeSight, all essentially work the same. However, they are typically not sold as standard features, but available as upgrades to base models or on higher-end vehicles, thereby limiting their adoption.
There are other in-vehicle technologies that, while not specifically designed to prevent drowsy driving, can be helpful in preventing crashes resulting from sleepy drivers who fail to react or see a danger. For instance, adaptive cruise control senses where a vehicle in front of you is relative to your own vehicle, and slows down and speeds up your vehicle to maintain consistent spacing.Forward collision mitigation, meanwhile, detects how far and fast the vehicle in front of you may be moving and automatically applies the brakes if you do not respond.
Forward Collision Warning systems alert you when your vehicle is about to collide with another vehicle some distance ahead of yours. The warning varies by vehicle (e.g., flashing light, alarm, vibration), but unlike Forward Collision Mitigation, forward collision warnign systems do not automatically apply the brakes. Lane departure warning is perhaps the technology that has the most applicability to drowsy driving prevention. It works by looking at the road's lane markings and alerts the driver, via an alarm or vibration in the steering wheel or seat, when he or she unintentionally drives to close to the lane edge.
Schedule frequent breaks on long trips; stop every two hours or 100 miles.(Photo: iStock)
Life-saving tips for avoiding drowsy driving:
Be well rested before hitting the road. Several nights of fewer than seven or eight hours of sleep slows your reaction time, resulting in a sleep debt. It may take several nights of being well rested to repay that debt and make you ready for a long road trip.
Avoid driving between midnight and 7 a.m. and in the mid-afternoon, times when we are naturally the least alert and most tired.
Don't drive alone. If possible, travel with a well-rested passenger who can engage you in conversation and share the driving.
Schedule frequent breaks on long trips; stop every two hours or 100 miles.
Don't drink alcohol. Just one beer when you are sleep deprived mimics the effect of two or three when you are well rested.
Don't rely on caffeine to keep you awake.
Make sure you're getting enough quality sleep. (Photo: iStock)
Tips for getting a good night's sleep
Establish and stick to a seven-day a week sleep schedule. Sleeping later on the weekends makes it harder to get out of bed on Monday.
Exercise at least 30 minutes a day, but not two or three hours before bedtime.
Avoid caffeine late in the afternoon or evening; its effects can take up to eight hours to wear off.
Avoid nicotine. It's a stimulant that causes people to sleep lightly and wake early in the morning because of nicotine withdrawal.
Avoid alcoholic drinks before bed, which can rob you of sleep and impair breathing.
Avoid large meals and beverages late at night, which can cause indigestion and frequent urination, respectively.
If possible, avoid medications that delay or disrupt sleep. Talk to your doctor if any drug you are taking is keeping you up. Ask if you can take it at other times during the day or early evening.
Don't take naps after 3 p.m. They can make up for lost sleep, but late afternoon naps make it harder to fall asleep at night.
Relax before bed. Read, listen to music or engage in some other relaxing activity.
Take a hot bath before bed; it drops your body temperature and helps you feel sleepy and more relaxed.
Have a good sleeping environment, one that is cool, comfortable and technology-free. (When was the last time you changed your mattress and/or pillow?) If you have a clock by your bed, turn the face so you do not worry about the time while trying to fall asleep.
Have the right sunlight exposure. Get outside at least 30 minutes a day and turn down the lights before bedtime.
Don't lie in bed awake. If you are still awake after 30 minutes or starting to feel worried or anxious, get up and do something relaxing until you feel sleepy.
Consult a doctor if you continue to have trouble sleeping. You may have a sleep disorder or another physical or mental health condition that may be impacting your sleep.
We're in the business to insure you and help you stay safe as you drive. Thanks for reading this blog article and know, if we can help you with anything insurance, we're ready to earn your business! Just contact any of our staff at 615.377.1212 or EMAIL us at info@BentonWhite.com. We're always ready to earn your business!
[Portions of this article are a reprint from PropertyCasualty360.com - posted on their website on August 29, 2016 .. written by Jayleen R. Heft]
Tennessee's insurance regulator approved hefty rate increases for the three carriers on the Obamacare exchange in an attempt to stabilize the already-limited number of insurers in the state.
The rate approvals, while a tough decision, were necessary to ensure that consumers around the state had options when open enrollment begins in November, said Julie Mix McPeak, commissioner of the Tennessee Department of Commerce and Insurance. BlueCross BlueShield of Tennessee is the only insurer to sell statewide and there was the possibility that Cigna and Humana would reduce their footprints or leave the market altogether.
"I would characterize the exchange market in Tennessee as very near collapse ... and that all of our efforts are really focused on making sure we have as many writers in the areas as possible, knowing that might be one. I'm doing everything I can to prevent a situation where that turns to zero," McPeak said to The Tennessean.
Cigna and Humana both refiled their requests earlier this month after telling the TDCI that the first requests were likely too low.
McPeak said insurers asked for the opportunity to refile rates last year but she said no. This year, however, was different because many of areas of the state will only have one or two choices.
"I felt like I didn't have any choice but to allow them to refile their rates," said McPeak, who is concerned about the limited number of insurers..
Cigna asked for and received an average 46.3 percent increase.
Humana asked for and received an average 44.3 percent increase.
BlueCross BlueShield of Tennessee, which did not refile its request, asked for and received a 62 percent increase.
The increases underscore the complex environment of the exchange. People who buy plans on the exchange are heavier users of services than anticipated. In addition, there are changes to federal transitional programs in 2017 that will impact insurers financially.
We're keeping an eye on it here at the agency and are fielding calls trying to help our folks navigate through these challenging times in healthcare. If we can help you, please let us know. EMAIL our staff at info@BentonWhite.com or call us at 615.377.1212. We're always ready to help you and earn your business!
Summer is considered over in our area because school is back in session across Middle Tennessee. Of course, that means increased traffic on the roads.
With college students packing up their cars to go back to campus, and parents dropping off and picking up kids from school, the increase in traffic congestion and distracted driving can create dangerous road conditions and contribute to increases in the frequency of auto accidents.
Young drivers are prone to distracted driving, especially with the increase of handheld technology. This is part of the reason why U.S. traffic deaths increased nearly 8 percent from 2014 to 2015, according to data recently released by the National Highway Traffic Safety Administration.
That's why the Property Casualty Insurers Association of America (PCI) has released a list of back-to-school driving safety tips for parents and young drivers, alike. There are distractions all around in the car, and PCI is encouraging drivers to put down their phones and stay focused on the road.
1. Wear seat belts
Whether taking a summer get-away or just running errands around town, PCI encourages drivers to buckle up, drive safely and try to be prepared for those who may not. Seat belts save lives and help prevent injuries. Also, make sure kids are in the proper car or booster seats.
2. Plan and allow for extra travel time
With more people on the roads, often driving in unfamiliar territory, the potential for a traffic crash increases. PCI encourages motorists to plan routes in advance when traveling to new destinations, be patient, and allow for extra travel time.
3. Observe speed limits, including lower speeds in work zones
Stay focused on the road and aware of changing traffic patterns caused by construction. Please be cautious of the construction workers themselves, who are often in close proximity to the highway - and at great risk.
4. Avoid distracted driving
When the entire family is traveling in the car, the opportunity for distraction is multiplied. Remember to put the phone down, and never text while driving. Be careful when eating on the run, as lunch can be just as distracting as a cellphone. Buckle up or secure pets in the back of the car.
5. Have a plan for roadside assistance
If an accident occurs, be wary of unscrupulous towing companies. Have the phone number for the insurer or a roadside assistance program ready. Some towing companies take advantage of drivers after an accident and drivers could find themselves facing excessive fees or complications recovering their car from the tow yard.
6. Update proof of insurance
Before hitting the road, make sure to replace any expired insurance identification cards in the event the driver needs to prove they have insurance during a traffic stop.
Hopefully these tips will help you be prepared and more aware of the increased traffic we all face now that school is back in session in Middle Tennessee. If we can help you with your insurance, we're ready to earn your business. Simply contact any of our staff at 615.377.1212 or email us at info@BentonWhite.com. Thanks for reading our blog and be safe out there!
Throughout my career, many have asked why I don't represent just one company like State Farm, Farmers, GEICO and others. "Why are you independent?" It's always an easy answer consisting of many reasons. The best way to show it is in this new video! Enjoy!
We give you choices! We're a part of the independent agency system and a proud member of the Trust Choices network. Don't settle for just ONE company that can only quote you ONE premium. We'll shop for you and give you what you need - not only with the right coverage's but also with the most competitive premiums. Contact our staff at 615.377.1212 or email us at info@BentonWhite.com. We're always ready to earn your business!
I got a call Monday morning from a client of many years! He called to tell me that his wife, a dear friend/client of mine for 39 years passed away the previous morning. He said with the deepest of sadness: "Saturday night, we had about 3 hours together and she told me to immediately call you because she knew you would take care of all things insurance for her and me. So I'm calling you first!" He had not even been to the funeral home or had begun making arrangements for his 67-year-old wife...
Many of our customers don't realize that I personally review each policy that renews in my agency annually. I block out several hours to review how a customer's rates have been over time and what they can expect in premium on their next renewal. Sometimes, it's painful to see some of the increases that are caused by an event that involved the customer. There are a number of reasons a rate can change from excessive claim activity to at-fault accidents, traffic citations and many other premium affecting...
As the spring season gets fully underway, families gear up for spring break car trips or college visits. With better weather, more drivers take day trips or plan weekend getaways. This all adds up to more drivers on the road, and more potential for distracted driving – which also increases the odds of traffic accidents with bodily injuries.
April is Distracted Driving Awareness Month, the time of year when the National Safety Council and other organizations join forces to heighten awareness of...