Survey Says Homeowners Unaware of Risk

Ho-ho-ho Holiday Parties? Survey says homeowners unaware of risk

“"The survey found that about one-third of homeowners did not think or did not know if they could be held responsible in the event of an alcohol-related accident. In fact, in many states, individuals hosting holiday parties can be held liable. Many courts have found hosts liable for the damages their party guests cause as a result of consuming alcohol at their social gatherings and then driving motor vehicles. Many states have also enacted statutes that can be interpreted as mandating non-commercial social host liability. In these situations, if a guest or third party is injured in an accident that is related to alcohol consumption and the drinking can be linked to the host, the host could be held responsible for the payment of medical bills, vehicle repair costs, lost time from work and — in the worst case — claims for wrongful death resulting in huge monetary settlements. …. Survey says homeowners unaware of risk

The survey found that almost 46 percent of homeowners thought they weren’t liable in the event that a guest became seriously ill from catered food consumed at the host’s home, and about 22 percent didn’t think they could be held responsible if a guest was injured on the sidewalk in front of their property. More than one-third of homeowners either didn’t think they could be held responsible or admitted they didn’t know if they destroyed another home with a careless act. The bottom line is that homeownerscould, in fact, be held responsible in any of these scenarios or accidental incidents”….from Insurance Journal

How to choose the right tires....

How to Choose the right tires…

“When you talk tires, you need to decide what’s most important. Is it tread
life, handling or ride comfort? (And no fair saying "all of them.”)
The government has a tire rating system (the Uniform Tire Quality Grade Standards) that may help you pick the most proper tire type, brand and model.
Tread wear rates a tire’s durability relative to an industry standard tire, whose rating is 100. A tire rated at 200 should last twice as long as the benchmark tire, but
critics say the number is subject to fudging by automakers.
Traction is rated as AA, A, B or C. AA is best.
Temperature grades relate to the sustained speeds the tires can handle. C for 85-100 mph, B for 100-115 mph, and A for speeds over 115 mph. The higher the speed rating, the higher-performance the tire is likely to be……“ from Progressive Insurance

Progressive Insurance Online Customer Service

Progressive has made improvements to the site based on customer feedback, including:

• Alerts that let customers know when action is needed on their policies;
• A real-time snapshot of recent policy activity;
• An easy-to-access summary of drivers, vehicles and addresses;
• A quick and easy way to click between policies;
• Answers to commonly asked questions; and
• The option to receive paperless billing and documents.
• Dick Watts Insurance, Auto insurance in Kentucky, 502-245-3625
• 12200 Shelbyville Rd 112, Louisville, KY 40243
  
• call for a free quote today! - Dick Watts Insurance
  

Not Your Fathers Motorcycle

“More and more folks are turning to motorcycles as a response to the gas crisis. This trend is becoming fairly evident even in sections of the country where the chopper is revered…..” Progressive Motorycle Insurance

Motorcycle Insurance Quote
Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
502-245-3625

Keeping Tabs on Teen Drivers from Safeco Insurance

Keeping Tabs on Teen Drivers from Safeco Insurance
“A high-tech surveillance system that allows parents to keep tabs on their teen drivers becomes more widely available starting later this week. If teenagers are driving too fast, parents will get an instant text message. If they break the driving curfew that parents have set on the car, an alert sent to mom and dad will make them the first to know. …” Safeco Insurance Teensurance

Life Insurance Who needs Life Insurance

Who needs life insurance ?

“If someone will suffer financially when you die, chances are you need life insurance. Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding. What’s more, there is no federal income tax on life nsurance benefits…… ”Life Insurance Resources
Call us for a free Life Insurance quote at 502-245-3625 Dick Watts Insurance

Term Life Insurance, Life Insurance

Does Traffic "Drive" you up the wall?

“Road rage doesn’t begin to explain it when you’re trying to get to your child’s basketball game and find yourself in bumper to bumper traffic. Those days of wasted hours and frustration are gone, thanks to Progressive’s new traffic Widget.
The Widget delivers Traffic.com® personalized, up-to-the-minute traffic information to your desktop. Simply select the routes you want to keep an eye on and the Widget does the rest.
You’ll get real-time updates when you want them, including what’s causing the jam and the Traffic.com JamFactor® traffic measurement scale so you can see how severe the congestion actually is…….Progressive Insurance Traffic Widget

Dick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243

Call us for a free Auto Insurance quote 502-245-3625

More Than a Quarter of a Million Trees to be Planted on Behalf of Progressive Insurance Customers

“To thank customers who opt to use less paper and do business electronically, Progressive will plant more than a quarter of a million trees in U.S. National Forests countrywide. Also, this month, Progressive began offering a discount to customers who choose to go paperless.
The program is simple: customers can choose to enroll in the company’s Paperless Policy option and opt to receive just bills, or bills and policy documents, electronically. If they do, Progressive will plant a tree in their honor.
Most of the trees will be planted later this year — with the help of the Arbor Day Foundation — in U.S. National Forests damaged by wildfires, insects or disease.
"This program is a win-win for everyone. Trees are saved and forests restored, and customers eliminate clutter, have increased security, and get faster delivery of important documents,” said Christine Johnson, Progressive’s customer experience manager. “We can also reduce our costs by conserving resources used to print and ship bills and other policy documents — while also doing our part to help the environment and improve the customer experience.”……Progressive Insurance Trees

Progressive Insurance Xprize Foundation $10 millions

“The newly renamed Progressive Automotive X PRIZE is an international competition designed to inspire a new generation of viable, super fuel-efficient vehicles. The independent and technology-neutral competition is open to teams from around the world that can design, build and bring to market 100 MPGe (miles per gallon energy equivalent) vehicles that people want to buy, and that meet market needs for price, size, capability, safety and performance……” Progressive Insurance & Xprize foundation - Fuel Efficient Cars

Progressive Insurance-Go Paperless Its Quick and Easy

Progressive Insurance Goes Paperless
What is Paperless?
Instead of paper bills and documents you will receve an email when
bills or documents are ready to review on the Progressive Web site.
If an email is returned to Progressive as undeliverable, they will automatically
mail you the paper copy. You will still receive your Insurance cards by regular mail.

Why go paperless?
Simplify your life and help the environment at the same time. When you
enroll Progressive will plant a tree in the National Forest

Progressive Insurance Paperless

Arbor Day Foundation

FORD Drive Green- Ford Goes Green

“This week alone, Ford hopes to reach 70 million Americans with the best thinking and hard work of engineers, scientists, designers and technical experts and dealers throughout the country, who have been working together since November to start telling Ford’s story.

Their collective effort is called “Drive one,” which chronicles in digital, TV and print media how Ford employees have closed the gap….”

“The four areas – quality, green, safe, smart – match customer concerns 100 percent,”…..Ford Drive Green

Ford Drive Green - Ford’s website

Safeco Insurance Billing Address

Where do I send my Safeco Insurance Payment?

The new addressAgents should now use the following address for payments
they mail to Safeco when customers pay the premium for their personal lines and
commercial lines direct-bill policies at an agency:
Attn: Payment Processing
DepartmentSafeco Insurance CompaniesPO Box 6476Carol Stream, IL 60197-6476

If you need more information about where to send you Safeco Insurance payment, please call Dick Watts Insurance 502-245-3625

12200 Shelbyville Rd 112

Louisville, KY 40243

Safeco Insurance Payment Address

Auto Insurance in KY- Call us for a free auto insurance quote!

Safeco Insurance Glass Claims 1-800-862-6777

Safeco Insurance Glass Claims has introduced a new Glass Claims processing unit. If you are a Safeco Insurance customer, you can call the Safeco Glass Claims dept at 1-800-862-6777.
from Safeco Insurance:

“A change in the glass-claims process4/10/08
As we work to continually
improve our customers’ claims experience, Safeco is changing how we process
glass claims for auto, recreational vehicle and motorcycle. This applies to
personal lines and commercial lines business.
Effective immediately, if an
insured contacts your office regarding a glass claim, please direct them to the
Safeco Glass Network at (800) 862-6777 to report their claim. The Glass Network
will no longer accept calls from an agent on behalf of an insured.
We are
implementing this change in an effort to:
Streamline the claims process for
our mutual customers;
Expedite the repair process for insureds;
Provide
our insureds with a choice of quality repair options

If you have any questions about reporting a glass claim, Call Watts Insurance

502-245-3625.

Microsoft Corp buys ACORD

“Microsoft Corporation stunned the insurance technology industry today with the announcement that it has agreed in principle to purchase the full assets of ACORD, the insurance data standards body headquartered in Pearl River, N.Y.
Terms of the anticipated purchase were not disclosed.
"The purchase of this industry-wide standards body is just the latest step in our strategy to evangelize the computing world,” said Bill Hartnett, Microsoft’s Insurance Industry Evangelist. “When we see a new standard emerging, we want it to fall under the .NET unmbrella ASAP. To have a whole industry under our already considerable sway is, well, thrilling, even if we are talking about insurance.” …..via Insurance Tech Guru

Who is David Allen? Getting Things Done

Who is David Allen, Getting Things Done from BNET.com

“Since publishing his best-selling book Getting Things Done: The Art of Stress-Free Productivity in 2001, David Allen has attracted hundreds of thousands of professionals to his personal-productivity system, which he calls simply GTD ("Getting Things Done”). According to Allen, today’s workforce faces unprecedented stressors. Rather than producing the same widget over and over, managers at all levels—from the boardroom to the frontline—must now juggle multiple, and often conflicting, projects and priorities; master highly varied tasks; and successfully negotiate across departments, from HR to IT. Meanwhile, the drumbeat of mergers and reorgs—together with constantly morphing products and services—requires constant learning and adaptation. According to Allen, GTD addresses exactly these kinds of stressors, and his fans seem to agree. With some 450,000 copies in print, Getting Things Done is gaining traction as a business-management classic…..“ GTD, getting things done

US House expands health insurance to cover mental illness

Today the House of Rep, passed new legislation that will require Health Insurance to cover mental illness….

“The House of Representatives voted to require equal health insurance coverage for mental and physical illnesses when policies cover both.

The 268-148 roll call was cheered by advocates who have been fighting more than a decade for what has come to be called mental health parity.

Supporters said the measure passed Wednesday night would help end the stigma of mental illness in the United States and create greater access for people needing mental health and addiction treatment.

Opponents warned it could drive up health care costs and force some employers to drop insurance coverage.…..” Health Insurance Coverage for Mental Illness

Hopefully this will not cause health insurance rates to increase to cover this additional benefit .

RV Insurance Free Pet Injury Coverage and new discounts now available to Progressive RV customers

Free Pet Injury coverage for Progressive RV Customers

“Do you travel with your dog or cat when RVing? Is your pet not just a companion, but a member of your family? You’re not alone. Most of the 8 million RVers — according to the Recreational Vehicle Industry Association — bring pets along on trips. If this includes you, new Pet Injury Coverage from Progressive is for you. RV Insurance Quote
Today, RV insurance policies cover the people but not the pets… inside RVs. Beginning March 31 in most states, Pet Injury Coverage, free with Collision and Comprehensive, pays up to $500 if a dog or cat is hurt or dies because of a crash, fire or flood….” from ProgressiveInsurance
Free Pet Injury Coverage with Progressive RV Insurance with Comp/Collision
Call Mike Watts at Watts Insurance 502-245-3625 for a free RV Insurance Quote
visit Kentucky-Insurance.com

6 Ways to Save on Auto Insurance

6 Ways to Save on Auto Insurance from Smart Money

“GOOD NEWS, DRIVERS: insurance premium hikes have hit the
breaks. The Insurance Information Institute (III) projects a 0.5% decrease for
2007, bringing average annual costs to $847. This marks the first decline since
1999.
But just because prices aren’t breaking the speed limit doesn’t mean
you should be complacent about costs. With a few relatively painless steps, you
can probably find yourself a cheaper policy. Here are six ways to save:
1.
Shop AroundYou’ve heard it before: When looking for a new policy, get at least
three quotes. And if you really want to save, gather several more than that.
According to a 2004 survey of more than 100,000 consumers across the country,
conducted by Progressive
Insurance, rates for comparable coverage can vary by
more than $500 for six months’ worth of coverage…….Smart Money Auto Insurance Savings

Facebook Essentials

“Facebook is a website where you may upload personal information, including photos and videos, and share this information with a network of friends of your choosing. The purpose is to keep in touch with your network of friends by using Facebook’s "applications” to send messages to each other, share photos, videos, files, and interact in other creative ways.What you must know about using Facebook for your business:

1. Facebook offers direct marketing toward anyone in your list of “friends.” Your “friends” are automatically updated whenever you update an item in your profile. These updates may contain notifications of sales, company information, new product releases, etc…..“ Facebook Basics

Progressive Insurance 502-245-3625 goes Paperless

Progressive Insurance goes Paperless:
“The Progressive Group of Insurance Cos. introduced Paperless Policies, a feature that will allow customers who buy a policy directly from the company or through independent insurance agencies, the ability to drastically reduce the amount of paper documents they receive. Having policy-related documents delivered electronically saves trees, expedites delivery of the documents and reduces the opportunity for misplaced documents, the company claims.
This new initiative is an extension of a Paperless Billing feature introduced in early 2007 that allowed customers to opt for an electronic bill versus a hard copy bill delivered by the U.S. Mail.
The Paperless Policies launch coincides with the company’s "70 Years, 70 Trees” anniversary events being held in six call center cities. The first event, in which 70 large trees are being planted in city parks to celebrate the company’s 70th year writing auto insurance, is being held today in Luke Easter Park in the company’s headquarter city,…..“ Progressive Insurance goes Paperless . Progressive Insurance will plant a tree for every customer that opts for the paperless option…..Call Dick Watts Insurance 502-245-3625 for a Progressive Auto Insurance Quote….

New Advertising Revenue for Bloggers

New Advertising Services for Bloggers to generate revenue:
“

If you’re not making money off your blog, 2008 might be the year.

As more people see potential in earning money off the Internet, there is a quickly expanding array of advertising services and tools for bloggers that go well beyond the standard pay-per-click text ads or display ads.

Many of the most widely used programs are adding features to allow users to customize the appearance and placement of ads on their sites. Some also are introducing newer money-making mediums such as audio and video ad
"There’s going to be a lot of new business models in 2008 that are geared toward more monetization,” says Pete Blackshaw, executive vice president of strategic services for Nielsen Online, the Web analysis unit of the Nielsen Co.

Blog publishers could certainly use the help in making money. The vast majority of publishers make less than $10 or $20 a month through advertising, according to Internet-advertising experts. How much money is made through advertising on a site depends much on how much traffic a site gets, the trustworthiness of the content and how relevant the ads are to the visitors.

Starting Feb. 1, San Diego-based V2P Communications is offering five-to-eight-second audio ads, called NetAudioAds, that will automatically play when a visitor lands on a blog or Web site. Publishers sign up for the free service and V2P then lines up advertisers, who bid on rates they will pay to have their ads played on a given blog. Bids generally start around $14 per 1,000 plays. Blog publishers get a 25% cut of the ad revenue….“ Career Journal

What is Qik?

What is Qik?

“Qik enables you to share moments of your life with your friends, family and the world - directly from your cell phone!

Keep your world in the know, share a laugh, tell engaging stories. Just point your cell phone and stream video live to your your friends on Twitter, Facebook, Blogs, etc. OR use your cell phone like a camcorder and stream hours and hours of video without worrying about storage on your cell phone…..” from Qik

Why SEO needs Small Business

Why SEO Needs Small Business,
“Here’s the primary thing on my mind as we begin 2008: If we, the search/online marketing industry, don’t do a better job of helping the small business owner understand and adopt the best practices of search marketing, we are doomed to irrelevance.
"Oh, but there’s no money in small businesses,” you say. Or, “small business owners are too busy to be good clients, they have too many other things on their minds.” I know it’s easy to dismiss small business clients as a “good fit for someone else,” and I know small businesses aren’t always good for your company’s bottom line. But before you disagree with me wholesale, let me explain why I think we need small businesses to understand and appreciate SEO and search marketing…..“Search Engine Land