AM Best Affirms Motorists Insurance Rating

The property and casualty companies of The Motorists Insurance Group have been informed by A.M. Best that it has affirmed their current “A” (Excellent) rating and “stable outlook.” Motorists Life Insurance Company’s current “A-” (Excellent) rating and stable outlook was affirmed as well.

“In these challenging times, many insurance companies have had downgrades in both rating and outlook. I am particularly pleased that A.M. Best has acknowledged the group’s current financial strength and stable financial expectations for the future,” said John J. Bishop, chairman, president and CEO.

“Our group of companies not only met its obligations to policyholders during the worst year for weather and investment losses in its history, but has the financial strength to continue to be a stable, reliable market in the future,” Bishop added.

Twitter Dick Watts Insurance

You can now follow us on Twitter at

twitter.com/kyinsurance

or send us a tweet

@kyinsurance

Down's Syndrome Buddy Walk Lexington KY

Down’s Syndrome Buddy Walk Lexington KY
10/03/2009

Down's Syndrome Louisville Pro Celebrity Auction

Down’ Syndrome of Louisville Pro/Celebrity Auction June 22, 2009
honoring Muhamad Ali Ralph Beard Humanitarian Award

Down’s Syndrome of Louisville

Asthma Walk Louisville KY June 6

Louisville KY Asthma Walk June 6

The American Lung Association’s Asthma Walks raise money to fight asthma and lung disease in all its forms through education, research and advocacy. Why? The statistics are staggering. More than 35 million Americans struggle to breathe because of lung disease and everyone is affected in some way.

Louisville KY Asthma Walk June 6 2009

Text Messaging while driving- Fatal Crash

A California women has been sentenced to 6 yrs in prison for texting while causing a fatal crash.
“A woman who crashed into a line of stopped vehicles while text-messaging on her cell phone has been sentenced to six years in a California prison for killing a woman in one of the vehicles.

The women was sentenced Friday by a judge in Redding, Calif.

Investigators said Deborah Matis-Engle was speeding and text messaging when she slammed into the vehicles stopped at a construction zone in August 2007.

Shasta County prosecutor Stephanie Bridgett said the 49-year-old woman had paid several bills by cell phone in the moments before the crash.

She was in the middle of one of those transactions when she struck a vehicle that burst into flames, killing 46-year-old Petra Winn…” Calif women gets 6 years for fatal auto accident while texting

As more people are texting while driving, we are concerned that may cause more car accidents. If you are driving avoid texting on your cell phone.

Safe Driving Around 18 Wheelers

Safe Driving Around 18 Wheelers. Sharing the road with a semi truck requires Safety Steps

1. be awre of blind spots
2. leave extra space between vehicles
3. Don’t pass during a right turn
   

   “Exercising some degree of caution while on the road — using turn signals, slowing down in nasty weather, yielding the right of way, etc. — tends to come naturally to most drivers. What may not come as naturally is remembering that safety rules aren’t one size fits all. Different rules apply to different vehicle types.

   For instance, it’s important to remember that the mechanics of an 18-wheeler are quite different than the mechanics of a sedan. With this in mind, here are a few things you can do to drive safely as you share the road with 18-wheelers and other large trucks……” Driving around 18 wheelers
   

Call Dick Watts Insurance for a Commercial Auto Insurance quote 502-245-3625 Louisville, KY
Commercial Auto Insurance

National Motor Vehicle Title Informatoin

National Motor Vehicle Title Information :

“How much will it cost to obtain NMVTIS information on a vehicle?
Cost for NVMTIS vehicle history reports vary and are determined by individual service providers. The Anti-Car Theft Act requires that the system be funded through user fees and not dependent on federal funds. For this reason, NMVTIS has been designed as a fee-for-service system. Current fees range from approximately $2 to $4 per report.

What kind of information will I receive in a NVMTIS vehicle history report?
NMVTIS records provide:

• current and previous state of title data
• title issue date
• latest odometer data
• theft history data (if any)
• any brand assigned to a vehicle and date applied
• salvage history, including designations as a "total loss” (if any)

Read the NMVTIS Consumer Access Product Disclaimer, which describes what is and is not included in NMVTIS reports.

What types of vehicles are included in NMVTIS?
NMVTIS includes information on automobiles, buses, trucks, motorcycles, recreational vehicles, motor homes, and tractors. NMVTIS may not currently include commercial vehicles if those vehicles are not included in a state’s primary database for title records (in some states, those vehicles are managed by a separate agency), although these records may be added at a later time.

How current is the information in NMVTIS?
Currently the data provided to NMVTIS by states is provided in a variety of time frames; while some report and update NVMTIS data in “real-time” (as title transactions occur) others send updates less frequently, such as once every 24 hours or within a period of days….“

Before buying your next used vehicle, you may consider this option to determine if the vehicle was ever stolen and recovered, or salvaged for a minimal cost of only $4.00

Why Choose Roadside Assistance?

Progressive customers who choose Roadside Assistance coverage enjoy these benefits:

• Towing — If your car breaks down, Roadside Assistance pays to tow it anywhere within a 15-mile radius. It also pays to tow your car to the nearest qualified repair facility, even if it’s farther than 15 miles away.
• Flat Tire Change — We’ll send a professional to you who can change your tire and put the spare on while you wait.
• Locksmith Service — If your keys are lost, stolen or locked in the car, Roadside Assistance covers you. We’ll send a qualified service provider to help recover them. If the keys need replacing, you simply pay for the cost of the keys.
• Battery Jump-Start — When your battery dies, we’ll come to you and jump-start it.
• Emergency Fuel and Fluid Delivery — If you run out of gas, you can have fuel delivered to you. You simply pay for the cost of the fuel; delivery and service are free. Same goes if your car overheats: We’ll deliver the necessary fluids to get you running again, and you pay only the cost of the fluids.
• more information and resources visit Kentucky Insurance Roadside Assistance
• Progressive Insurance Roadside Assitance
  

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