a smart disasaster plan in Kentucky includes Insurance Protection for Kentucky Insurance

A smart disaster preparedeness plan includes review of your Homeowners and Auto Insurance policies

Disaster Preparation Insurance Checklist:

1. Have you updated your home inventory to include photos, appraisals and receipts of any new purchases and stored copies of it in safe, remote locations?
2. Have you stored copies of your insurance policy with contact details for your insurance agent and company with your inventory?
3. Do you know whether your policy includes replacement cost or actual cash value (ACV) for losses?
4. Have you decided if you need a separate flood insurance policy?
5. Have you talked with your agent to make sure you don’t have too much or too little homeowners or renter’s insurance? Insurance Disaster Preparedness

for more information visit  kentucky-insurance.com

for a free Insurance review for Auto Insurance in Louisville KY or Homeowners Insurance in Louisville KY

Call Dick Watts Insurance  502-245-3625

12200 Shelbyville Rd 112

Louisville, KY 40243

Insurance

Posted via web from mikewatts’s posterous

car buyers eager to get big federal rebates

Car buyers eager to get big federal rebates…..I

“It is happening already. Customers are asking new-car dealers about getting as much as $4,500 for their old gas-guzzlers.

The new incentive, popularly known as "Cash for Clunkers,” took effect Wednesday.

But it will be weeks before anyone knows the fine print of the federal program, such as how dealers register with the government for reimbursement of the rebates, or when and how salvage yards should process old vehicles into scrap.

To get the credit, the gas-guzzler has to be taken off the road and either destroyed or broken up for parts.

Consumers, car dealers and salvage-yard operators who want to participate in the program said they have plenty of questions while they wait for detailed guidelines due July 23 from the Transportation Department…. Car Buyers

Protect Your Motorcycle and Save Money with Progressive and LoJack

According to the National Insurance Crime Bureau, more than 60,000 motorcycles were stolen last year: that’s one bike stolen every 8.7 minutes. That’s the bad news. The good news is that now even more riders can save money and protect themselves from motorcycle theft by taking advantage of a program from LoJack Corporation and Progressive.

Riders can get a $50 rebate from LoJack on the LoJack for Motorcycles Stolen Vehicle Recovery System by downloading the online rebate form on motorcycle.progressive.com. And, Progressive customers who have LoJack installed on their bikes can now also get a 20 percent discount on their Comprehensive coverage premium. Progressive & Lojack

Motorycle Insurance quote from Dick Watts Insurance 502-245-3625

Posted via web from mikewatts’s posterous

Kentucky Auto Insurance quote

Call us for a free Kentucky auto insurance quote 502-245-3625.

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

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.

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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