Arizona Law Regarding Child Car Seats

Each year, approximately 1,800 children who are less than 14 years of age lose their lives as the result of a motor vehicle crash. Another 280,000 children are injured. Child safety seats, when properly installed, save lives. A study released by the National Safe Kids Campaign, however, reports that at least 85 percent of the 17,500 seats inspected were installed incorrectly. The most common misuses were the safety belt not holding the seat tightly and harness straps not being used properly.

Arizona Law Regarding Child Car Seats

ARS 28-907 (A) and (B): A person shall not operate a motor vehicle on the highways in this state when transporting a child who is under five years of age unless that child is properly secured in a child restraint system. Each passenger who is at least five years of age, who is under eight years of age and who is not more than four feet nine inches tall is to be restrained in a child restraint system.

Everything becomes a missile in a crash. This means anything that is not secured will fly around the inside of the vehicle. Anything that you don’t want hitting you or your child should be safely put away. Here are tips to make sure your is installed correctly:

1.   Use the owner’s manuals for the seat AND the vehicle to select safest position and installation method.

2.   Ensure the seatbelt or LATCH (Lower Anchors and Tethers for CHildren) straps are going through the seat at the correct slots for the position the seat is facing.

3.   If using LATCH, check the vehicle owner’s manual to make sure that LATCH can be used in the seating position you have chosen. (Center is safest for your child to ride. However, many manufacturers do not allow LATCH to be used in that location. The seat belt would be used instead.)

4.   The seat should not move more than an inch from side-to-side at the belt path (where the LATCH or seat belt straps are go through the seat.) A grip liner can be used to help reduce any movement on slick surfaces.

5.   Ensure the seat belt or LATCH straps are not twisted.

6.   The seat should be at a 45 degree angle when the seat is rear-facing. Most infant seats are designed to allow you to adjust the angle. Otherwise, use rolled up towels, or pool noodles to help maintain the angle. Forward facing seats are kept straight. 

7.   Use the tether strap to secure the seat at the top when forward-facing. This helps reduce forward head movement by 6 inches.

8.   Harness straps hold the child in the seat.  They should be snug and should not be twisted.

9.   The harness clip should be kept at armpit level.

10.   No after-market products should be used on the seat.  This includes toys on the carrying arm and anything that goes behind the baby in the seat.  If it didn’t come with the seat, do not use it.

11.  The carrying arm should be kept in the back position while in the vehicle.  This will allow the seat to react properly in a crash.

The City of Scottsdale Public Safety personnel provide car seat inspections by appointment. Please click on http://www.scottsdaleaz.gov/fire/car-seat-inspections to schedule your appointment.  As a new grandfather, this event is very close to my heart.

Be aware of the poisoning risks your vehicle might cause

Driving is not without risk, so we take steps to stay safe by wearing seat belts, obeying the rules of the road and keeping our vehicle road-worthy. However, some lesser-known dangers like accidental poisoning might not be on our radar. The best defense against poisoning is to recognize the hazards.

Vehicle Exhaust: The most dangerous chemicals found in vehicle emissions are carbon monoxide and benzene.

• Breathing carbon monoxide (CO) fumes reduce the oxygen supply to the brain, causing carbon monoxide intoxication. CO intoxication can occur in only a few minutes, often leaving those affected mentally and physically unable to seek help

• Even low concentrations of benzene can cause drowsiness, dizziness and headaches

• Avoid exposure to exhaust fumes, particularly in enclosed or poorly ventilated areas where CO can quickly build up to toxic levels.

Antifreeze: Young children and pets are particularly vulnerable to antifreeze (engine coolant) poisoning as it has a sweet smell and taste.

• As little as one teaspoon of antifreeze can be deadly to a cat; less than one teaspoon can be lethal to a 20-pound dog. As little as 2 tablespoons on methanol, a chemical used in many antifreeze solutions, can kill a child

• To prevent an accidental poisoning, promptly wide up any antifreeze spill or leak. Also, store automotive products such as antifreeze, gasoline and oil in areas inaccessible to children and pets

Air Fresheners: The ever-present pine tree card hanging from the rear view mirror, while giving a pleasant scent, may also release dangerous chemical compounds known as phthalates, According to the Natural Resources Defense Council, phthalates are thought to cause hormonal disruption, birth defects and reproductive harm. Phtahalates are also associated with allergic symptoms and asthma. Instead, keep your vehicle interior clean and dry, periodically open the windows for ventilation, even in winter, to help reduce the concentration of dangerous air-borne toxins.

Detectors to keep you and your family safe

Approximately 50 years ago, home smoke alarms were becoming a fairly common item. In a few short years, they became a standard piece of household equipment. I want to provide information that will allow you to make an informed decision when installing your smoke alarms and ensure that you’re aware of other types of detectors that are now commonly available.
Smoke Detector/Alarm: Check to make sure you are using one of the National Fire Protection Association recommended technologies in your home.

• Photoelectric smoke detectors are generally more responsive to fires that begin with a long period of smoldering
• Ionization smoke detectors are more responsive to flaming fires

Radon Detection Tests: Radon is a radioactive gas that is impossible to see, smell or taste and is the second leading cause of lung cancer in the U.S. In most cases of elevated radon levels, it seeps into your home from surrounding soil. Test your home for radon using the following EPA guidelines:

• Do a short-term test. If your result is 4 pCi/L or higher you should re-test with or conduct a long-term test
• If your long-term test results are 4 pCi/L or higher, consult with a professional and take measures to fix your home

Carbon Monoxide Detector: Carbon Monoxide (CO) is an odorless, colorless and poisonous gas. CO can harm or even kill you before you even know it’s in your home.

• Be aware of the symptoms of CO poisoning, including dizziness, headaches, nausea, fatigue and disorientation. These symptoms vary from person to person, depending on age, size, health and other factors
• Install a Consumer Product Safety Commission and the EPA recommend UL approved CO detectors/alarms on each floor and near each separate sleeping area

As always, be aware of your limitations and consult a professional when needed. I hope you find these tips helpful and that you stay safe during the holiday season. Please contact me anytime with questions you may have regarding your coverage to ensure what matters to you is protected.

Volunteerism with the City of Scottsdale

I am proud to volunteer with Scottsdale Police Department - K9 Unit, Scottsdale Police Department - Crime Prevention Unit, Scottsdale Fire Department - Fire Prevention and Education. It's an important way I give back to our community. I am pleased to announce The Allstate Foundation supported all three City of Scottsdale Units with a $1000 grant each in honor of my volunteer efforts in our community. Volunteering is an extension of what I do every day - protecting people and preparing them for the future

Community Grant to Foothills Animal Rescue 9-2016

I am proud to volunteer with Foothills Animal Rescue Inc. of Scottsdale. It's an important way I give back to our community. I am pleased to announce The Allstate Foundation supported Foothills Animal Rescue Inc. with a $1000 grant in honor of my volunteer efforts in our community. Volunteering is an extension of what I do every day - protecting people and preparing them for the future

Must haves for any home, condo or apartment

Take it from a retired volunteer firefighter, there are five things everyone should remember about the place where they live.

1) have at least 2 fire extinguishers in your residence. You should have an ABC or BC rated fire extinguisher in your kitchen, close to the stove but not next to it. You should also have an ABC rated fire extinguisher in your bedroom and here is why. If you are woken up in the middle of the night with your smoke detector going off, you want to grab the fire extinguisher by your bed . This way, if you need to use the fire extinguisher to help exit your home, it's right there. You can get a two pack at Home Depot for less than $30.00.

2) smoke detectors outside every bedroom and in the kitchen. There are three different types, Ionization, Photoelectric and Duel Sensor. I prefer the dual sensor type (ionization and photoelectric). Ionization type smoke detectors can quickly detect fast flaming fires with small amounts of smoke (great for kitchens). Photoelectric type respond faster to a fire in its early smoldering stage (great for outside bedrooms). Which ever type you have or buy, the key thing is to remember to replace the batteries once a year.

3) have LED flashlights through-out your residence. I prefer LED because the light is brighter and lasts longer. You can find multi pack LED flashlights at most hardware stores or places like Costco.

4) have a carbon monoxide detector in your home. As many people die every year from carbon monoxide poisoning as they do from actual fires. Carbon monoxide is colorless and tasteless and is in every home that uses gas, has a fireplace or a garage. I prefer the kind of tester that just plugs into an electrical outlet in your home. They can be purchased at almost any hardware store.

5) create a fire escape plan and practice it. Make sure that you have two ways out of every room (door and window) and identify a meeting place outside your home for everyone meet there in case of a fire.

Holiday Cooking Tips

Thanksgiving is the holiday that brings people together with the family dinner being the highlight of the day. The United States Fire Administration estimates more than 2,000 residential fires are reported each Thanksgiving, with cooking (69%) the leading cause. Use these tips to help keep your holiday safe.

•  Stay in the kitchen while food is cooking. Most fires in the kitchen occur because food is left unattended.

•  Keep the cooking range free of clutter. Even though you have myriad dishes to prepare, don't overload a cook top with too many pots and pans. Trying to cook all your dishes at once could cause grease to accidentally spill onto a range top and cause a fire.

•  Always keep a potholder, oven mitt and lid handy while cooking. If a small fire starts in a pan on the stove, put on a flame-resistant oven mitt and smother the flames by carefully sliding the lid over the pan. Turn off the burner. Don't remove the lid until the food has cooled.

•  When removing lids on hot pans, tilt them away from you to protect your face and hands from steam. If there is an oven fire, turn off the heat and keep the door closed to prevent flames from burning you or your clothing.

•  Never wear loose fitting clothing when cooking. Long, open sleeves could ignite and catch fire from a gas flame or a hot burner. Wear short, close fitting or tightly rolled sleeves when cooking. If you have long hair, be sure to tie it back.

•  Keep smoke alarms connected while cooking. Smoke alarms can save lives. Make sure smoke alarms are installed and working.

•  Unplug small appliances that aren't in use. Not only will you save the energy, but you will also avoid the potential dangers if they were to be turned on accidentally.

•  Keep a fire extinguisher in the kitchen in case of emergency and know how to use it. Make sure the fire extinguisher is UL listed and rated for grease and electrical fires.

•  Avoid using a turkey fryer. Because turkey fryers pose a number of distinct safety concerns, including burn and fire hazards. If you still choose to fry your turkey, follow these safety guidelines recommended by Consumer Safety Product Commission:

1. Keep fryer in FULL VIEW while burner is on
2. Place fryer in an open area AWAY from all walls, fences, or other structures
3. Never use IN, ON, or UNDER a garage, breezeway, carport, porch, or any structure  that can catch fire
4. Raise and lower food SLOWLY to reduce splatter and avoid burns
5. COVER bare skin when adding or removing food
6. Check the oil temperature frequently
7.  If oil begins to smoke, immediately turn gas supply OFF
8.  If a fire occurs, immediately call 911. DO NOT attempt to extinguish fire with water

•  Above all, just apply your own common sense around safety in the kitchen. If in doubt about something, always err on the side of caution.

Sources: United States Fire Administration, Consumer Product Safety Commission, UL

Visit Allstate Be Aware and Prepare and the Insurance Institute for Business & Home Safety for more, helpful information.

Wishing you and your family a happy and safe holiday season.

What you should always tell your insurance agent

Believe it or not, these are actually some of the things our clients have either forgot to tell us or assumed about their policies in the last year. Please remember, as your agent, we are here to help you but you must communicate with us.

• Oh, I sold my house months ago

• I traded my old car months ago and bought a new one

• I changed my email address, didn't you know?

• I changed my phone number, didn't you know?

• I got married/divorced 

• I have not lived there in months

• I thought "full coverage" included rental reimbursement and towing/labor

• My 16 year old got their drivers license months ago

• I made significant improvements to my home/condo this year

• I forgot to tell you, I refinanced my home last year, why hasn't my insurance been paid?

• I paid off my mortgage last year but haven't received a bill

• My air conditioner stopped working and I thought my home insurance covered that situation

• I changed checking accounts, didn't my bank tell you?

• My credit card expired, didn't my bank give you the new card number?

• Didn't my car salesman notify you I bought a new car

Coverage Outside the USA

I have been asked the question if automobile and/or liability coverage is extended outside of the US. Most insurance companies will extend coverage in Canada and limited coverage (75 miles into Mexico). If you are traveling abroad, you most likely need to obtain coverage through a travel agent or Google auto or liability insurance in the area of the world you will be traveling in.

Baby Car Seat Questions

New parents can have a lot on their minds. Faced with the new responsibilities and tasks that typically come with parenthood, some new parents can feel overwhelmed when it comes to important things like car seat selection, installation and proper usage.

But fear not; you’re not alone. Many new parents have similar concerns and ask the same questions when it comes to car seats. With that in mind, we asked car seat manufacturer Safety 1st for their answers to some questions commonly asked by new parents:

Where is the safest place to install a car seat?

Typically, the center rear seat is the safest place for a car seat, according to Safety 1st. Car seats should never be placed in the front seat. If possible, use the LATCH (Lower Anchors and Tethers for Children) system to attach your car seat. LATCH is intended to make it easier to install a child seat properly without using vehicle safety belts. If your car does not have a LATCH connector for the middle seat, you can use the middle seat belt to properly secure the base. When installing, press down firmly on the car seat base and tighten the belt to make sure the base of the car seat moves no more than an inch from side to side. 

How can I make sure my child’s car seat is installed correctly?

Before you hit the road, check in with a local Child Passenger Safety Technician (CPST) to help ensure your child’s seat is installed correctly. You can find a CPST by visiting either a local police station, fire station or Safe Kids Chapter for guidance. Or, simply go to Seatcheck.org to find a child passenger safety seat inspection location near you.

How can I be sure my child is secure?

It’s very important to keep the harness snug on your child when in the car. Safety 1st suggests to test the snugness with the “pinch test.” If you pinch the harness straps at the shoulder and can gather material, it is too loose. Make sure to cinch it down.

When will my child be ready for a forward-facing car seat?

Children remain rear-facing until they’re 2 years old. The best practice is to keep children rear-facing as long as possible, up until they reach the maximum height and weight for the seat. Children are five times safer if they are rear-facing to age 2.

My older child hates using a booster seat. Is it really necessary?

If you have an older child, boosters can be extremely important as they help ensure that the car’s lap and shoulder belts are positioned in a way that can properly restrain them in the event of an accident. Many states require a child to be in a booster until 8 years old as they have been shown to help reduce the risk of serious injury by 45 percent.

How long can I keep a car seat?

Car seats expire. Check the expiration date to confirm the seat is safe for your child. You can typically find the expiration date on the back or the side of the car seat.

My neighbor gave us a hand-me-down car seat. How do I know if it is safe for my child?

Used car seats should be avoided unless you have detailed knowledge and documentation of their prior use. Safercar.gov provides a simple checklist to help you determine if a used car seat is safe. Has it been in a crash? Has it been recalled? Is it expired? For this reason, a used car seat should be avoided unless you are absolutely sure of its history.

Is it safe to use a car seat after it has been in a crash?

As mentioned above, once a car seat has been in a crash it should be discarded. Plastic can warp and materials can be damaged or structurally compromised.

How should I dispose of an old or damaged car seat?

To dispose of a car seat, check with your local waste management facility to see if they recycle number 5 plastic. Most importantly, please make sure the car seat is not used by another child. Safekids.org suggests that parents discard an expired or damaged car seat by covering it with a dark trash bag so that it cannot be pulled from the trash and reused.

What should I do to make sure the inside of my car is safe for my child?

Just as important as safeguarding your home, don’t forget about the car. It’s important to help eliminate projectiles; anything in the car that is not secured can become a possible projectile. That could be a child’s toy, wet nap container, or a water bottle. In a crash, objects take on greater weight due to crash forces. Also, make sure four-legged family members are properly restrained.

If you have additional questions regarding car seats and your child, consult the seat’s owner’s manual or visit Seatcheck.org to find a child passenger safety seat inspection location near you.

Stranded Motorist Survival Tips

You’re driving, not a care in the world, when your car breaks down or you get stuck some other way. No matter the cause, it’s an unnerving experience, especially if it happens on a busy highway. Do you know what to do if you find yourself stranded? Read on for some general tips that can help you stay safe if your car breaks down.

• Slow down and pull off the road: If you notice something is wrong with your vehicle while driving, ease your foot off the gas pedal, signal and carefully steer your vehicle toward the right shoulder. Put the car in park, engage the emergency brake and turn the steering wheel away from the road. That way, your car can’t roll into oncoming traffic.

• Be visible: Make sure you can be seen by other drivers. Turn on your hazard lights and if it’s dark, turn on the interior dome light as well. Roll down the driver’s side window and hang out a white cloth or piece of paper and roll the window back up to secure it in place. This alerts drivers that your vehicle is disabled. If you can safely do so, open the hood, a universal sign of car trouble.

•  Call for help: If you have a roadside assistance provider, call them. 

• Stay in your vehicle: Getting out of your car can put you in danger of being hit by oncoming traffic. Sitting in an immobile vehicle with traffic all around you is unnerving, but attempting to cross a freeway or busy street on foot is extremely risky. Of course, if your engine’s smoking or you see flames, get out! If you must leave your vehicle, always exit on the side away from traffic. 

• Wait for help to arrive: Avoid the temptation to try to fix your car by yourself. Play it safe and wait for emergency personnel to arrive.

Every break down comes with its own unique set of circumstances. Just remember to stay calm and exercise caution.

How soon do I need to let my insurance company know I have a new vehicle?

This is an interesting question and varies by insurance company.

Most insurance companies, please check with yours, automatically cover your new vehicle for between 14 to 30 days. That means your coverage starts as soon as you "sign on the dotted line", whether you notify your insurance company or not. But there is a catch. If you only have liability coverage on your old car, you will only get liability coverage on the new car. The car dealership and/or lien holder will require you to have full coverage, ie collision and comprehensive. That is why you should notify your current auto insurance carrier, either by calling your agent and their 1-800 number to make sure you have full coverage.

Also, some companies, like mine, offer some type of new car replacement coverage. With my company, in the event of your car being totaled during the first 3 years, they will cut you a check for the full replacement cost of a current year version of your vehicle with no depreciation, less your deductible. This coverage is only available if you own your car, not lease it. The cost ranges from about $8 to $15 per vehicle every 6 months. For example, one of my clients had this coverage on her car when it was totaled and instead of getting a check for $44,000 on her 2014 Audi, she got a check for $75,000 which was the replacement cost for a 2016 Audi.

Do I really need uninsured and underinsured motorist coverage?

I hear this question every week at my agency and in my opinion, the answer is YES. Let me explain why.

Lets suppose you are driving down the street,and by mistake, run a red light and are at fault for the accident, You have smashed into other car and cause serious death or injuries to other people in that car.The Bodily Injury coverage on your auto policy will pay for those deaths or injuries, up to the limits on your policy. Let's say you have $100,000/$300,000 liability limits. That means your auto policy will pay up to $100,000 worth of injuries per person  and up to a total liability payout of $300,000 per accident.

Now lets suppose the opposite situation. You are driving down the road and someone runs a red light and hits your car. Your medical injury bills total $100,000 but the other driver
only carries State Minimum Coverage of $15,000/ $30,000. What do you do now? You have $85,000 of medical bill that the other person's insurance will not pay and if the other person is driving with State Minimum Coverage, do you think they have the assets to cover your bills if you sue them for the balance? Probably not.

This is where having Uninsured and Underinsured coverage on your own auto policy is a blessing for you. This coverage will help pay your medical bills, to your policy limits, if the other driver is at fault and either does not have auto insurance or does not have enough coverage to pay your medical bills. Uninsured and Underinsured coverage on your policy is not required by AZ State Law and is not very expensive. But it could mean the difference between paying your medical bills or you having to sell some of your assets to help pay your bills.

Is Jewelry Protected on Renters, Condo or Home Insurance?

Just because you don't own your own home doesn't mean that you don't have nice stuff. If you own expensive jewelry, whether it's a diamond engagement ring or a family heirloom, you may have wondered whether renters insurance covers it.

When it comes to your belongings, it's important to understand what types of risks your renters insurance protects against and how much coverage it provides. In some cases, you may decide that it's worth putting extra protection in place. Here are some things to consider.

Personal Property Limits on Renter's, Condo or Home

Insurance policies typically come with limits for each type of coverage. For instance, your renters insurance policy may provide $50,000 in coverage for your belongings (described in most policies as personal property). However, renters insurance policies usually include sub-limits for certain types of items, such as jewelry.

That means that while you may have up to $50,000 in coverage to help pay to replace your belongings if they are stolen, for instance, you may find that your policy provides only $1,000 in coverage for theft of jewelry. Some insurers may set a "group" coverage limit for an entire category of valuables — for example, a maximum of $2,500 for all of your jewelry.

In either case, the coverage provided by a standard renters insurance policy may or may not be enough to cover what you actually paid for your jewelry or what it's worth on the current market.

For this reason, it's important to document how much your jewelry is worth so that you can make sure you have enough coverage in place. Documents like receipts and appraisals are good ways to track the value of your belongings, the Insurance Information Institute says. Such records may come in handy in the event that you need to file an insurance claim.

The question is not whether or not you will have a chip in your windshield, the question is when!

Glass claims here in Arizona are as common as scorpions. With our dusty and rocking environment, the question is not whether or not you will have a chip in your windshield, the question is when!

Most insurance companies give you the option of picking your own glass company. My suggestion, is that if you have a chip or crack in your windshield, contact your agent. They will help you determine the best place to get it fixed. Here are some suggestions to help you.

• Refrain from using "car wash" glass companies. You want to deal with a glass company that will back your repair with a 100% guarantee and will be there if you need them. 

• If you are offered a cash incentive to use a glass company, than buyer beware. There is usually a reason they have to offer you a cash incentive to use their services.

• All glass companies are not created equal. You want to pick a glass company that does a complete job, such as replacing the rubber molding, not just putting a new windshield. Replacing the rubber molding the glass fits into helps make a more complete seal and eliminating wind noises.

• I always like referrals from such sources as Angie's List, Yelp (4 star reviews) and personal friends. Hint, you can also ask your agent where they get their windshields repaired. 

Why having a "local insurance agent" is better for you than an "800# agent"

In my opinion, it is ALWAYS better to have a local insurance agent rather than an 800# agent. My reasoning is as follows.

• To us, you are a client , not just a policy number;
• As a local agent, we get to know you, your family and your needs;
• Insurance is a custom fit product, not a one size fits all;
• If you have a question, we are there personally to help you;
• When you call our office, you always talk to the same people, not a call center;
• If you need a recommendation for a body shop, plumber or repair person, we are in the neighborhood and can guide you to qualified professionals;
• Should you need additional coverage, we are there to recommend that coverage;
• If you can make changes to your policy to help you save money, we will recommend these changes, not so much with "800# agents" or call centers;
• If you have a question regarding the possibility for filing a claim, a local agent can help you make the right decision. With most "800# agents" or call centers, once you call them, they immediately log your call in as a claim;
• We offer renewal reviews on your policies, most "800# agents" and call centers do not. They just send you a new bill;
• Our office offers perks such as free document shredding and free smoke detector batteries;
• We help support local charities, such as Foothills Animal Rescue and Purple Purse Foundation; 
  

If you have rental properties, please read this.

If you have rental property, you need to make sure you are covered for all possible situations. That is why I STRONGLY RECOMMEND that when you have the tenant sign a lease for your property, you require two things.

1) as part of you lease agreement, your renter MUST obtain and maintain a renter's insurance policy containing at least $100,000 in liability coverage. If your property has a swimming pool, I would recommend the renter have a minimum of $300,000 in liability coverage. This way if someone is injured on the property, the renter has coverage for the injuries and the claim is not filed against your landlord policy;

2) as part of your rental agreement, your renter MUST list yourself or your management company as an INTERESTED PARTY on their renter's policy. This way if they make any changes to the policy or decide to cancel the policy, you or your management copy get a copy of all changes.

An average renter's policy, including $20,000 in personal property coverage and $100,000 in liability coverage is only about $150 per year.

Don't Under Estimate a Thief

Don't Underestimate A Thief!

While a thief is obviously a person making a bad decision, they're not necessarily unintelligent. Don't underestimate someone who is determined to rip you off in one way or another-and they have some clever methods. Statistics show that a thief will take the "path of least resistance." The more secure the situation, the less likely they will be to target it. With all the electronic gadgets available today, it's likely you use at least one or two of them. Here are some steps you can take to try and make things more difficult for a thief so they may be less likely to target you or your home.

"Open, Says ME!" If your garage door opener is removable, and you keep your registration in your car (or other items with your home address), you've just told your thief where you live and given them a way to get in. And imagine that the thief located this information in your car while it's in long-term parking at the airport - now you've also provided information that you'll be gone for a long time. TIP: Take your remote garage door opener with you when leaving your car (even for a few hours).

"GPS, Take Me Home": Was "Home" one of the first locations you programmed into your GPS? This, in combination with having a garage door opener creates a situation similar to the first scenario. The thief now has a way in to your house and can just have your GPS direct him straight to your house. TIP: Keep the "Home" setting, but change it so it directs you to a nearby location (e.g., store or gas station) so you can still find your way home.

"Hubby, Sweetie, Honey, Mom": Take a look through your contacts list on your cell phone. Do you use nicknames for your loved ones, or do they use them for you? If you got a text from "Hubby" that said "In line at grocery store. Forgot PIN for debit card. Text it to me please." Or from "Mom" that said "What's our garage door keypad code again?" What would you do? More than likely you'd promptly text the necessary information. If the phone was in the hands of a thief, you have just given them access to your bank account or your home. TIP: Don't assign nicknames in your contacts. In addition, if they are requesting sensitive information, confirm their identity by asking specific questions via text or, better yet, call and talk to them. Furthermore, if you DO confirm the identity and text the information, be sure to delete the text later, and make sure your "Hubby" (or Sweetie, or Mom) does too.

Missing Item Found! Have you ever lost something of value and reported it to the "proper" authorities (e.g., mall security, airport security, library lost and found)? Just think how happy you'd be if you got a call that they had your item and that you should come and claim it immediately. If it's a thief who actually made the call, they're now aware that you'll be out of your house for a while-perhaps enough time to burglarize your home. TIP: Look up the "real" phone number (don't just use the caller ID display) and call to confirm that the "item found" report is valid before leaving your house.

Bottom Line:Take your time and think before acting, speaking, texting. If it doesn't feel quite right, or if you're revealing information that you would normally keep secure, pause and think it through before revealing it. As previously mentioned, thieves use their smarts and can be tricky. They will rely on the element of surprise, count on "typical" human responses, smile and be charming, look you straight in the eye and speak with confidence-all while getting you to reveal information or behave in a way that works to their advantage. Visit the Insurance Institute for Business & Home Safety for more helpful information.

Computer Ransom

In  the world we live in today, there are new threats popping up every day. If you have a commercial business insurance policy, you need to be concerned about "Computer Ransom".

Computer Ransom is when a hacker downloads a virus into your business computer that locks up your computer and all the information you have in it. Then, you get notification that for a "fee", they will release the computer and it's information to you. Fees (blackmail) range from $2500 and up. The police, FBI and computer experts will tell you to pay the fee, since they have no way to correct the situation.

If coverage for this type of event is important to you, please contact your insurance provider so they can talk to you about this coverage and possibly add it to your policy.

Why are my auto insurance rates going up?

I get asked this question every day. Here are some of the factors that may effect your premium.

1. Credit - Thinking is that the better you handle your credit, the less likely you are to have an accident. (I am not a real believer in this one);
2. Driving History - The more tickets or accident claims you have over a 5 year period, the higher your rates. The assumption is that that make you a higher risk for more ticket and accidents and so you have to pay higher rates;
3. Type of vehicle you drive - The more expensive car you drive and/or the smaller car you drive (usually less crash worthy), the higher the rates;
4. Location -  Insurers usually rate zip codes by the number of accidents and claims that happen in a zip code. If you live in a zip code that has fewer accidents or claims, your rates may be lower;
5. Drivers - Your age and driving experience make a major difference in rates. Younger drivers between the ages of 16 to about 25 tend to have more accidents/tickets due to their lack of driving experience;
6. How you drive your vehicle - Many auto insurers believe that "pleasure driving" is more risky than driving your vehicle to work every day, (I am not a believer in this one).

How do you help reduce your existing auto insurance rates?

Discounts          Discounts          Discounts

1. Auto Pay - Many insurers will give you a discount if you set your payments to be debited from your checking account or credit card;
2. Pay in Full -  Some insurers will give you a discount if you pay your premium in full at every renewal;
3. Multiple Policies - Most companies will give you a discount if you have your auto or home with them;
4. Good Pay -  Some companies will give you a discount if you pay your premium on time every period;
5. Accident / Ticket Free -  Many insurers will give you better rates the longer you are accident or ticket free.

These are just a few ways to save on your insurance. It is ALWAYS best to contact your insurance agent at least 30 days before your renewal to discuss any discounts that you can get or any changes to your policy. Agents are here to give you the correct coverage for the best price. There should not be a "cookie cutter" approach to insurance.

Car Rental Coverage and Additional Insurance

As an insurance agent, it is my job to make sure you have the proper coverage, just in case of an accident. Please review your auto policy to make sure that, if needed, you have rental car coverage on your policy.

The cost for $30 per day rental (small size vehicle) coverage on your policy should be about $29.45 every 6 months per vehicle. This means if you are involved in an accident and need to rent a car while your vehicle is being repaired on a covered claim, you can rent a car for $30 per day up to 30 days and it should be paid by your insurance company.

Many of my customers that have two or more vehicles have chosen to refuse this rental coverage, believing that if they were involved in a car accident, they could car pool for a short time, if needed.

I have also been asked the following questions by my clients:

1. Do I need to purchase the "extra coverage" that is offered at all care rental companies? If you have "full coverage" on your existing policy ( collision and comprehensive coverage ), then you do not need to purchase the additional coverage. Most insurance companies (check with your agent) extend the same coverage on your rental car that you have on your own vehicle. In my opinion, the only time you should consider purchasing the extra coverage is if you are going to a place that has icy or snow covered roads.
2. Does it matter how I pay for a rental car while I am on vacation? Many credit card companies will cover your collision and comprehensive deductibles on your rental car due to a claim if you place the bill on their credit card. Check with your credit card company before you rent your vehicle.
3. Does my car insurance policy offer me any discounts if I have to rent a car for a vacation? Some insurance companies offer discounts from some car rental facilities. Don't be afraid to ask. My insurance carrier offers me discounts and also would pick up the cost of your rental vehicle while it was unusable due to an accident when you had it rented. This is called "loss of use" but for me to get this benefit, I have to choose from specific car rental carrier . Be aware, this could be an expensive fee you you do not have that coverage. It could range from $200+ per week.

AZ Dust Storms

It's getting to be Monsoon season here in AZ. Remember, dust storms while intense, only last for between 10 and 20 minutes.

You’re driving, not a care in the world, when your car suddenly enters an AZ Dust Storm. No matter when and where, it’s an unnerving experience, especially if it happens on a busy highway. Do you know what to do if you find yourself stranded? Read on for some general tips that can help you stay safe if your car breaks down.

• Slow down and pull off the road:  Ease your foot off the gas pedal, signal and carefully steer your vehicle toward the right shoulder as far as you can. Put the car in park, shut off your lights, engage the emergency brake and turn the steering wheel away from the road. That way, your car can’t roll into oncoming traffic.

• Stay in your vehicle: Getting out of your car can put you in danger of being hit by oncoming traffic. Sitting in an immobile vehicle with traffic all around you is unnerving, but it is the right thing to do.

• Wait for the dust storm to end: Play it safe and avoid the temptation to drive your vehicle when the visibility is bad..

Just remember to stay calm, exercise caution and everything will be alright.
 

Top Driver Distractions

Every day, distracted driving kills more than nine people and injures more than 1,100 and, according to the National Highway Traffic Safety Administration, accounts for more than 1.5 million collisions a year. Stay safe and help ensure the safety of others by recognizing the most frequent causes of driver distraction and taking steps to avoid them.
 

• Talking or Texting: Did you know that driving while using a cell phone (handheld or hands-free) impairs driver reaction to the same level at the legal limit for impaired driving with a blood alcohol content of .08? The Traffic Safety Administration also states that texting while driving makes you 23 times more likely to crash. Put aside your electronics! Pull over on the side of the road to use your phone if it’s an emergency.

• Adjusting the Radio/GPS: These are all distractions that take your eyes off the road. Adjust these devices before you put your car in gear. 

• Personal Maintenance: We’re increasingly busy people, but our vehicles are not the place to take care of life’s daily tasks, such as applying makeup or eating. The vast majority of us experience a noticeable decline in performance when we try to do multiple things at once. Don’t gamble with your ability to multi-task – take care of yourself before you hit the road.

• Roadside Diversions: Looking at a roadside accident, landmarks or a billboard, even for a few seconds, takes your mind and eyes off the road. Consider that, at 55 mph, your car will travel the length of a football field in about five seconds. That’s plenty of time for traffic conditions to change radically. Always focus fully on driving.
  
  Multi-tasking is something to avoid when you’re behind the wheel. When driving, keep your attention focused on the road. If you must address another concern, pull off the road and stop your vehicle in a safe place. Eliminate driver distractions, and you can help make the roads safer for everyone.

ABC's of Renters Insurance in AZ

Ever wonder exactly what the different coverage are for on your policy? Here is a helpful description that is easy to understand. If you have questions about your policy, just give me a call and I will be happy to go over it with you. 

BASIC COVERAGE


Personal Property Protection.  Coverage includes the loss of furniture, clothing and other contents if stolen or damaged. Minimum coverage usually starts at $20,000. There are limits on certain personal property such as jewelry, computers, guns and cash.



Additional Living Expenses.  Coverage that reimburses you for reasonable increases in living expenses when a loss occurs that is covered which makes your condo uninhabitable. This may include payments for the cost of rent, hotel, food and other expenses.


Guest Medical Payments.  Coverage payments for necessary medical expenses including surgery, x-rays and dental work if a guest is injured on your property.


Family Liability Coverage.  Coverage to protect you if you are sued for damages after someone is injured on your property. Most apartment complexes require $100,000 in coverage.


Scheduled Personal Property.   Coverage that protects certain personal property such as jewelry you have itemized on your policy in case of loss, theft or mysterious disappearance.


Deductibles.   The amount of co-insurance you have on your policy that you are responsible for any claim.


Hope this information is helpful.

My mortgage company requires me to have $ worth of insurance on my home. Is that true?

I face this question every day here in Arizona and here is my answer.

Most mortgage companies require you to have replacement cost coverage on your home. Replacement cost means if your home is totally destroyed, do you have enough coverage to replace the premises. When an insurance company insures your home, they run a cost estimator (sometimes called a RCT) to determine the replacement cost for your home. That includes, but not limited to, type of kitchen and bath rooms (basic, average, semi custom, custom or designer and how many), basement or cement slab, shingle or tile roof, type and quantity of windows and doors, and if you have a one/two/or three car garage or carport. The RCT system then tells your agent how much it would cost to replace your home.

At our agency, we go a step farther. We take that number and view your home via the internet to determine if that number is correct. Most of the time, we add between 2-5% more just to be safe. We also have something called Building Structure Extended Limits, which allows us to increase your replacement cost coverage by 120% or 140%, at very low additional cost.

Now to the real answer to this coverage question. Here is AZ State Law 44-1208:

44-120844-1208.  Loans secured by real estate; prohibited practices; insurance

Except for consumer lender loans regulated pursuant to section 6-636, for any loan that is secured by real property, a person shall not require as a condition of the loan that the borrower obtain property insurance coverage in an amount that exceeds the replacement cost of the improvements as established by the property insurer. 44-1208

This law simply states that no matter what the loan amount is on your home, in AZ, you cannot be required to carry more insurance than the replacement cost, as determined by your insurer.  

Hope this answer helps.

ABC's of Condo Insurance in AZ

Ever wonder exactly what the different coverage are for on your policy? Here is a helpful description that is easy to understand. If you have questions about your policy, just give me a call and I will be happy to go over it with you.

BASIC COVERAGE

Building Property Protection.  Coverage includes  the condo you live in. With most condo's, you are responsible for the sheet rock in, which includes things as sheet rock, wiring, plumbing fixtures, flooring, cabinets, electrical fixtures and more. Most condo associations are responsible for the roof, outside walls and common areas.


Personal Property Protection.  Coverage includes loss of furniture, clothing and other contents if stolen or damaged; this coverage is usually 60% of the dwelling coverage. There are limits on certain personal property such as jewelry, computers, guns and cash.


Additional Living Expenses.  Coverage that reimburses you for reasonable increases in living expenses when a covered loss occurs which makes your condo uninhabitable. This coverage may include payments for the cost of rent, hotel, food and other expenses.


Guest Medical Payments.  Coverage payments for necessary medical expenses including surgery, x-rays and dental work if a guest is injured on your property.


Family Liability Coverage.  Coverage to protect you if you are sued for damages after someone is  injured on your property.


Scheduled Personal Property.   Coverage that protects certain personal property such as jewelry you have itemized on your policy in case of loss, theft or mysterious disappearance.


Loss Assessment.   Allstate will pay for your share of any special assessments charged to you from the condo association, up to the limits on your policy, subject to a small deductible.


Extended Protection.   Your insurance company will pay your share of the condo association's Master Policy Deductible, up to the limits on your policy.


Deductibles.   The amount of co-insurance you have on your policy that you are responsible for any claim.

Hope this information is helpful.

If I plan to drive in Mexico, do I need to buy Mexican auto insurance?

With my agency located in Arizona, I get this question asked to me frequently. My answer is always YES. Here are a few facts that support my answer.

• Most American auto insurance companies will cover you and your car within 75 miles of the US / Mexican border.
• To my knowledge, the Mexican government does not recognize any American insurance companies.
• If you have an accident in Mexico, you are considered guilty (at fault) until proven innocent.
• You can be thrown in jail and your vehicle impounded and sold.

Mexican auto insurance can be purchased at many US insurance companies and also at the border with Mexico. An example of full coverage (liability, property damage, collision, travelers aid, interpreter, and lawyer if needed is about $55 for a 4 day stay. A small price to pay for peace of mind.

Also, if you have a lien on your vehicle, some lien holders will not allow you to take your vehicle into Mexico. Please check with them before you plan a trip.

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What do I need to know BEFORE I purchase insurance?

Purchasing insurance for your car, motorcycle or ATV is not only the law but also a task you should go into with a little bit of insurance knowledge. Our hope is to give you the tools to make the right decision for your individual needs and requirements.

Determining what company you choose to purchase your insurance from is the first step. Many people want the cheapest insurance possible. However, it is more important for you to get the right coverage rather than the cheapest insurance. What you should be concerned with are a combination of low cost, coverage designed for your specific needs, do you have an 800# or a real local agent, customer service, claims service and will your insurance company be there when you need them.

At The Harris Agency, we want you understand your coverage. That is why we try to examine and explain each of the coverage you currently have to make sure it fits your real needs. We have compiled a list of some of the coverage with an easy to understand description of these coverage; the more you are informed about your insurance needs, the smarter decision you can make.

Your Auto, Motorcycle, ATV insurance is required by law and by your lien holder on your vehicles. In AZ, state law requires you to have both BI (bodily Injury – coverage if you are at fault for an accident and your cause injuries to others) and PD (property damage – coverage if you are at fault for an accident and cause damage to others property). Arizona requires BI coverage of $15,000/$30,000 and PD coverage of $10,000. We recommend that the PD coverage be at least $25,000, which usually only costs less than $5.00 more every 6 months. 

UM/UN (Uninsured and Underinsured coverage) is not legally required but helps cover you if you are involved in an accident where the other party is at fault but does not have any or enough coverage to pay for your medical injuries. 

Collision coverage pays for damage to your vehicle (subject to a deductible) and Comprehensive coverage pays for glass repairs/replacement, theft, and vandalism to your vehicle (subject to a deductible, except if you have full glass coverage for your auto glass).

Your Home, Condo or Landlord property is the largest purchase you will ever make in your lifetime. Our hope is to give you the tools to make the right decision for your individual needs and requirements. Be sure your property insurance policy includes enough coverage to replace your property if totally destroyed (replacement cost), enough liability coverage to protect your assets in case of a law suit judgment due to a liability claim ($300,000 minimum if you have a pool), enough insurance to cover your personal property (clothing, furniture, jewelry, electronics), and a deductible you can handle if you do file a claim (coinsurance).

As a Renter, your insurance needs are different than a property owner’s needs. When you rent an apartment, condo or home, you are not insuring the property. Your only concerns are for your personal property (clothing, furniture, jewelry, electronics), liability coverage ($100,000 required by most apartment complexes), and a deductible you can handle if you file a claim (“coinsurance”). Most apartments require you to name them as “an additional insured” on your policy. That way, they receive  a copy of your policy with any policy changes. 

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