With the month of November just around the corner, the number of Deer Claims increase dramatically in the state of Wisconsin. Here are 8 important points to remember when you are on the road:
1. Most deer claims occur around sunrise and sunset. Be particularly alert at these times. Slow your speed and be prepared to stop.
2. Always wear your seat belt and have your passengers do the same.
3. TAKE THE DEER, NOT THE DITCH! Try to brake as much as possible, keep control of the car, and stay ON THE ROADWAY IN YOUR LANE. Loosing control of the vehicle can cause more damage and injury.
4. If you spot a deer, slow down and blow the horn.
5. If you see one deer, assume there are more.
6. Pay attention to the roadways posted with deer caution signs. They are there for a reason.
7. "Deer Whistles" are ineffective. don't rely on them to help.
8. Report any accident promptly to the policy and your insurance agent.
Binning & Dickens Insurance Services, 329 W Center Street, Whitewater WI 53190
262-473-3930 ron@binningdickens.com
Tuesday, October 14, 2008
Tuesday, September 23, 2008
LONG TERM CARE INSURANCE
As the Baby Boomers start moving to and through retirement, probably the most important insurance PURCHASE will be LONG TERM CARE INSURANCE. The goal of this insurance is to protect your assets for as long as possible.
Who needs Long Term Care?
Even though you plan to remain healthy, active and independent, there’s a good chance, at some point, you’ll need help. Consider these statistics:
Today, people age 65 and older face a 40 percent lifetime risk of entering a nursing home — about 10 percent will stay there five years or more.
It’s not just the elderly, however, who require Long Term Care. Forty percent of the 12 million Americans receiving Long Term Care are between the ages of 18 and 64.
Because women generally outlive men, are they more at risk?
Yes, the issue of Long Term Care should be especially important to women because they traditionally provide (see Unpaid caregiving issues) and receive the majority of Long Term Care services. Consider these statistics:
After age 65, women face a 50 percent greater likelihood than men of entering a nursing home.
Seventy-five percent of nursing home residents 65 years and older are female, and two-thirds of home health care users are female.
Who needs Long Term Care?
Even though you plan to remain healthy, active and independent, there’s a good chance, at some point, you’ll need help. Consider these statistics:
Today, people age 65 and older face a 40 percent lifetime risk of entering a nursing home — about 10 percent will stay there five years or more.
It’s not just the elderly, however, who require Long Term Care. Forty percent of the 12 million Americans receiving Long Term Care are between the ages of 18 and 64.
Because women generally outlive men, are they more at risk?
Yes, the issue of Long Term Care should be especially important to women because they traditionally provide (see Unpaid caregiving issues) and receive the majority of Long Term Care services. Consider these statistics:
After age 65, women face a 50 percent greater likelihood than men of entering a nursing home.
Seventy-five percent of nursing home residents 65 years and older are female, and two-thirds of home health care users are female.
Thursday, September 11, 2008
As Independent Agent, we represent many insurance companies, giving us the opportunity to find the right insurance company for you. In addition we also find the RIGHT PRICE for you. Unlike the direct writers or the internet, we do the shopping for you.
Binning and Dickens Insurance Services Ltd
329 W Center St, Whitewater WI 53190
Auto, Home, and Business Insurance
INSURANCE IS NOT A COMMODITY
With the advent of INTERNET INSURANCE, buyers are not consulting with anyone about their personal insurance purchases. Questions about policy limits, unisured and underinsured motorist coverage, rental reimbursement, physical damage coverage, gap insurance, umbrella coverage, etc are not being asked. The goal of insurance is to protect your assets. Insurance IS NOT a commodity like a pair of shoes or a new suit. I believe talking to an Independent Agent is the only way you can fully understand the insurance purchase and feel confident you are purchasing the insurance you need to protect yourself and your family from financial ruin.
Wednesday, March 12, 2008
Credit Scoring and Insurance
Credit scoring and insurance are here to stay. As much as we dislike the combination, insurance company statistics bear out the fact that people with low credit scores have more claims. Is it because they turn in every little claim, are they put into situations where they have more claims, are they unlucky, or some other reason. The fact is Credit Scoring will not go away and it is best to be proactive and do everything possible to improve your credit score. Things like limiting the number of credit cards, don't over extend yourself on credit cards or other credit sources, and most important pay ALL bills on time.
An individual needs to protect their Credit Score more than ever. It can only improve your financial future.
3-12-08
An individual needs to protect their Credit Score more than ever. It can only improve your financial future.
3-12-08
Tuesday, June 19, 2007
Crazy drivers
No one is in a hurry to DIE, until they get in a car. How many time have you seen drivers drive with NO COMMON SENSE? Too many time. None of them WANT to die but every year on Wisconsin highways people die. Mostly due to excessive speed. Certainly drunk drivers are a problem. So is distracted driving (ie. food, drinks, cell phones, iPods, cd's, other people in the car, etc.)
Some people are IN A HURRY TO DIE WHEN THEY STEP ON THE GAS. Lets face it, they just don't know it yet.
Ron Binning
Insureguy
Some people are IN A HURRY TO DIE WHEN THEY STEP ON THE GAS. Lets face it, they just don't know it yet.
Ron Binning
Insureguy
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