I am often asked: "How much does smoking affect my Life Insurance premium?
If you smoke, you will pay at least 50% more for both Life and Health Insurance. It has been proven smoking creates long term problems for your health. Learn more about the affects of smoking at the following site: http://www.cdc.gov/tobacco/index.htm
Ron Binning
ron@binningdickens.com
www.binningdickens.com
Tuesday, November 16, 2010
Friday, October 15, 2010
Deer Claim Accidents
Wisconsin is full of White Tail Deer and with November fast approaching, we will see more and more of them on our roadways. BEING SAFE IS A LOT EASIER IF WE PLAN.
Deer have a pattern of behavior so if you see deer on the route you travel, you will see them again. Here are some ways you can protect yourself from a vehicle/deer accident:
1. High risk periods are from sunset to midnight and around dusk. Slow down at these times.
2. Use HIGH BEEM lights whenever possible. Watch for the reflection of their eyes and silhouettes. When spotting them, brake firmly BUT STAY IN YOUR LANE.
3. Deer are unpredictable. Sometimes they stop for the bright lights, sometimes they run. Brake, check the rearview mirror and if necessary and safe, stop if you have to. Blow horn.
4. If you see one deer, almost certainly there will be more. Proceed slowly.
Remember to be safe and alert whenever you get behind the wheel. No cell phones and no texting and be on the alert for the White Tail Deer.
Ron Binning
Binning & Dickens Insurance
Whitewater WI 53190
Deer have a pattern of behavior so if you see deer on the route you travel, you will see them again. Here are some ways you can protect yourself from a vehicle/deer accident:
1. High risk periods are from sunset to midnight and around dusk. Slow down at these times.
2. Use HIGH BEEM lights whenever possible. Watch for the reflection of their eyes and silhouettes. When spotting them, brake firmly BUT STAY IN YOUR LANE.
3. Deer are unpredictable. Sometimes they stop for the bright lights, sometimes they run. Brake, check the rearview mirror and if necessary and safe, stop if you have to. Blow horn.
4. If you see one deer, almost certainly there will be more. Proceed slowly.
Remember to be safe and alert whenever you get behind the wheel. No cell phones and no texting and be on the alert for the White Tail Deer.
Ron Binning
Binning & Dickens Insurance
Whitewater WI 53190
Saturday, September 18, 2010
Winterizing your Car - We do live in Wisconsin
http://auto.howstuffworks.com/car-driving-safety/accidents-hazardous-conditions/car-winterizing-tips1.htm
This is a great site providing 10 tips on what you should do to winterize your car. October is almost here and that means December, January, & February are not far behind. It is always better to get ready for winter than it is to be "stuck" in winter.
Ron Binning
Binning & Dickens Insurance
ron@binningdickens.com
This is a great site providing 10 tips on what you should do to winterize your car. October is almost here and that means December, January, & February are not far behind. It is always better to get ready for winter than it is to be "stuck" in winter.
Ron Binning
Binning & Dickens Insurance
ron@binningdickens.com
Saturday, August 7, 2010
Wisconsin Auto Insurance Law
As most of you know, Wisconsin's new Auto Insurance State law went into effect June 1, 2010. The state law increased minimum Bodily Injury limits to $50,000 per person/$100,000 per accident. Property Damage was increased to $15,000, Medical Payments increased to $10,000, Uninsured Motorist was increased to $100,000 per person/$300,000 per accident, and Underinsured Motorist was increased to $100,000 per person/$300,000 per accident.
EVERYONE now must carry auto insurance and EVERYONE must now carry proof they have auto insurance. If you are a client of ours and you do not have a copy of your insurance in your car, call us at 262-473-3930 and we can mail, email, or FAX the proper documents to you.
Ron Binning
Binning & Dickens Insurance
www.binningdickens.com
EVERYONE now must carry auto insurance and EVERYONE must now carry proof they have auto insurance. If you are a client of ours and you do not have a copy of your insurance in your car, call us at 262-473-3930 and we can mail, email, or FAX the proper documents to you.
Ron Binning
Binning & Dickens Insurance
www.binningdickens.com
Thursday, July 1, 2010
Wednesday, May 12, 2010
TEXTING Ban for Motorists in Wisconsin
When using COMMON SENSE, it is hard to believe the WI State Legislature felt compelled to pass legislation banning texting while DRIVING. Common sense says while driving you should NEVER take your eyes off the road. I you do, BAD THINGS WILL HAPPEN!!!!
Research by the National Highway Traffic Safety Administration and the Virginia Tech Transportation Institute found that 80% of crashes and 65% of near crashes involve driver distraction. Use of cell phones and texting was a principal distraction. At 55 MPH, for every second you take your eyes off the road you travel 27 yards. In 4 seconds that would be 108 years. (A FOOTBALL FIELD) How long does it take to cross the center line - maybe a second or two. The car traveling the other direction has no more than a 4 to 5 foot separation.
What could be so important to text when the resulting effect could be your lose of life or that of others on the road? It all comes down to common Sense. DON'T TEXT AND DRIVE! As of 12-1-2010 it will be against the law in Wisconsin. Too bad it does not go into effect TODAY.
Ron Binning
ron@binningdickens.com
www.binningdickens.com
Research by the National Highway Traffic Safety Administration and the Virginia Tech Transportation Institute found that 80% of crashes and 65% of near crashes involve driver distraction. Use of cell phones and texting was a principal distraction. At 55 MPH, for every second you take your eyes off the road you travel 27 yards. In 4 seconds that would be 108 years. (A FOOTBALL FIELD) How long does it take to cross the center line - maybe a second or two. The car traveling the other direction has no more than a 4 to 5 foot separation.
What could be so important to text when the resulting effect could be your lose of life or that of others on the road? It all comes down to common Sense. DON'T TEXT AND DRIVE! As of 12-1-2010 it will be against the law in Wisconsin. Too bad it does not go into effect TODAY.
Ron Binning
ron@binningdickens.com
www.binningdickens.com
Monday, April 5, 2010
Wisconsin Mandatory Auto Insurance Law - 2010
As of June 1, 2010, the Wisconsin Mandatory Insurance Law goes into effect. Check this link for "everything you needed to know" about this change: http://oci.wi.gov/faq/auto.htm#finresp
BRIEF SUMMARY:
1. Increased limits -
BRIEF SUMMARY:
1. Increased limits -
- minimum $50,000 per person/$100,000 per accident - Bodily Injury
- minimum $15,000 - Property Damage
- minimum $100,000 per person/$300,000 per accident - Uninsured Motorist & Underinsured Motorist.
2. Fines for NOT carrying Auto insurance in Wisconsin:
- Can be up to $500
3. Insurance Card - MUST BE CARRIED IN THE CAR OR IN YOUR WALLET/PURSE to verify you carry insurance withe the proper limit of liability.
Call Binning & Dickens Insurance with all your insurance questions.
Ron Binning
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