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- 6 Ways To Avoid an Insurance Claim This Thanksgiving
Thanksgiving is a wonderful holiday, filled with food, friends and family. But turkey day can also bring its share of risks and accidents. Here are six tips on how to lower your chance of a Thanksgiving Day incident and possibly avoid an insurance claim. 1. Don’t leave your oven or stove unattended. Don’t let guests distract you while you’re cooking. Thanksgiving is the peak day of the year for home cooking fires (followed by Christmas Day, Christmas Eve and the day before Thanksgiving), according to the National Fire Protection Association. If a fire starts on your stovetop, turn off the burner and quickly cover the pan or pot with a lid to smother the flames. Don’t throw water or flour on stovetop flames — it could cause a fire flare-up or spread the fire. Use baking soda instead. If a fire starts in your oven, turn off the oven and keep the door closed. Opening the oven door could feed the fire (oxygen rush) and cause it to spread. Keep a kitchen fire extinguisher within easy reach (class K is recommended for optimal firefighting safety). If you're unable to fight a fire, choose safety and flee your home. For all but the most minor flare-ups, it’s a good idea to call 911 and have everyone wait outside for firefighters to arrive. Possessions can be replaced — lives can't. 2. Follow sound food safety principles. Food poisoning is not the lasting Thanksgiving memory you want to leave your family and friends with. Wash your hands often as you cook and handle ingredients properly to protect your loved ones from foodborne illnesses. Wash and disinfect utensils and cutting boards, especially when handling raw meat. Keep raw foods separate to prevent cross-contamination. Never reuse meat marinades for sauces unless you boil them thoroughly first. Use a reliable probe thermometer for your turkey. The Department of Agriculture (USDA) recommends a minimum internal temperature of 165 degrees for safety. A stuffed turkey will take longer to cook than an unstuffed turkey. Watch out for leftovers — get them into the fridge promptly to halt the growth of potentially dangerous bacteria. Store uncooked meat on the lowest shelf to prevent dripping and cross-contamination. If serving a buffet-style meal, stay on top of USDA-recommended hot and cold food storage temperatures. Nearly 32 million Americans have food allergies and 200,000 of them are hospitalized each year because of a food reaction, says Food Allergy Research and Education. Ask your guests about food allergies in advance and modify your food preparation accordingly. 3. Keep your pets and guests safe. The joyful chaos of a bustling holiday home can be scary and stressful for pets. Even normally docile dogs can bite when they are anxious or frightened, and you can be held legally liable if a guest is injured in your home. Serious dog bites may require medical care and can even lead to lawsuits. You could wind up filing a homeowners claim for these costs. Set aside a space they can retreat to, such as a quiet guest room, and make sure they have enough food and water. Keep the Thanksgiving feast away from your pets. Fatty “people foods” are hard for animals to digest, and poultry bones can cause choking hazards. Certain desserts can contain ingredients that are poisonous to pets (dogs should never have chocolate, for example). If you believe your pet has eaten something it shouldn’t have, call your veterinarian or local emergency pet clinic immediately. You can also call Animal Poison Control at 888-426-4435. 4. Don’t overserve alcohol. Thanksgiving is a time for celebrating with family and friends, and the festivities often include cocktails. Social host liability laws (which vary by state) allow the victim of a drunk driver to sue the host who served the alcohol. As a host, you may be held liable for alcohol-related mishaps that occur during or after your Thanksgiving gathering. Offer nonalcoholic beverage alternatives and stop serving alcohol toward the end of the gathering. Encourage your guests to use a designated driver or offer them rideshare or taxi gift cards. When in doubt, call a ride or invite them to stay over. Impaired driving can end in accidents, tickets, fines, jail time or worse. Consider purchasing host liquor liability insurance to cover your party. Most renters and homeowners liability policies will cover mishaps, but liability related to alcohol may be excluded from your policy. Let your insurance agent know the details — they'll help you out. 5. Follow pandemic guidelines. Staying safe also includes COVID-19 variants. As a host, you're responsible (and potentially liable) for the health and safety of the people in your home. Check your state and local public health departments for gathering restrictions. Follow safer-gathering guidance offered by the Centers for Disease Control and Prevention. Review your guest list (factor in things like age, travel exposure, vaccination status and the health of everyone in attendance) and make a safe gathering plan from there. Consider the layout of your home and make adjustments (like increasing ventilation or celebrating outdoors). Communicate your plans with your guests and make sure everyone’s on the same page about the rules. 6. Don’t announce travel plans on social media. You never know who's reading your social media posts. Announcing your upcoming travel plans or the fact that you are currently out of town is like an engraved invitation to a would-be thief. Some burglars use social media posts to target homes. If you want to post about your trip, no problem. Just do it after you’ve safely returned home. If you’re gone for an extended period of time, be sure to set your burglar alarm, put lights on timers and arrange to have your mail and newspapers held. You can also let trustworthy neighbors know when you’re coming back so they can report any suspicious activity to the police during your absence. Give thanks safely Thanksgiving is one of the most popular holidays — and why not? It's all about giving thanks and reviewing what's most important. No matter how you choose to make merry, stay safe this Thanksgiving and enjoy your time with friends and family! Please be advised that insurance coverage cannot be added, deleted or otherwise changed until it is confirmed in writing by 3iG or the carrier. This e-mail and any files transmitted with it are the property of 3iG, are confidential, and are intended only for the use of the individual or entity to whom this e-mail is addressed. This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Copyright © 2022 Applied Systems, Inc. All rights reserved.
- Is Your Vehicle Ready for Oklahoma's Winter Weather?
Winter is on its way with cold temperatures, fog, snow and ice. Now is the time to prepare your vehicle for hazardous conditions and treacherous driving. Make sure you do the following in order to be ready: Ensure that all fluids are at their proper levels. In cold winter temperatures, it is always a good idea to check your antifreeze level and ensure it is properly rated for the temperatures in your area of the country. In addition, if the antifreeze is over five years old you may want to have it drained and new fluid added (check your owner's manual for recommendations). It's true that windshield washer fluid is used year-round, however, much more of it is utilized in the winter due to the salt and chemicals used on roads. Ensure you use de-icing wiper fluid, top off the fluid levels and be sure to include that rear window reservoir as well if you have a rear window wiper system. Clean and inspect exterior and interior lights. The sun sets much earlier in the winter months and having your vehicle lights working at their best is crucial for everyone’s safety. Replace any non-functioning interior or exterior bulbs and clean your glass or plastic lamp shields. If there are any cracks or leaks, it may be a good idea to see a mechanic for repairs. Have your brakes and steering systems inspected. These two systems need to be operating at optimal levels to prevent a collision or rollover. Brake pads and parts should be inspected by a mechanic for wear or defects along with steering system mechanisms. In addition, brake and power steering fluids should be checked and any leaks fixed. Check your tire pressure weekly. Ensure that your tire pressure is at the recommended pounds per square inch (psi). PSI ratings embossed on the tire are not necessarily the proper pressure for your vehicle. Refer to your owner’s manual or check the driver’s side door placard for tire pressure information. Tire pressure can change one pound per square inch for every nine degrees Fahrenheit change in temperature. Sudden drops in temperature can result in underinflated tires. Be sure to check your spare tire for any damage or deflation. Stock up for winter. Although a first-aid kit and a flashlight are essentials that you should have in your vehicle all year, there are other highly recommended items you should have on hand for winter such as an ice scraper/brush, shovel, and a bag of kitty litter or sand. Prepare for the unexpected. For severe weather and/or long trips, consider keeping these additional items in your car: a 24 to 48-hour supply of drinks and high-energy snacks, extra batteries, charging cables, jumper cables, a blanket and warm clothing. If you are traveling with children, it is a good idea to bring along books, cards or games to keep them entertained in the event you become stuck. Be prepared for winter by taking the above steps and maintaining slower driving speeds and maintaining a safe stopping distance. Now is a good time to talk to your agent about your property and auto coverage. Give us a call at 405-521-1600 today! 3000 Insurance Group +1 (405) 521-1600 firstname.lastname@example.org 3000 Insurance Group 3000 NW 149th Oklahoma City, OK 73134 Please be advised that insurance coverage cannot be added, deleted or otherwise changed until it is confirmed in writing by 3iG or the carrier. This e-mail and any files transmitted with it are the property of 3iG, are confidential, and are intended only for the use of the individual or entity to whom this e-mail is addressed. This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Copyright © 2022 Applied Systems, Inc. All rights reserved.
- Does your Small Business Qualify for Savings with a Small Group Health Plan?
If you own your own business, you might be eligible to enroll in health coverage as an employer group. In many cases, a small group health plan can be set up with as little as two eligible people*,even if only one of those chooses to enroll in coverage! The benefits of a group plan are: More enrollment flexibility: You can start a new group plan at any time of year. You do not need to wait until open enrollment. Tax Deductible: Employer paid premiums are tax deductible as an employee benefit. More options: In Oklahoma, there are more carriers, more networks, and more plan options available to employer groups. Lower premiums: In most cases, the premiums are lower for employer group coverage versus individual coverage. The typical requirements for starting a group health plan are: Proof of entity and ownership, such as articles of organization Proof of employees on payroll, such as an OESC quarterly wage and tax report or payroll records For husband-and-wife-only groups, the only way to be covered on a small group plan is if they are owners in a partnership entity. A copy of the partnership agreement or K-1 1065s must be submitted as proof of entity and ownership. 75% participation of eligible employees. This requirement can be waived if the eligible employees waiving coverage have coverage elsewhere or during the special enrollment period.** 50% employer contribution to employee portion of premium unless during the special enrollment period.** Please be aware that offering affordable coverage to employees receiving a subsidy may disqualify them for future subsidies. Contact us today for more information and to see if your company is eligible. *These two eligible people can be both owners, or one owner and one employee (part time employees meet this requirement). **Most group plans are subject to a minimum 50% employer contribution and 75% participation requirement. However, we can help you set up a group plan with these requirements waived during a special enrollment period between November 1 and December 15.
- How To Avoid a Scary Homeowners Claim This Halloween
Trick-or-treaters aren’t the only spooky thing homeowners may see on Halloween. You also need to watch out for the possibility of scary homeowners insurance claims. Here are 13 precautions to make your home safe and hazard-free before little ghosts, witches, princesses and super heroes come calling. Create a safe path. Clear your walk, steps, porch and lawn of any tripping hazards (electric cords, hoses, potted plants, etc.). Move everything to a place where no one can accidentally stumble on them. Repair hazards. Fix wobbly or broken porch railings that could cause severe injuries if any trick-or-treater or guest leans on them a little too hard. Survey your property. Take some exterior photos of your property before trick-or-treaters start to arrive. In the event of an accident or vandalism, they can come in handy. Secure pets. The things that make Halloween fun for people – spooky noises and music, trick-or-treaters, and unusual lights and decorations – can make the holiday nerve-wracking for pets, which in turn can lead to aggressive or destructive behavior. Keep pets in a safe location away from the commotion. Turn on the lights. Keep your sidewalks and pathways well lit so everyone can see clearly where they are stepping. Avoid homemade treats. Many parents won’t let their kids eat non-prepackaged candy. Plus, labels that have allergy warnings help prevent life-threatening reactions. Stick with the fun-size candies you can buy in bulk. Prevent electrical shock or fire. Use safe, intact electrical cords and decorations, and don’t overload outlets or circuits. Never fasten electrical wires or cords in a way that could damage the cord’s insulation or create tripping hazards. Decorate safely. Don’t hang heavy decorations overhead. These items could fall and strike a trick-or-treater or party guest, resulting in serious injuries. And avoid pop-up decorations that could startle visitors and cause an unfortunate accident. Host responsibly. If you host a grown-up Halloween party where you’re serving alcohol, monitor consumption and ensure your guests have designated drivers. And never serve alcohol to anyone under 21. Avoid fire hazards. Use LEDs instead of real candles in jack o’lanterns and paper luminarias. Real candles can create a dangerous fire hazard, especially with lots of children around. Take precautions in wet or cold weather. Use friction tape on steps. If your area is near or below freezing on Halloween, use salt or sand on slippery sidewalks and walkways as needed. Move vehicles. Reduce risks to little pedestrians by clearing parked cars from the curb for better visibility. And, instead of risking accidental dents or scratches, park your car in the garage, if you can. Discourage vandalism. Activate motion lights to illuminate the whole house and help scare away late evening vandals or mischief-makers. Opening your home to trick-or-treaters and Halloween party guests can expose you to homeowners claims and lawsuits. Talk to your insurance professional to make sure your home insurance policy is current and that you have adequate protection. Once you’ve done your best to create a safe environment, you can enjoy the spookiest day of the year. 3000 Insurance Group (405) 521-1600 email@example.com 3000 Insurance Group 3000 NW 149th Oklahoma City, OK 73134 Please be advised that insurance coverage cannot be added, deleted or otherwise changed until it is confirmed in writing by 3iG or the carrier. This e-mail and any files transmitted with it are the property of 3iG, are confidential, and are intended only for the use of the individual or entity to whom this e-mail is addressed. This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Copyright © 2022 Applied Systems, Inc. All rights reserved.
- Get the Right Personal Auto Insurance for Your Specific Needs
Whether you’re purchasing your first set of wheels or shopping for better coverage, we’ve got a personal auto insurance plan that’s right for you. From families with teen drivers to the owners of classic cars, we have policies to fit everyone’s needs and monthly budget. Our personal auto insurance covers injuries, property damage and liability claims; theft and vandalism; or losses from fire, weather-related incidents or falling objects: Liability coverage for bodily injury and property damage you cause when driving Collision insurance to cover the cost of fixing your car from an accident, hitting an object or a pothole, or flipping over Comprehensive coverage for damage caused by something other than an accident, such as hail, fire, vandalism, theft, falling objects or a cracked windshield Medical payments/personal injury protection to pay for medical bills and lost wages for you and any passengers injured in an accident Uninsured/underinsured motorists coverage to protect you from other drivers who don’t have coverage or from a hit-and-run accident Additional coverages (optional endorsements) 24/7 roadside assistance, including jump-starts, tire changes, fuel delivery and towing Replacement for a total loss Gap insurance to cover the difference between what you owe on your car loan and the value of the car if it’s totaled Rideshare insurance if you use your car to pick up passengers for a ride-sharing company Commercial auto insurance if you drive your vehicle for business No-deductible glass coverage for damage to your windows Specialty coverage for classic cars that insures their distinctive value and use, including shows Other beneficial options Telematics safe driving program that can reduce claims and lower your rates Discounts for good drivers, defensive driving classes, anti-theft devices, and multiple vehicles insured through us Savings when you bundle both your auto and homeowners policy with us Your costs will be based on the value of your vehicle, where you drive it, your driving record and other indicators of risk. You can include other drivers in your home on your policy if they are your dependents. If they are grown or own their own vehicle, we can help them get great coverage, too. Give us a call today Give us a call or email to learn more about your Oklahoma auto insurance options. We look forward to helping you stay safe on the road. 3000 Insurance Group (405) 521-1600 firstname.lastname@example.org Please be advised that insurance coverage cannot be added, deleted or otherwise changed until it is confirmed in writing by 3iG or the carrier. This e-mail and any files transmitted with it are the property of 3iG, are confidential, and are intended only for the use of the individual or entity to whom this e-mail is addressed. This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Copyright © 2021 Applied Systems, Inc. All rights reserved.
- How Inflation is Affecting your Insurance
We're seeing inflation impact the price of various things across the board, and insurance is no exception. While the rising cost of insurance in Oklahoma is a concern for many, another concern is the increased cost of repairing or replacing assets such as homes, buildings, or personal property. You might think it's enough to insure your property for market value (the cost people are willing to pay for your property), but the replacement value may exceed its market value. Your property's market value today could be quite different next year. And the price of materials to rebuild is likely to increase year over year. Are your limits adequate in the event of a covered loss? Insurance policies are commonly written on a replacement cost basis, which means the policy will pay to replace your building, home, or personal property should a covered loss occur. As the current costs of materials and labor continue to rise, your policy may need to be adjusted. With many policies and adjustment happens automatically, but it’s often nominal. Check your policy to ensure you have adequate funds to rebuild or replace your house, business, or personal property. Keep in mind that many insurance policies have a coinsurance provision that states, you, the insured agrees to keep the asset insured within a certain percentage of the asset's replacement cost to avoid penalties. We recommend you review your property and any assets annually to ensure you carry limits adequate to satisfy the coinsurance requirements and avoid penalties or partial payments at the time of a covered loss. If you lease your property, always read your lease agreement to understand exactly what you are responsible for insuring. If your landlord built out the space, they could likely give you an appropriate figure to do so again. Or seek out help from a trusted Real Estate broker to help you determine the proper reconstruction amount. Many leases make you responsible for the Leasehold Improvements in your space, especially if they were placed in your space by you or on your behalf; making it your responsibility to insure. It is critical to remember when evaluating the replacement cost, it is not always equal to the market value. Market value often includes the cost of the lot or acreage a building sits on, which is not insurable. You can speak with our office to help get an idea of replacement costs, or you can talk with a contractor, real estate agent or home builder to get an idea of the current costs. Please let us know how we can help! Give us a call at 405-521-1600 or visit www.3000ig.com for more information.
- Medicare's Open Enrollment Period Begins Soon
During Medicare’s annual open enrollment period from October 15 to December 7, individuals can join, switch and drop plans (note that the dates are fixed even when, as in 2022, October 15 falls on a weekend). Coverage begins January 1 of the following year. During the open enrollment period, participants can: Switch from original Medicare to a Medicare Advantage plan. Switch from a Medicare Advantage plan to an original Medicare plan. Switch from one Medicare Advantage plan to another. Switch from a Medicare Advantage plan that doesn’t offer drug coverage to one that does. Switch from a Medicare Advantage plan that offers drug coverage to one that doesn’t. Enroll in a stand-alone Medicare Part D prescription drug plan. Switch from one stand-alone Medicare Part D prescription drug plan to another. Drop Medicare Part D prescription drug coverage completely. Additional information is available from the Centers for Medicare & Medicaid Services. Please be advised that insurance coverage cannot be added, deleted or otherwise changed until it is confirmed in writing by 3iG or the carrier. This e-mail and any files transmitted with it are the property of 3iG, are confidential, and are intended only for the use of the individual or entity to whom this e-mail is addressed. This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Copyright © 2022 Applied Systems, Inc. All rights reserved.