Use these questions to help you and your Agent review your coverage

Annual Review- Use these questions to help you and your Agent review your coverage:

  1. Has there been a change of drivers or vehicles currently listed on your policy?
  2. Have you, or any driver, changed job or school locations?
  3. Have you paid off a loan on a vehicle?
  4. Has anyone moved in or out of the household?
  5. Have you installed a security or fire alarm system?
  6. Has any member of the household started a business in your home?
  7. Have you paid off your mortgage, refinanced or taken a second mortgage?
  8. Have you made any significant home improvements? (wiring, heating system, plumbing, renovations, roof, additions, etc.)
  9. Have you purchased a second/seasonal home, rental or investment property?
  10. Have you purchased a watercraft, motorcycle, snowmobile, RV or ATV?
  11. Have you acquired any pets?
  12. Have you installed a pool, Jacuzzi, trampoline, or wood burning stove?
  13. Have you acquired any valuable collections, artwork, jewelry, furs or guns?
  14. Have you filed an insurance claim?


Discounts- Are you getting all the discounts you qualify for? Let’s make sure… just in case something’s changed since we last talked. Call us so we can review together the possible ways you might save.

  • Safety Discounts — save with select safety devices.
  • Multi-car Discount — save up to 20% when you insure more than one auto.
  • Multi-policy Discount — save up to 25% when you insure your auto and home with us.
  • Life Multi-policy discount — save up to 5% on your auto premiums with a qualified life policy.
  • College Student Discount
  • Pay Plan Discounts
  • Driver Training Discount

ATV’s and other Off Road Vehicles

Since 2003, there have been many accidents and even deaths resulting from ATV usage:

· Indiana: an 11-year-old girl died in an ATV crash. She was riding on the vehicle with two friends.

· Pennsylvania: two teenaged boys died when their ATVs hit head-on.

· 2005- A Nashville teenager is dead after a crash during an ATV race at the Brown County Fair.

· 2005- boy age 6, died of injuries he received two days previously when the adult-size ATV he was operating turned over and pinned him at his home. The kindergartner was unaccompanied by an adult while riding.

· five-year-old girl killed as she drove an all-terrain vehicle. The girl died after being pinned under the ATV she was driving outside her home. She was alone in the vehicle.

· June 4, 2006- A 15-year old boy was driving with a 14 yr old girl when he lost control taveling into a wooded area and crashing into several trees. The boy was ejected and died instantly, while the girl was also ejected and flown to the hospital.

· Indiana- two young children are placed on sled tied to an ATV by babysitting couple. Driver swings ATV around so sled follows, but sled swings into road in front of van killing both children.

· June 15, 2006 – The highway patrol says two people were on the ATV when the driver didn’t stop for a stop sign and the SUV slammed into it. Passenger age 11, was pronounced dead at the scene. Authorities say neither was wearing a helmet.

· June 9, 2006: Noble Co- A 12 year old girl was critically injured after a pickup struck the ATV she was riding. The girl suffered blunt force trauma to head. Driver and another passenger were also thrown from the ATV but had minor injuries. None of the girls were wearing head or eye protection. Police indicate driver of pickup not at fault. June 18, 2006- 12 year old upgraded to serious.

Additional information to be aware of specifically regarding ATV’s includes:

1. More than 5 million youth and adults across the US ride ATV’s each year. According to the Consumer Product Safety Commission, more than a half million youth under age 16 have been injured since 1985, and 32% of the people killed while operating ATV’s between 1982 and 2002 were younger than 16.

2. Indiana Code 14-16-1-20-c states that an individual may not operate a vehicle on a public highway without a valid motor vehicle driver’s license.

3. Indiana Code 14-16-1-24 states that the operator of a vehicle involved in an accident resulting in bodily injury or death to an individual or property damage of at least $750 shall immediately notify authorities to complete an accident report.

4. Indiana law 14-16-1 states that all ORV’s purchased after Dec 31, 2003 must be registered.

5. Snowmobiles and ORV’s must be registered to be ridden on state trails or other public property in Indiana.

6. For more information about regulations and the safe operation of ORV’s, go to

8. Nearly 90% of all youth ATV related injury incidents are the result of a youth riding an adult-sized ATV, meaning an ATV with an engine size great than 90 cc. No child under the age of 16 should be permitted to ride an adult sized ATV.

9. Even if your family does not own an ATV, there is a chance that your child has friends or acquaintances that do. It is important to address this by setting rules and discussing them with your child.

10. Even though a child is of the recommended age to ride a particular size ATV, not all children have the strength, skill or judgment needed to operate an ATV.

s handle differently from other vehicles such as motorcycles and cars. Proper instruction and practice are s can be hazardous to operate.

Can you pass the quiz?

Always follow the ATV Safety Institute’s Golden Rules:

1. Always wear a helmet and other protective gear

2. Never ride on public roads- another vehicle could hit you

3. Never ride under the influence of alcohol or other drugs

4. Never carry a passenger on a single-rider vehicle

5. Ride an ATV that’s right for your age. The guidelines are:

· Age 6-12: under 70 cc

· Age 12-16: 70 cc- 90 cc

· Age 16 and older: over 90 cc

6. Supervise riders younger than 16: ATV’s are not toys

7. Ride only on designated trails and at a safe speed

8. Take an ATV Rider Course. The ATV RiderCourse, a half-day hands-on training program is available nationwide. If you purchased a new ATV, you may be eligible for free training. Once training is completed, you may also be eligible to receive an incentive. To find out if you are eligible for free training and to register for classes, contact the ATV Enrollment Express 800-887-2887 or go to for more information. Those not eligible for free training, are encouraged to take the class for a nominal fee.

Also be sure to inspect the ORV:

1. Are tires and wheels in good condition?

2. Are controls and cables operational?

3. Does the chain have proper slack and is it lubricated?

4. Is riding gear (including a helmet) in good condition available?

Monthly Memo- February: National Pistachio Day, Home Based Business and more

pistachios Stop by either office on Wednesday February 26 for some pistachios, in honor of NATIONAL PISTACHIO DAY!



A home based business (Pampered Chef, Gold Canyon Candles, Mary Kay, Tastefully Simple, a beauty salon in a spare room, work from home typing, to name just a few) creates exposure from clients/customers entering your premise, your business operation and even the products that you carry/store to conduct your business. If you have one of these types of business, please contact us to review your specific needs. Most standard homeowner policies do not extend adequate coverage for a home based business located in a person’s home whether it be liability or business personal property. The simplest way to address a home business’ liability exposure is through an Incidental Business Endorsement. The IBE covers 50 different types of business’, mostly small offices and service providers for an additional annual premium depending on the type of business. Commercial policies are available for more sophisticated home business’ with expensive equipment, higher liability exposure or employees. 



Per Indiana Codes, 9-25-6-14 and 9-25-8-6, the Indiana BMV is now requiring an SR-22 filing be made anytime an insured’s operator’s license has been suspended, regardless of the underlying violation. Drivers who are caught operating a vehicle without insurance will be suspended for a mandatory 90 days, be required to pay a reinstatement f…ee and be required to maintain a sr22 policy for three years at the end of the 90 day suspension. Preferred insurance companies typically do not allow SR22 policies so you’d have to be placed with a Standard or Nonstandard (high risk) carrier which have higher rates AND pay the SR22 policy fee. ***$$= OUCH*** Don’t let your coverage lapse!


Snowmobile and ORV registration switches from DNR to BMV

Mandatory registration for owners of snowmobiles and other outdoor recreational vehicles switched on Jan. 1 from being handled by the DNR to being handled by the Bureau of Motor Vehicles. Registration is valid for three years and must be renewed every three years thereafter, for $30. Registration may be done online or in person at a BMV branch.



People use the term identity theft loosely. True identity theft occurs when a thief uses your personal information, such as your Social Security number, home address, checking account number, etc., to commit fraud and open new accounts. Fraudulent charges on a credit or ATM card may mean that someone has stolen your credit card account number to make purchases that you did not approve, but it may not indicate that your identity was stolen. Identity theft occurs when a thief steals your personal information to:

  • Open new credit card accounts
  • Take out loans for new cars or homes
  • Access bank accounts and withdraw funds
  • Rent homes
  • Obtain medical treatment and charge it in your name
  • Use your good name as an alias when committing a crime

These activities can result in a significant financial and emotional cost.

The FTC has many resources for Immediate Steps to Repair Identity Theft, Fraud Alerts and Credit Freezes, Repairing Credit After Identity Theft, How To Keep Your Personal Information Secure and more!