Hamilton Insurance Group Blog

Nighttime driving is biggest danger for teen drivers, study says

Sat, 04 Sep 2010 11:44:20 -0500

Driving after dark is the single most-dangerous risk a teenage driver can take and is more likely to result in death than drinking, speeding or disregarding a seat belt, according to a national 10-year study of highway fatalities released Thursday. "Everything points in the same direction for this age group, and that is to the use of cellphones behind the wheel," said Bernie Fette, one of the study's authors. "Whenever you combine the nighttime danger and the cellphone danger with ...

Protect Your Landscape Investment

Wed, 01 Sep 2010 21:51:41 -0500

Protect Your Landscape Investment One of the more common complaints heard from insureds after a major property loss is a lack of homeowners coverage for valuable trees and landscaping. Most homeowners policies provide only limited coverage (with restricted perils) for this loss exposure—usually 5 percent of the dwelling limit subject to a maximum of $500 per tree or shrub. Peril restrictions may also preclude coverage; for example, there is no landscaping coverage for a loss to landscape a...

HIG Attends Life University

Mon, 23 Aug 2010 14:10:27 -0500

Hamilton Insurance Group has returned from Life University in Columbus OH. The award winning insurance agency was 1 of only 5% of Nationwide agencies to earn a spot at the elite conference. For more information about Life University or to request a life, auto, or homeowners insurance quote in Kentucky or Indiana: Contact Tim Hamilton or Monica Landers at (859) 276-1234 or go online at www.timhamiltoninsurance.net or www.nationwide.com/timhamilton. ...

Photograph Your Rental Car Before Driving Away

Sun, 22 Aug 2010 19:47:05 -0500

Take photos of the exterior, interior and trunk to document all visible damage and any missing items. If your camera allows you to add a date to each photo, make sure that you leave this function turned on and the date properly set. Documenting damage will ensure that you are not liable for anything that you did not cause. Bottom Line/Personal interviewed Nancy Dunnan, editor, TravelSmartNewsletter, 800-FARE-OFF, www.travelsmartnewsletter.com. For more information about rental car coverage...

Come join Jay & Friends "On the Course for Kids" presented by Nationwide Insurance

Thu, 12 Aug 2010 18:54:14 -0500

Tim & his team, @ Hamilton Insurance Group, invite you to join Jay & Friends "On the Course for Kids" presented by Nationwide Insurance, benefiting Home of the Innocents. Joining us on the course & in concert will be... Kyle Petty, Anna Nalick, Bucky Covington, Jon Wysocki, Greg Upchurch & Jake Owen. For all the details, click here. We appreciate your support.

Credit Use in Insurance Rating

Mon, 09 Aug 2010 21:15:40 -0500

The credit crisis has heightened interest in legislation addressing the use of credit in insurance rating and underwriting. House Financial Services (Fin. Serv.) Committee hearings on credit scoring were held in March and May 2010. The FTC continues to study the use of credit in homeowners insurance.

House Passes National Flood Insurance Program Long-term Reauthorization

Wed, 04 Aug 2010 17:28:52 -0500

House Passes National Flood Insurance Program Long-term Reauthorization The U.S. House of Representatives passed the Flood Insurance Reform Priorities Act of 2010, a long-term reauthorization and reform of the National Flood Insurance Program (NFIP), extending the program through FY 2015. However, no Senate action is expected this year, which means the NFIP is still set to expire on September 30. The Hamilton Insurance Group and Nationwide Insurance is supportive of most of the provisio...

25 Things Becoming Extinct in America

Mon, 26 Jul 2010 22:02:55 -0500

#1. The Family Farm Since the 1930's, the number of family farms has been declining. According to the USDA, 5.3 million farms dotted the nation in 1950, but this number had declined to 2.1 million by the 2003 farm census (data from the 2007 census hasn't yet been published). Ninety-one percent of the U.S. Farms are small Family Farms. #2. Analog TV According to the Consumer Electronics Association, 85% of homes in the U.S. get their television programming through cable or satellite providers. ...

National Flood Insurance Program Extended

Fri, 16 Jul 2010 16:02:54 -0500

National Flood Insurance Program Extended Congress reauthorized the National Flood Insurance Program (NFIP) through September 30, 2010, and President Obama signed it into law. The extension is retroactive to cover the lapse period from June 1, 2010, to the date of enactment of the extension. For more information about flood insurance or to request an auto, homeowners or flood insurance quote in Kentucky or Indiana: Contact Tim Hamilton or Monica Landers at (859) 27...

Lower Your Auto Insurance Costs

Thu, 15 Jul 2010 22:04:54 -0500

Lower Your Auto Insurance Costs Automobile insurance premiums often take a big bite out of a family’s budget. You may, however, be paying too much for this coverage. The following are several approaches you can use to reduce your auto insurance costs. Choose higher deductibles, particularly if you currently have a low collision or other-than-collision deductible, such as $100 or $250. Increasing your deductible from $250 to $500 or $1,000, for example, can reduce your collision a...

Kentucky Legal Climate

Mon, 12 Jul 2010 19:49:10 -0500

Kentucky Legal Climate Doug Alexander, reporting for the Partnership for Commonsense Justice, cites a new study that shows the Commonwealth's legal climate is among the worst in the nation. The business legal group notes that the U.S. Tort Liability Index: 2010 Report placed Kentucky 36th among the states. In March, the U.S. Chamber of Commerce's Institute for Legal Affairs ranked Kentucky 40th among the states in a similar survey of in-house corporate counsel who participate in the site-select...

Reduce Your Exposure to Home Burglaries

Tue, 29 Jun 2010 23:04:44 -0500

Reduce Your Exposure to Home Burglaries U.S. residences were burglarized more than 1.5 million times in 2008, according to the latest FBI studies. Nearly 65 percent of the thefts occur during the day because people are often not at home during the weekday. Proper home theft prevention ideas and techniques, however, can reduce the odds of a home burglary. Consider the following loss control techniques to reduce your chances of suffering a home burglary. Invest in a burglar alarm with a centr...

Loss Control Corner - ServSafe Training

Mon, 28 Jun 2010 20:55:53 -0500

ServSafe Training – What is it all about? Grey Cobb Nationwide Insurance Senior Loss Control Representative - Mississippi ServSafe training is a nationally accepted program sponsored by the National Restaurant Association. The training introduces food preparation employees to the basic information they will need to know to serve food safely. The ServSafe program will introduce you to those health related risks and help to reduce general liability claims from occurring with your fo...

Take Active Steps To Reduce Your Flood and Water Damage Risk

Sat, 19 Jun 2010 15:26:43 -0500

This Month's Tip Take Active Steps To Reduce Your Flood and Water Damage Risk Water damage from naturally occurring floods and mechanical breakdowns cause extensive and catastrophic losses to homes every year. But there are numerous ways you can safeguard your home from these losses, including the following. Your home's drainage system should be checked to verify that proper water drainage occurs. For example, gutter downspouts should extend the proper distance from the foundation. Yo...

Hulk Hogan sues insurance broker for 'malpractice'

Thu, 22 Apr 2010 20:31:26 -0500

By Curtis Krueger, Times Staff Writer Published Thursday, April 22, 2010 Professional wrestler Hulk Hogan is suing his insurance broker, saying the company did not provide him an umbrella policy that would have protected his net worth after the accident that injured his son's friend, John Graziano. Hogan, who lives in Pinellas County, has filed a lawsuit against Wells Fargo Insurance Services. Hogan, whose real name is Terry Bollea, had third-party auto liability insurance with a $250,000 limit...

Insurance Tips for Homeowners

Wed, 21 Apr 2010 21:48:53 -0500

With insurance premiums for homeowners policies rapidly escalating, Robin Olson provides tips to save premium dollars and reduce losses. by Robin Olson IRMI Many consumers have faced rapidly escalating insurance premiums on their homeowners insurance during the last few years. In some cases, consumers have experienced difficulty in procuring insurance, particularly people with several claims. Many consumers believe that they are powerless when it comes to these situations. However, there are num...

Tips on deciding between new car financing offer or cash back

Wed, 14 Apr 2010 21:48:43 -0500

Tips on deciding between new car financing offer or cash back When purchasing a new car, you may be faced with the decision of a low financing rate or cash back. Which should you choose? Unfortunately you probably have to crunch the numbers to get the answer. The average rate on auto loans is 6.66% (according to bankrate.com). Suppose your local dealer is offering a choice between 1.9% financing on a 48-month loan or $2,000 in cash. To get the dealer incentives, you'll have to put $1,...

How to choose the right auto insurance agent & carrier

Wed, 14 Apr 2010 20:00:21 -0500

How to choose the right auto insurance agent & carrier When buying auto insurance, it's important to consider not only the price, but also the agent, the carrier and the coverage. Your low premium will quickly be forgotten if you find out that the service or the quality of your policy is not what you expected. You can check out the insurance agent you may be working with at the Kentucky Department of Insurance. You should also look into the insurance carrier itself. Is it a well-k...

What is condo insurance and why do you need it?

Mon, 12 Apr 2010 20:07:00 -0500

What is condo insurance and why do you need it? If you own a condo/townhome or are thinking of buying one, you should understand your insurance coverage. Your homeowner's association will have insurance that covers your unit. But you still need your own insurance. The condominium association insurance covers the condominium building, commonly owned property (covered parking spaces, fencing) and liability insurance for the association. But that insurance doesn't cover losses to your un...

Old guys with Morse code vs Kids with Text Messaging

Thu, 08 Apr 2010 09:20:58 -0500

Old guys with Morse code vs Kids with Text Messaging. Be sure to listen to the message at the end to save a bunch on your car insurance with Hamilton Insurance Group. Call 859-276-1234 today!

Healthcare Is Not A Right

Wed, 24 Mar 2010 21:15:48 -0500

The financial cost of healthcare reform is substantial -- but the cost to personal liberty is incalculable. To read more, click here.

Homeowners Insurance Discounts

Thu, 18 Mar 2010 11:07:29 -0500

Homeowners Insurance Discounts from Nationwide Through Hamilton Insurance Group Save on your homeowners insurance when you qualify for any of the below homeowners insurance discounts. Get a homeowner's insurance quote from Nationwide through Hamilton Insurance Group today! Homeowners and auto insurance discount Combine and save. Get up to a 20% discount on a home insurance policy when you insure your car and home with Nationwide through Hamilton Insurance Group. Protective device discount G...

Announcement from Nationwide Insurance

Sat, 20 Feb 2010 10:40:36 -0600

Nationwide Insurance is currently hiring customer service reps in San Antonio, Amarillo, Des Moines, Columbus, Cleveland and Lynchburg. If anyone in your network is looking for entry level. Candidates may apply at http://nationwide.candidatecare.com .

IMPORTANT NOTICE: Term Life Insurance Rates Are Changing

Thu, 18 Feb 2010 16:00:49 -0600

Insurance regulators have increased the reserve requirements for term life insurance. Consquently, the life insurance industry is battening down its hatches -- and consumers, it turns out, will pay the price. The bad news is term life insurance rates for many insurance companies have gone up. The good news, however, is that you will have until March 8, 2010 to pruchase a term life policy at the current rate from Nationwide Life Insurance Company, through one of their exclusive agencies, the...

Consumer FAQ: Toyota recalls & insurance-related issues

Mon, 15 Feb 2010 11:25:10 -0600

From the Kentucky Department Of Insurance Consumer FAQ: Toyota recalls and insurance-related issues: To learn more about this & other insurance-related issues, contact Tim Hamilton or Monica Landers at (859) 276-1234 or go online at www.timhamiltoninsurance.net or www.nationwide.com/timhamilton. Hamilton Nationwide Insurance Agency, based in Lexington, KY, provides a full range of insurance products, including auto, motorcycle, boat, homeowners, renters, life, & commercial ins...

Types Of Business Insurance

Fri, 08 Jan 2010 16:04:12 -0600

Types of Business Insurance Insurance coverage is available for every conceivable risk your business might face. Cost and amount of coverage of policies vary among insurers. You should discuss your specific business risks and the types of insurance available with your insurance agent or broker. Our agency can advise you on the exact types of insurance you should consider purchasing. General Liability Insurance Business owners purchase general liability insurance to cover legal hassles due to acc...

A Way To Cut Health Care Costs

Wed, 06 Jan 2010 22:46:32 -0600

Cut Health Care Costs: Merge Workers Comp, Health Care Insurance

2010 Tax Digest

Wed, 06 Jan 2010 09:42:13 -0600

Click here for our 2010 Tax Digest

AARP sells out seniors for big bucks

Tue, 10 Nov 2009 18:18:17 -0600

The AARP claims to be all about representing the interests of seniors, but when it comes to health care reform, they are selling seniors down the river to line their own pockets. Click here to learn more

Potential Way To Cut Unemployment Insurance Rates

Wed, 04 Nov 2009 21:56:17 -0600

Click the link below to learn how it may be possible to cut unemployment insurance rates! http://www.bizactions.com/modules/e/popup_fullarticle.cfm/id/3,2440,1666/

Nationwide and MADD launch new program

Tue, 27 Oct 2009 10:00:20 -0500

Nationwide and MADD launch new program - The Power of Parents: It's Your Influence Nationwide and MADD will be launching the new program, The Power of Parents: It's Your Influence, on Tuesday, Oct. 27, in Washington, D.C. The program will equip parents with the conversation tools they need to talk with their teens at home in an effective way that helps stop underage drinking. For years Nationwide has supported preventing underage drinking with programs such as Nationwide Prom Promise and MADD’...

Why do I need car insurance?

Thu, 22 Oct 2009 18:55:10 -0500

Protecting what matters with Hamilton Nationwide Insurance Agency Why do I need car insurance? By Tim Hamilton, LUTCF Insurance laws vary from state to state, but all states require some type of insurance or proof of financial responsibility. Even though it may seem like an "extra" cost, car insurance protects you, your family and your vehicle if you’re ever in an accident or if your vehicle is damaged. Several factors, including your driving record and insurance history, affe...

Back to School - Part II

Mon, 05 Oct 2009 21:12:37 -0500

October 2009 Newsletter Back to School - Part II Preschool, Daycare & Nursery Safety In our September newsletter, we began a conversation about protecting the youngest members of our congregation by reviewing the day-to-day operations of our insured’s preschool...

Insurance Tips - Auto Accident

Wed, 30 Sep 2009 23:39:25 -0500

Folks let's face it, even the most careful driver can have an accident. If you find yourself in one, follow these tips from the Kentucky Department Of Insurance: If someone is injured, you should call for help immediately. Provide basic first aid but don't move an injured person unless you have medical training. Make note of the time of day, any weather factors that may have contributed to the accident, the position of the cars, etc. Courteously exchange information with the ...

Wildfire Preparedness

Wed, 23 Sep 2009 23:36:56 -0500

Homeowners can take steps to prepare for wildfires and stay safe By Tim Hamilton, LUTCF Wildfire season is upon us and that makes it an important time to make sure your family is prepared. While there are a number of things homeowners can do to protect their homes from wildfires, they should first make sure they are always ready to evacuate. Homeowners need to be prepared to leave town at any time. They should have a few escape routes mapped out and know where to go. But, homeowners don...

I was in a car accident, what now?

Sat, 12 Sep 2009 23:34:00 -0500

Protecting what matters with Nationwide® I was in a car accident, what now? By Tim Hamilton, LUTCF You are driving. The radio is on. Everything is great in your world. Suddenly, you are distracted by the ringing of your cell phone. In only seconds, a good day turns into a nightmare. You are in a car crash. If you’re involved in an accident, first make sure you and everyone in your car is not injured. Next, check on the passengers in the other vehicle; or, if necessary, make ce...

Back to School - Part I

Tue, 01 Sep 2009 14:13:12 -0500

Back to School - Part I Preschool, Daycare & Nursery Safety Whether a religious organization operates a preschool, daycare or simply provides nursery care during its services, caring for and keeping the youngest members of a congregation safe is of utmost importance. In this two-part series, we will provide simple suggestions to consider while reviewing the day-to-day operations of a preschool, daycare or nursery. Insurance, License and Certificates · Does the insured have th...

Rider Knowledge: 5 tips for choosing ATV insurance

Sat, 29 Aug 2009 15:40:07 -0500

Rider knowledge: Nationwide offers 5 tips for choosing ATV insurance By Tim Hamilton As summer turns to fall, many ATV enthusiasts are enjoying time on their favorite trails. The experts at Nationwide remind owners to make sure their insurance coverage is in gear before heading out for a ride. “Over the past decade the popularity of ATVs has grown, with over seven million currently in use. Whether you’re riding a sport or utility ATV, its imperative that you protect your quad with ...

Online Flood Cost Calculator

Fri, 14 Aug 2009 18:21:21 -0500

Do you know how much a flood can cost? The website below provides an interactive illustration of approximately how much a flood can cost depending on the amount of water. Try it out for yourself to understand the importance of flood insurance coverage: Click on the following link or copy and paste this address into your web browser: http://www.floodsmart.gov/floodsmart/flash/flood_my_house_external.swf Questions about Flood Insurance? Contact Tim Hamilton or Monica Landers at 859-...

Rider Knowledge: 5 tips for choosing ATV insurance

Sat, 08 Aug 2009 14:44:01 -0500

Rider knowledge: Nationwide offers 5 tips for choosing ATV insurance By Tim Hamilton, LUTCF As summer turns to fall, many ATV enthusiasts are enjoying time on their favorite trails. The experts at Nationwide remind owners to make sure their insurance coverage is in gear before heading out for a ride. “Over the past decade the popularity of ATVs has grown, with over seven million currently in use. Whether you’re riding a sport or utility ATV, its imperative that you protec...

Distracted drivers fuel need for defensive riding

Fri, 31 Jul 2009 21:43:42 -0500

Nationwide® Insurance survey: Distracted drivers fuel need for defensive riding By Tim Hamilton, LUTCF Findings in the Nationwide Insurance Driving While Distracted survey highlight the need for motorcyclists to ride defensively. While 98 percent of Americans claim to be safe drivers, 72 percent of all drivers admit to partaking in some form of distracting behavior while driving, from cell phone use to eating. “Drivers need to be aware of the hazard they pose when they are inatten...

Car Allowance Rebate System (Cash for Clunkers)

Wed, 22 Jul 2009 14:39:39 -0500

In June, 2009, President Obama signed into law the Car Allowance Rebate System (CARS) also known as "Cash for Clunkers". This program, administered by the National Highway Traffic Safety Administration (NHTSA), is designed to increase fuel efficiency and stimulate auto sales. Program Highlights CARS (or the "Cash for Clunkers" program) is designed to increase fuel efficiency and stimulate auto sales. This program will help consumers purchase a new, more fuel efficient vehicle when tradi...

"Zero Premium" Life Insurance Under Investigation

Sun, 19 Jul 2009 22:46:04 -0500

Kentucky Department of Insurance Alert "Zero Premium" Life Insurance Under Investigation The Kentucky Department of Insurance (DOI) has received several inquiries from licensed agents who have received solicitations regarding a "zero premium" life insurance product. Often pitched as a "final expense program," the material sent to agents, generally by fax or e-mail, outlines either a universal or whole life insurance product, typically for consumers who are 65-85 years old. The plan features ...

Startling Number of Americans Guilty of DWD

Fri, 17 Jul 2009 22:36:36 -0500

Nationwide Survey Shows Startling Number of Americans Guilty of DWD Culture of multitasking spreading to the roads, leading many to “Drive While Distracted” Date Released: 07/16/2009 You've seen them in your rear view mirror or in the car next to you. Sometimes they’re putting on makeup while steering with their knees, punching text messages into a phone without ever looking up at the road, or using a BlackBerry to read e-mail with one hand and steering with a cup of coffee in the ot...