After touting the benefits of telematics to my insureds for the past decade I have gone ahead and signed up and downloaded the app and am earning cash! I would have jumped in sooner but the carrier I have had my insurance with for 25 years did not offer telematics. Telematics is a way for…

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To me summer is still in full swing but to Ellen my wife it’s winding down as her first teachers’ meeting is today! So, it is probably a good time to start thinking about some travel safety tips as students start heading back to school in Northeast Ohio. While safety tips for kindergartners and college…

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Read about a real-life situation involving auto insurance and a young adult driver. Learn why named non-owned auto liability coverage is needed for some young drivers. Every generation is different. One difference I never imagined was that large numbers of kids in any generation would put off obtaining a driver license. For baby boomers, a…

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Learn a few back-to-school commercial automobile liability insurance basics. Read three practical scenarios involving commercial automobile liability insurance. Schools are back in session, and pizza is on the menu. That means more business for some local pizza shops, and more pizza deliveries. Test your knowledge of automobile liability insurance by getting behind the wheel of…

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Learn how parts of the homeowners’ insurance pool are impacting the whole. Read why repetitive weather extremes affect your homeowner’s insurance premium.  Insurance is a big pool of risks. What was once predictable within an acceptable range in the deep end is literally burning up and blowing through risk models, causing noticeable churn in the…

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Schools out for Summer a classic rock song by Alice Cooper shouts about being bored and having no intelligence, while these lyrics may sound harsh today, they are very appropriate when it comes to describing the deadliest driving time for teens. Each year a disproportionate number of teen driving deaths occur between Memorial Day and…

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Every episode of Pinky & the Brain featured the question, “what are we going to do today, Brain?” Always with the retort, “same thing we do every day, Pinky, try to take over the world!” While you may not be trying to take over the world, one thing you should at least be thinking of…

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In the past auto insurance rates were based on factors such as the drivers age, your driving history (based on your motor vehicle report MVR) location and your insurance score (a credit-based tool used to assess risk). Insurtech has changed that! Usage-based Insurance (UBI) starts with the use of a monitoring device that is typically…

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A couple of easy tips to keep you safe on the road. In less than 2 weeks we will be changing our clocks to Eastern Standard Time in Northeast Ohio, hopefully for the last time. While we fall back and get an extra hour of sleep it means we will be doing more driving in…

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I just wrote about distracted driving in a blog geared towards Artisan Contractors, however with April being Distracted Driving Awareness Month several items bear repeating! According to the National Highway Traffic Safety Administration, in 2020 3,142 lives were lost in crashes involving distracted driving. Drivers between the ages of 16 and 24 have been involved…

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