Oh, The Joys of Technology

Written By Charlotte Insurance on February 28, 2012. It has 0 comments.

A proposed bill in Califonia may allow auto insurance policyholders to provide proof of coverage verification via a mobile electronic device, such as a smartphone, which is among several similar bills in a number of states in various stages of passage.

Assembly Bill 1708, created by Assemblyman Mike Gatto, D-Silver Lake, would enable a person required to provide evidence of financial responsibility to do so by using a mobile electronic device, according to the bill’s verbage. Gatto introduced his bill earlier this week.

A similar bill in Idaho, Senate Bill 1319, passed out of the Senate Transportation Committee unanimously on Thursday, and Arizona, Maryland and Mississippi are among states with bills making their way through those respective legislatures that would enable motorists to display insurance information in electronic format.

The Property Casualty Insurers Association of America is one group that’s sponsoring or supporting bills to enable motorists to display proof of insurance in electronic format in several states, according to Nicole Mahrt Ganley, PCIAA’s director of public affairs for the western region.

“This is something we’ve discussed in our auto policy committees, and our members are supportive of it,” Ganley said.

But Ganely said that while PCIAA supports the intent of Gatto’s bill, they have concerns with its language.

Gatto’s bill would amend sections of California’s insurance and its vehicle codes. The bill states:

“Notwithstanding any other provision of law, any insurer issuing policies of automobile liability insurance or motor vehicle liability insurance shall, upon request of either the named insured or the Department of Motor Vehicles, promptly issue to that person or the department written verification as to the existence of that coverage, and issue, upon the request of the insured, verification as to the existence of that coverage, to a mobile electronic device.”

The bill would also amend Section 16028 of the vehicle code to read: “The evidence of financial responsibility may be provided using a mobile electronic device.”

Despite the bill’s wording, Gatto said the intent of his bill is not to force insurance companies to participate.

“This is not a mandate,” he told Insurance Journal. “It’s not designed to be a mandate.”

Gatto said the bill amends part of the insurance code that contains mandates, making his amendment sound like it’s a mandate, but “this is just designed to be an option.”

The only mandate in his bill is that police who pull over motorists must accept a proof of insurance in an electronic form.

The impetus behind the bill is to eliminate the hassle of carrying around, and looking around for, proof of insurance on slips of paper, which policyholders get anew every year, or every quarter.

“Most people today, their whole life is on their cell phone and their laptop,” Gatto said. “They have a paperless life…they just feel this is a total hassle to keep this paper in their car.”

Gatto said he’s been pulled over and had in his possession the wrong quarter’s proof of insurance card, rendering him unable to show proof of current auto insurance.

“This just would make it a lot easier for folks,” he said, adding that even those who continue to receive proof of insurance in paper form would have the option under his bill to scan the paper and put the document in a PDF or JPG format on their phone.

“And that would be OK,” he added.

The bill is currently in Assembly, and may be heard in committee on March 17.

7 Ways to Keep Burglars Away form your Business

Written By Charlotte Insurance on February 27, 2012. It has 0 comments.

As a business owner, you are responsible for what happens at your place of business during the day and after hours. Just because you are not around does not mean your business will not be facing risks! Some of the greater risks usually happen after hours, meaning break-ins and burglaries. Our South Carolina insurance agency has a few tips that may help keep a target off of your place of business.Here are a few tips to keep in mind:

  • Exterior and interior lighting are crucial! A well-lit place of business is more likely to keep vandals away than a business that is completely left in the dark.
  • Always lock up all windows and doors before heading out for the night. Deadbolts should be used where needed.
  • Make sure you have a reliable alarm system set up. Whether it is a silent alarm or blaring one, it should notify the police once it has been set off.
  • Make sure your commercial property insurance is ready for the worst case scenario, whether that is a loss of inventory or damages from a break-in.
  • Have security cameras set up at all major entrance-ways. Cameras can serve as a second pair of eyes when you are not around.

While these tips may help prevent business burglary and crime, that does not mean you are 100% safe. It is best to have the proper South Carolina insurance in place. Besides protecting your building and property, business insurance can also protect your employees, liability, commercial vehicles and much more. Be sure to grab a free business insurance quote from us at Charlotte Insurance today!

Our South Carolina Insurance Agency Celebrates American Heart Month!

Written By Charlotte Insurance on February 21, 2012. It has 0 comments.

Cardiovascular disease is the leading cause of death in the United States. Because of this, February has been named American Heart Month! This month, our South Carolina insurance agency would like to speak about the urgency of this disease and bring awareness to this growing health concern. Not only is these disease deadly, but it is also beyond expensive. In 2010, cardiovascular disease cost the nation more than $444 billion in health care expenses. High hospitalization costs are just another reason for residents to look into health insurance.

Protecting yourself from expensive medical bills is important, but even more important is protecting your heart from this disease. Here are a few ways you can do so:

  • Engage in at least 30 minutes of exercise each day.
  • Avoid foods filled with saturated and trans fats.
  • Avoid foods with a high sodium level.
  • Eat high fiber-foods such as fruit, vegetables, grains and more.
  • Keep an eye on portion sizes. Weight gain may lead to heart disease.
  • Drink alcohol in moderation.
  • Find an activity that can help manage your stress levels, whether it is painting or doing yoga.
  • If you are a smoker, your risk of heart disease increases. Time to put out the cigarette!
  • Seeing your doctor at least once a year is enough to stay on top of changes in your health.
  • Embrace good fat. Omega-3 fatty acids are found in olive oil and fish.

The sad truth is the fact that no disease will ever be 100% preventable. However, there are always healthy habits that may help slash your risk. Make a habit out of these few tips and watch your overall health improve!

If you are concerned about your coverage, have no fear. With our health insurance, residents will not have to fear visiting their doctor and receiving the medical attention they need. A typical policy will cover: doctor visits, prescriptions, medical testing, specialized care, surgical procedures and more. Be sure to speak with our South Carolina insurance agency about this policy and grab a free quote!

Stay covered and keep your ticker going strong!

South Carolina Insurance can be Designed to Cover your Jewelry!

Written By Charlotte Insurance on February 13, 2012. It has 0 comments.

Valentine’s Day has finally arrived! Did you go with chocolate this year or fine jewelry? Either way, we are sure your loved one is going to love their V-Day surprise. However, for those who DID go with fine jewelry: did you cover the valuable? South Carolina insurance can easily be designed to cover your new purchase!

Your loved one is sure to be in love with their gift- can you imagine if something happened to it? They would be heartbroken! Fine jewelry that is expensive and sentimental should always be protected with jewelry insurance.

What will jewelry insurance cover?

This policy can cover loss, theft or damages. However, it is best to go over the coverage you choose just to make sure; every policy is different.

How can you get jewelry insurance?

If you are a homeowner or renter, jewelry insurance can be added onto your plan as a supplemental policy.

If you enjoyed making your loved one happy with such a beautiful gift, it would be a shame to see something bad happen to it. Whether you have purchased an engagement ring or just a beautiful necklace, jewelry insurance should be a priority. Be sure to speak with one of our South Carolina insurance agent’s about this supplemental policy! We would LOVE to help!

North Caroline Insurance Agency Tips: Prepare for a Puppy!

Written By Charlotte Insurance on February 6, 2012. It has 0 comments.

Have you decided to bring a furry friend into your home? The joy of a new puppy is overwhelming! However, before you pick up the little guy and take him into your home, it is crucial to prepare. There is a lot to be done prior to their arrival! Luckily, our North Carolina insurance agency has a few tips to offer, from purchasing puppy necessities to animal liability coverage.

  • Make sure you hide any cords in your home that a puppy can sink its teeth into.
  • Make sure your floor is cleaned and all small, choke-able items are picked up. The same goes for your yard!
  • Ask around in order to find a reliable veterinarian.
  • Make sure you buy a crate in order to crate train your puppy.
  • Designate an area outdoors for your puppy to do their business.
  • Puppies accessories are a must! Toys, bones, collars, leash, food and water bowls, etc.
  • Make sure your home insurance policy is updated. You may need an animal liability insurance policy for the rambunctious puppy years.
  • If need be, purchase a few baby gates to keep your puppy out of risky rooms.
  • Create a comfy bed for your pup inside their crate.

Now that you are properly prepared, it’s time to go pick up the little guy (or little girl!) Our North Carolina insurance agency hopes that you enjoy the newest addition to your family- and remember, we would love to help you protect them and your home! Choosing animal liability will be able to cover any damages caused by your pet, liability and dog bites. It is much better to be safe than sorry, especially during the puppy stages!