Insurance Myths

Like a teenager eager to try a new video game, playing before reading
the rules, many drivers buy car insurance without really understanding what they’re buying.
“In the rush to feel ‘covered,’ drivers can skip the details,” according to Chance Smith with ABC INSURANCE
SRVCS in FARMINGTON whose agency offers coverage from well-known carriers like Progressive.
“That can lead to frustration.”
Smith has uncovered five of the most common car insurance myths and the reality behind them.
Myth: I bought “full coverage” so everything’s paid for.
Reality: There is no such thing as “full coverage.” In most states, only liability insurance is mandatory.
There are a lot of other coverage options out there, so select what you need and can afford based on
your personal situation.
Myth: I need three estimates before my wrecked vehicle can be repaired.
Reality: Not necessarily. Very few insurers actually require this, although some might. If you decide to
use a shop that’s in an insurance company’s “network” of pre-approved shops you may just have to get
an estimate from that shop.
Myth: My insurance premium always increases if I’m involved in an accident.
Reality: It depends. Your rate can increase, decrease or stay the same. The information about your accident
is combined with other information about you, your car and your driving history to determine your
rate.
Myth: If I lend my car to someone and he/she crashes it, I’m covered.
Reality: Not so fast. If you or your friend don’t have optional physical damage coverages, damage to
your vehicle generally won’t be covered.
Myth: If I buy a new car, my auto insurance company automatically knows; and my new car is covered.
Reality: No. Most insurance companies require that you notify them or your agent within a specified
number of days. Generally, you have 30 days to add the new vehicle to your policy.
“Insurance can be complicated,” says Smith. “It’s not something people deal with every day, but your lo-
cal independent insurance agent can help you stay informed so that you can make more informed decisions.”
ABC INSURANCE SRVCS, in business since 1999, is located at 3501 E MAIN, STE E. Independent
agent Chance Smith provides expert advice and personal service and can be reached at 505-324-8521
or at chance@nmcarins.com.

6 Things to Do to Your Home

Many people have older homes.  These home often need a little TLC.  Have a look at the following list of things that you may need to have a look at.

First: Steel plumbing pipes can clog from internal rusting. Replace them before they burst or reduce your water pressure.

Second: Inspect the roof every six months. Replace or repair worn or cracked shingles immediately. If the roof is more than 20 years old and most shingles are worn or damaged, it’s time to replace it.

Third: If your home has knob and tube electrical wiring, replace it with a safer, modern system with a new electric panel and house wiring.

Fourth: If central air isn’t an option, consider installing a large ventilation fan or whole-house fan in the attic. The fan can bring in a breeze through the open windows in the house.

Fifth: If your home has an old boiler system, replace with a modern, efficient furnace for energy savings.

Sixth: Older homes need special attention. Watch for five tips on how to keep your older home going strong.

Growing Perennials

Unlike annual plants, which must be replanted each spring, perennials grow from the same roots year after year. Though most flowering perennials are dependable and easy to care for, they still require some maintenance. Watch for six important steps to ensure a healthy and beautiful garden.

Divide. Most perennials need to be divided every few years during early spring or late fall. Click here to learn how to properly divide plants.

Stake. Tall or weak-stemmed plants need support when they reach blooming size. Try bamboo canes for individual stems and wire support rings for entire plants.

Deadhead. Remove dead flowers to keep plants looking their best, stimulate reblooming, and prevent plants from expending their energy on seed production.

Mulch. Add some shredded bark, dry grass clippings or torn leaves to keep weeds at a minimum and help retain moisture in the soil. This is especially important for newer gardens or those more sparsely planted.

Water. The amount your perennial requires depends on where you live. If your summers are very dry and you do need to water, try to water deeply and avoid soaking the foliage.

Fertilize. Scratch in a handful of fertilizer around each plant once a year. In addition, an annual application of aged manure or finished compost will improve soil texture and water retention

Flood Electrical Safety Tips

Flooding can pose many serious threats to you and your family. Among those threats is the risk of injury due to electrical shock. Follow these electrical safety tips to stay safe if flooding occurs in or around your home.

Flood Electrical Safety Tip #1: Stay out of any area where you hear popping or crackling, or where you see sparks.

Flood Electrical Safety Tip #2: Stay away from any electrical devices or appliances that have water around them.

Flood Electrical Safety Tip #3: If it looks like your electrical box or meter might become submerged in water, call your utility company immediately.

Flood Electrical Safety Tip#4: Avoid your basement and any rooms where water covers cords that are plugged in or electrical outlets.

Fourth of July Safety

Safe Celebration: A surprising number of people are treated in emergency rooms for injuries related to fireworks. The Centers for Disease Control and Prevention lists an estimated 7,000 reported injuries in 2008.

Safe Celebration Tip 1: Read and follow all firework warnings and instructions.

Safe Celebration Tip 2: Only light fireworks on a smooth, flat surface safely away from people and any flammable items.

Safe Celebration Tip 3: When lighting fireworks, be aware of any brush or dry grass that may ignite from sparks.

Safe Celebration Tip 4: Whether you have your own fireworks show or watch a professional display, enjoy the holiday.

Thunderstorms

The following is a copy of advise provided by the FEMA regarding thunderstorms:

What to Do Before a Thunderstorm
To prepare for a thunderstorm, you should do the following:

Remove dead or rotting trees and branches that could fall and cause injury or damage during a severe thunderstorm.

“If thunder roars, go indoors” because no place outside is safe when lightning is in the area. We want everyone to stay indoors until 30 minutes have passed after they hear the last clap of thunder.
Summary of Lightning Safety Tips for Inside the Home

Avoid contact with corded phones

Avoid contact with electrical equipment or cords. If you plan to unplug any electronic equipment, do so well before the storm arrives.

Avoid contact with plumbing. Do not wash your hands, do not take a shower, do not wash dishes, and do not do laundry.

Stay away from windows and doors, and stay off porches.

Do not lie on concrete floors and do not lean against concrete walls.
The following are guidelines for what you should do if a thunderstorm is likely in your area:

Postpone outdoor activities.

Get inside a home, building, or hard top automobile (not a convertible). Although you may be injured if lightning strikes your car, you are much safer inside a vehicle than outside.

Remember, rubber-soled shoes and rubber tires provide NO protection from lightning. However, the steel frame of a hard-topped vehicle provides increased protection if you are not touching metal.

Secure outdoor objects that could blow away or cause damage.

Shutter windows and secure outside doors. If shutters are not available, close window blinds, shades, or curtains.

Avoid showering or bathing. Plumbing and bathroom fixtures can conduct electricity.

Use a corded telephone only for emergencies. Cordless and cellular telephones are safe to use.

Unplug appliances and other electrical items such as computers and turn off air conditioners. Power surges from lightning can cause serious damage.

Use your battery-operated NOAA Weather Radio for updates from local officials.
Avoid the following:

Natural lightning rods such as a tall, isolated tree in an open area.

Hilltops, open fields, the beach, or a boat on the water.

Isolated sheds or other small structures in open areas.

Anything metal—tractors, farm equipment, motorcycles, golf carts, golf clubs, and bicycles.

You can view the article at: http://www.fema.gov/hazard/thunderstorm/th_before.shtm