Having worked with insurance companies for the past 15 years, I have been watching the tides turn, so to speak. I am seeing the day of having an �agent� to go to for information and clarification slowly dwindle away. Insurance companies, in an effort to compete financially with each other, have been doing away with the �agent layer� and implementing call centers and websites. I personally find this to be a double edged sword. I realize the younger, tech savvy generation does not want to make time to go see an agent. They would rather be able to logon to a website or make a quick call to get the insurance that they are required to have. This is where I find that it is failing. There is no agent explaining what policy limits, bodily injury, med pay and underinsured/uninsured coverage is and how important it is to have in the event that you are in an accident, injured and/or facing a lawsuit. Many are choosing the rock bottom limits required by law, no med pay or not enough med pay and no un/underinsured coverage. No one is there waiving a red flag saying, �Whoa, you need this!" Unfortunately, for many, when they find out what it all means, it's too late� the accident has already happened and now there's a big mess to deal with and it can be devastating.
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Spring has sprung and with that, thoughts usually turn to the end of the school year and deciding on summer vacation destinations. Are you in the market for a tropical locale with sand and surf or do you prefer to spend some time relaxing lakeside, in a hammock, with a good book? If you�re still considering your options, U.S. News & World Report has ranked the best family summer vacations that may help to jumpstart your travel planning. U.S. News considered family-friendly resorts and hotels, attractions that appeal to kids and easy travel itineraries when determining the rankings. The top 15 destinations are as follows:
Today is the National Day of Prayer, an annual observance held on the first Thursday in May when individuals of all faiths are asked to join together to pray for our nation. I�m sure you�ve heard of it, but do you know how it came to be?
America is a coffee loving country! We drink 102 billion cups of coffee annually or 280.5 million cups per day. That�s a lot of coffee. But Americans aren�t the largest coffee lovers in the world. The largest coffee consuming country is the Netherlands.
Are you or someone you know a frequent talcum powder user? If so, you NEED to read the following!
I was on the West Virginia Secretary of State�s website recently. While on the website, I noticed some interesting tabs. For instance, if you hit the Secretary�s Desk tab, you can read about the history of the Secretaries of States from 1863 to present. I found some interesting facts regarding West Virginia.
About a year and a half ago, my daughter brought home a kitten. I didn�t want this kitten. I KNEW it would end up being mine to take care of after the newness wore off. As a matter of fact, I wouldn�t even call him by his name, Shadow. To me, he was �Cat.�
Hockey, in general, is a game of intensity. It�s fast and it�s rough with a lot of contact between players with maybe a hip check or a punch thrown in, but have you ever noticed how that intensity increases during the playoffs? The action on the ice seems faster, emotions are running high and the level of play seems to skyrocket. The closer you get to the end, the better the games get. And let�s not forget about the fans. They cheer louder and root harder to the point that it seems the arenas are vibrating.
Is there really a need to litter? It bothers me to drive down the road seeing bottles and cans strewn about along with the cardboard boxes and other assorted receptacles that, at one time, housed said bottles and cans.
Research has shown that some 90,000 to 180,000 Americans die each year as a result of preventable medical errors. Patients who are given the wrong medication, are scheduled for unnecessary procedures, or are neglected by health care providers who do not take the time to listen to their patients, lose their lives far too often. The practice of medicine is supposed to be governed by standards of care, and when the standards are not followed, the consequences for American families are devastating.