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Insurance News / 12.02.2016

The doctor says your high blood pressure and cholesterol are likely to result in heart disease, diabetes or cancer and you could die sooner than later unless you adopt a healthy diet. Who’s going to care if you die? More people than you might imagine; your loved ones, countless friends, your employer, customers, vendors and creditors. If you are a business owner, your employees and business partners will feel the loss of a friend as well as a source of their security. Your relationships are both...
Insurance News / 12.02.2016

Such are the protests of some people who don’t recognize that their behavior or actions may be considered harassment for which you or they may be held liable – sexual innuendo, gay-bashing, comments about someone’s age, weight or ethnicity. It takes a vigilant supervisor or owner to understand what’s right and wrong these days as the law continues to evolve when it comes to workplace behavior. Why? “I was just kidding”can become very, very costly. Employment practices liability (EPL) involves sexual harassment, discrimination, retaliation, wrongful termination...
Insurance News / 11.02.2016

When it comes to driving convictions in Maine, the data underscores why the insurance industry charges men more for auto coverage than it does for women. Looking at the most recently available statistics in Maine (2011) on the Bureau of Motor Vehicles web site, young women are half as likely as young men to be convicted of vehicle-related infractions. What kind of violations are we talking about? Here are the top five categories for driving convictions in Maine. 2011 Convictions Under 24 yrs old 25 – 44 years...
Insurance News / 10.02.2016

We all have a different view of insurance in Maine and New Hampshire and when to use it. Something happens, you file an insurance claim. “Hey, I paid my insurance premiums and I want some of that money back for the damage to my house.” It’s a normal reaction. The choice to file a claim, though, can have unintended consequences and long term costs. If you have too many claims, your insurance company could raise your rates or refuse to renew your policy – even for...
Insurance News / 09.02.2016

No matter how much people joke about government, the fact is we generally trust our bureaucracy for objective information, particularly about insurance. A few months back, for example, we wrote a column about annuities, an insurance product that can guarantee buyers a steady stream of income. Of all the links we provided, the link to Maine’s Bureau of Insurance (a consumer guide) was the most often clicked by a margin of 3 to 1. So, what else does the Bureau of Insurance offer when it comes...
Insurance News / 08.02.2016

A traffic incident a few years back brought to light the inherent conflicts between bicyclists riding the roads and drivers. The incident involved a cyclist crossing the bridge through a construction site that had no shoulder or bike lane. The cyclist claimed a driver nearly forced him to go over the bridge railing to avoid serious injury. The driver said he yielded to the cyclist. The confrontation that followed further inflamed the matter but brought much needed awareness about the relationship of bicyclists and drivers...
Insurance News / 07.02.2016

Teenagers happen and you ask yourself, “What were they thinking?” Scientists tell us that the brain does not fully mature until the early twenties and even then, there are no guarantees we’ll always act responsibly. That’s why the stories we tell our parents about our high school and college hijinks AFTER we grow up make us all wonder how any of us survived our youth. We hope our kids never act the same way, but of course, they probably do. Society grants teenagers the privilege of...
Insurance News / 06.02.2016

What color car? You’re getting married? Is it a boy or a girl? You want a four bedroom house? Was he drunk? How big a power boat? What colleges is she visiting? What’s the prognosis? She left you how much? Life comes at us in stages and usually in slow motion. A lot of what we experience is an outcome of planning and hard work. But then again, life can happen in ways we least expect – a health issue, an injury, an accident, a fire....
Insurance News / 05.02.2016

When there’s a hill to climb, don’t think that waiting will make it any smaller. Here in Maine and New Hampshire, the sun’s setting earlier and temps are dipping. It’s getting late in the season to cure the critical repairs that could cause an uncovered insurance loss on your home or business this winter. Uncovered loss? Insurance policies don’t cover damage caused by normal wear and tear such as leaky roofs, dry rot or decaying windows. So what do you need to do now to avoid the...
Insurance News / 04.02.2016

Tales of attempted fraud can be awfully amusing but horribly expensive – like the guy who was collecting insurance benefits for an injury he claimed prevented him from working. The gentleman, however, won a moose hunting lottery permit and his name was published in the newspaper. The insurance company’s fraud unit, having scanned the list, called to congratulate the hunter on his good fortune and offered “guide” services to determine where the “injured” worker would be hunting. The story gets even better from here… Though the...




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