Category Archives: Business Insurance

Don’t Drive Angry

Why can’t we all just get along?

Many of us have had to deal with aggressively impolite drivers – people who tailgate, cut you off, lay on their horns and make inappropriate hand gestures as they speed past you in an expression of displeasure for whatever inconvenience they perceive that you’ve caused them.

“Displays of aggression on the road are becoming an all-too-common occurrence,” says Stephanie Behnke, claims innovation director for Mercury Insurance. “People who engage in these driving behaviors aren’t focused on the wellbeing of others – they don’t stop to think about how dangerous their actions are and that they’re putting themselves and those around them in danger.”

More people on the roads = aggression

fatal crashes driversAggressive driving has become more prevalent as the population and number of licensed drivers grows and traffic congestion continues to increase. According to a report compiled on aggressive driving by the Transportation Research Board of the National Academics for the National Cooperative Highway Research Program (NCHRP), aggressive driving is a rampant problem that contributes to an estimated 56 percent of all fatal crashes.

So what exactly is “aggressive” driving?

The National Highway Traffic Safety Administration (NHTSA) defines aggressive driving as “a combination of moving traffic offenses so as to endanger other persons or property.” Moving traffic offenses include:

  • Speeding
  • Unsafe lane changes or passing on the right
  • Following too closely
  • Failure to yield
  • Disregard of traffic control devices
  • Reckless driving
  • Failure to signal.

Two or more of these actions coupled together are considered a display of aggressive driving.

According to a 2013 report issued by NHTSA, aggressive driving continues to play a substantial role in traffic accidents. In fact, 67 percent of people surveyed in another NHTSA study on dangerous driving felt that their safety was threatened by other drivers.

Road rage

safety threatened driversWhile aggressive driving is a traffic offense, road rage – which NHTSA defines as the assault of a fellow motorist or their passengers with a vehicle or weapon – is a criminal offense. Fifteen states have passed laws to discourage aggressive driving and road rage:  Arizona, California, Delaware, Florida, Georgia, Indiana, Maryland, Nevada, New Jersey, North Carolina, Pennsylvania, Rhode Island, Utah, Vermont and Virginia.

Seven of these states have specific provisions regarding harassment, intimidation, the creation of hazards, general lack of concern for the safety of others and the intent to injure other motorists. One state – Indiana – includes a clause about the unnecessary or excessive use of horns.

“Unfortunately, we can’t control the actions and reactions of other drivers,” Behnke said. “But, what we can do is meet road rage with anti-rage. Keeping your cool and ignoring the rude behaviors of others can help curb road rage and reduce risk, diffusing otherwise volatile traffic situations.”

The golden rule of driving

The NCHRP report mentions that frustration contributes to aggressive driving behavior. Drivers who experience frustration are more likely to project elevated levels of aggression triggered by contextual factors, such as the driver’s psychological disposition and traveling environment.

Practicing common courtesy on the road can go a long way. Instead of feeding into the rage of others, try implementing the golden rule: treat other drivers the way you would like to be treated. Resist the urge to honk your horn or brake check tailgaters, obey traffic laws and remain courteous when faced with angry motorists.

“National Courtesy Month is a great way to encourage people to think of others as they go about their daily lives,” Behnke said. “If you drive, you will encounter traffic and bad drivers, but rather than letting it get to you, try taking a deep breath and thinking about getting home safely to your family. It tends to put things in perspective.”

Practice anti-rage

Put your best foot forward and practice some of these anti-rage techniques when on the road:

  • Be mindful of those around you. Be considerate of other drivers, obey traffic laws and don’t switch lanes without using a turn signal. Check your blind spots and avoid cutting people off.
  • Think before you act. Before honking your horn or making a rude gesture in traffic, snuff the reaction. You never know the mentality of other drivers and these actions can escalate an otherwise harmless situation into a dangerous game of roadway retaliation.
  • Don’t brake check tailgaters. Brake checking other vehicles can lead to accidents. Be patient and move over to let the tailgater pass.
  • Don’t challenge other drivers on the road. Be courteous and allow merging cars into your lane. Don’t engage in speed wars or attempt to race other drivers.
  • Avoid aggressive drivers when possible. Steer clear of aggressive drivers on the road. Give them distance and don’t get in their path of travel.
  • Don’t talk on your cell phone while driving. Aside from the fact that this is illegal in many states, it takes your attention off of the road and may upset the drivers with whom you share the road.
  • Report aggressive drivers. If you feel that a driver is a threat to others on the road, take down their license plate number and call 911 to report them to the local authorities.

These tactics can help you avoid collisions while you’re on the road, but there are times when accidents are simply out of your control. Even courteous drivers can find themselves dealing with a fender bender on the roadside. Familiarize yourself with your insurance company’s claims process, so you’re prepared and know what to do in the event of an accident.

An A to Z Guide to Auto Insurance

A to Z

Auto Insurance: What You Should Know

 If you drive a car chances are you carry some level of auto insurance. If you don’t, then you better get it quick, because it’s the law in most states. But how do you choose the right company and coverage? You should start by doing a little homework so you know what you’re buying when you begin shopping.

Auto insurance can be pretty complicated and it can be difficult to understand if you don’t know the basics, so we’ve tried to highlight a few things you should consider when searching for auto insurance.

Auto Insurance –An auto insurance policy is an agreement between you, the insured, and an insurance company to help protect your financial assets if a covered loss occurs. A loss may include damage to your vehicle, liability for damage caused to another vehicle or individual, theft, medical, rental car, etc., depending on your coverage selections.

 Bodily Injury Liability (BI) – Bodily injury liability coverage pays for injuries to other people, within the policy limits you selected, of course.  This may include drivers and passengers in another vehicle, pedestrians and, in some cases, passengers in your vehicle, when the insured vehicle’s driver is legally at fault. It does not cover injuries you may have personally sustained in the accident. Bodily injury is often used to pay for medical bills, lost wages and pain and suffering.

 Collision Coverage – Collision coverage pays for damage to your vehicle – or provides you with a settlement that could allow you to replace the vehicle in the event of a total loss – if it collides with another vehicle or object (e.g., potholes, speed bumps, poles, etc.), regardless of fault. Typically, you must first pay a deductible, an amount for which you’ve agreed to be responsible before insurance pays – usually ranging from $100-$1,000.

Comprehensive Coverage – Comprehensive coverage pays for damage to your vehicle that occurs in a non-collision situation, including damage from wind, flooding, fire, hail, vandalism or theft. As with collision coverage, you must generally pay a deductible before your insurance company offers financial assistance towards repair or replacement costs.

Deductible – The amount you must pay out-of-pocket for damages before your insurance policy will pay an insurance claim is your deductible. If you have a $100 deductible, for example, and your car sustains $1,000 worth of damage, you must pay $100 before your insurer pays the remaining $900. Deductibles are most often found in amounts of $100, $250, $500 and $1,000, but may vary from state to state or by carrier. Also note that the amount of your deductible is inversely related to the amount of your insurance premium. Plainly stated, the more money you’re willing to pay out-of-pocket towards your repairs, the lower your insurance premium will be and vice versa.

Electronic Proof of Insurance – Uh oh, you’ve just been pulled over and, as the officer approaches your car, you realize you never put your new insurance cards in your glove box. Electronic proof of insurance allows you to display your insurance card to the officer on your smartphone. Before you get excited (not that you’d ever get pulled over, right?) check if your state has adopted this law and, as a backup, be sure to always keep a hard copy in the car in case your phone decides to die or freeze at an inconvenient time. Mercury offers customers the ability to save a digital copy of their I.D. cards when they establish an electronic account on the company’s website.

 Filing a Claim – The unthinkable has happened and you’ve gotten into an  accident or your car has been stolen. These aren’t the only circumstances for which you might file a claim, but they are certainly some of the most common. Try to gather as much information as possible at the scene. Notify the police immediately and file a police report. Collect contact information from everyone involved, including witnesses. Document and photograph the damage and the scene, and contact your insurance company immediately. You can use your phone to take pictures of the other party’s driver license and insurance I.D. card. These items will contain most of the information you will need to file a claim, but don’t forget to also get a phone number.

 Discounts – Everybody loves to get a discount! Most auto insurance commercials talk about discounts that can help you save money, but do they? Sometimes yes…sometimes no. Just because you get a discount doesn’t necessarily mean you’ll be saving money. Look at the total cost, not the discount. You may notice that some companies start with really high rates and then pile on the discounts to make it seem like you’re saving money. When you compare final rates, however, you may notice the company that didn’t have big discounts is a lot cheaper.

It never hurts to ask, though, because it all adds up. Some of the more popular discounts include the following: Good driver, good student, multi-car, and one of the best is the discount you can get when you insure both your auto and home together. Mercury offers up to 15% off when you buy both, which can save you a lot!

 Liability Coverage – This is not an option in most states. The law says you must have liability coverage, but what is it? Simply put…if the insured vehicle is involved in a covered, at-fault accident, liability insurance is what pays for the property damage (vehicles and property like lampposts and fire hydrants) and bodily injury damages (medical expenses, pain and suffering and lost wages) for the other people involved. Most states require that you carry some level of liability insurance. However, there are a handful of states where you can drive without a motor vehicle liability insurance policy…if you can prove you’re financially able to pay the liability costs in the event of a collision. All insurance policies have exclusions and conditions, so make sure to review your policy carefully with your agent so you know what’s covered and what isn’t.

Medical Payment Coverage – If you’re injured in an auto accident, this coverage will pay your reasonable and necessary medical expenses regardless of who is at fault for the accident (up to your policy’s limits).

 Premium – The price you pay for your insurance policy. It’s typically charged monthly, semi-annually or annually. Some insurance companies will offer insurance discounts if you pay your premium all at once instead of in monthly installments or if you have your payments automatically deducted from your bank account.

 Property Damage Liability (PD) – Covers you if your car damages someone else’s property. It mainly applies to damage caused to another person’s vehicle, but can also apply to fences, shrubbery, trees, light poles, houses and other property. This does not cover damage to your own vehicle.

 Rental Reimbursement – Rental reimbursement is an optional auto insurance benefit. If your car is damaged and the cost to repair it is more than your deductible, this coverage pays for a rental car, usually with per-day or per-accident limits. This benefit is only available; however, if you selected this coverage and the accident is a covered loss.

 Roadside Assistance – Did your car break down on the side of the road? As the name implies, roadside assistance comes to your aid. It is often available as an additional coverage option from your insurance company. For example, Mercury offers this coverage at a cost of less than a quarter a day. It covers a variety of services, up to the policy limit, including towing, reimbursement for expenses if you’ve locked your keys in your car, need a flat tire changed, etc. Roadside Assistance is another optional coverage, so be sure to talk to your agent about adding this coverage if you need it.

 State Laws – Every state has different requirements regarding insurance, including the minimum amount of insurance coverage you need to carry. You can learn more about your individual state’s insurance requirements by visiting the insurance commissioner’s website.

 Tort (PIP) Insurance – The Tort system, which operates in 38 states, makes the driver who causes an accident responsible for paying for damage to the victim’s property and medical bills, pain and suffering, and lost wages. The other 12 states use some form of no-fault insurance coverage. Kentucky, New Jersey and Pennsylvania allow residents to choose between limited-tort and full-tort insurance when seeking insurance policies. If you’re the victim of an accident in one of those states and you opted for limited tort coverage, this means that you give up the right to seek damages for pain and suffering, whereas full tort coverage allows you to seek compensation for whatever you think you’re owed.

Uninsured/Underinsured Motorist Bodily Injury Coverage – Uninsured Motorist Bodily Injury Coverage pays for injuries to you and other people in your vehicle, within the policy limits you selected, when the loss is caused by an uninsured driver. Underinsured Motorist Bodily Injury coverage may apply if the person who caused the accident doesn’t have enough liability insurance to fully compensate you and your passengers for injury claims.*

 Uninsured Motorist Property Damage Coverage/Collision Deductible Waiver – Uninsured Motorist Property Damage Coverage will compensate you, up to the policy limit, for damages to your vehicle caused by an identified uninsured motorist.  Collision Deductible Waiver will pay your deductible if your covered vehicle is damaged by an identified uninsured motorist.*

*  In some states these coverages may be combined into one coverage.  Please check with your local insurance agent to learn about different options.

There’s no “one size fits all” insurance policy so your best bet is to do some research and speak to a local insurance agent about your specific needs.

Commercial Liability Insurance Policies

There are many types of liability insurance that a business owner is required to maintain to protect themselves from unnecessary risk.

Some Major Types of Liability Insurance

  • General Liability Insurance. General liability insurance is the main type of insurance that most companies will acquire, and protects against many types of potential liability.
  • Product Liability Insurance. Essential for companies that create products, product liability insurance protects against product defects or manufacturing errors.
  • Cyber Liability Insurance. A new type of insurance, cyber liability and data breach insurance protects against issues that could occur online and with electronic data.
  • Employment Practices Liability Insurance. Critical for companies that hire many employees, employment practices insurance can protect against issues of discrimination or related employee disputes.

For more information about this business insurance topic and other commercial liability insurance information, contact Integrity First Insurance, serving Thousand Oaks and Conejo Valley in California.

Mercury 50 Year Anniversary

Mercury Insurance Group is celebrating its 50 year anniversary. Mercury Insurance Group began in 1962 and still believes in the old-fashioned concepts of integrity, hard work and dedication. Mercury Insurance believes that the customer always needs to come first, and the founder of the company has stated that it is very important to him that his customers are always taken care of no matter how many years pass and how the insurance industry changes. The founder of Mercury Insurance, George Joseph, believes that Mercury Insurance Group can establish personal relationships with the help of their exceptional staff of agents.

The company cuts back on nonessential items of overhead so that they can offer the best possible prices to their customers. The company has been named four times as one of Forbes’ America’s Most Trustworthy Companies. They believe that a personal touch is very important in all business dealings. They also believe that while technology is a wonderful boon to society today, it is not a replacement for personal care. The company believes that this individual service and their low overheads have contributed to their success.

For more information about Mercury Insurance Group and the Mercury 50 Year Anniversary contact Integrity First Insurance or watch this video on YouTube.

Integrity First Has Been Awarded Service Excellence Certification

Integrity First Insurance has been awarded a Service Excellence Certification based on the Company Customer Astonishment Program. Integrity First Insurance is dedicated to making sure that their customers are always taken care of and are always satisfied. Integrity First Insurance company has been saving their customers money since 1981 and offers many types of insurance product for the protection of their customers.

Integrity First Insurance agents search through all the possible insurance offerings for a client to ensure that they get the best possible insurance offerings. This includes auto insurance, health insurance, property insurance, boat insurance and life insurance. Integrity First Insurance services the entire state of California. Integrity First Insurance can also offer businesses many types of property and liability insurance. Integrity First Insurance offers unparalleled customer care options including an online web portal that allows them to manage insurance information effectively online. There are also many discount programs available for the bundling of different insurance packages. Free quotes are available for many types of insurance so that customers can find out in detail the options available to them for the coverage they need.

For more information about insurance, especially in the area of California, contact Integrity First Insurance today.

Mercury Named One of ‘America’s Most Trustworthy Companies’ by Forbes

Forbes Magazine has, for the fourth time, bestowed upon Mercury Insurance the title of one of “America’s Most Trustworthy Companies.” Mercury provides homeowner and auto insurance through 6700 independent insurance agents in 13 states. Integrity First Insurance is your Authorized Mercury Agent serving all of California.

Mercury Insurance is celebrating its 50th anniversary. According to Mercury CEO, Gabe Tirador, the company has always strived to supply low-cost insurance with the best customer service. Developing personal relationships with the company or individual agents are the basis for creating trust. This was true fifty years ago and it still holds true today.

According to the Mercury News article, Forbes used GMI Ratings to analyze 8000 companies traded on the U.S. Stock Exchange to narrow the field to 100 honorees in three different categories. Solid corporate management and transparent conservative accounting principals were among the valuations that GMI used to determine their choices.

Mercury Insurance deeply appreciates this tribute from Forbes. George Joseph, Mercury’s chairman and founder, says he has dedicated his whole career life to the insurance industry. The 90-year-old still works a 5-day week. He says he founded Mercury to provide low-cost insurance for a wide variety of customers and that is still the basis of their success.

Isn’t that the type of company you want to deal with? Your California Authorized Mercury Agent is Integrity First Insurance. Make an appointment to discuss your insurance needs today.