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By bruners33618, Aug 22 2017 03:07PM

Generally, a personal auto insurance policy isn’t designed to provide you with coverage when you are working as a rideshare driver for companies like Uber® or LyftTM. Foremost® Auto offers a coverage option designed for drivers like you. Our Rideshare coverage option is available in Florida. Talk to your Foremost Independent Agent (Bruner's Insurance Agecy Of Egypt Lake) today to find out more. RIDESHARE COVERAGE FLORIDA FOREMOST AUTO RIDESHARE COVERAGE: With the Foremost Auto Rideshare coverage option you can avoid a potential gap in coverage by extending your personal auto insurance coverage when you are logged in on a company’s rideshare app (like Uber or Lyft) and waiting to be matched with your next rider.

Doesn’t the rideshare company’s insurance policy cover me when I’m working? When you log in to the rideshare company’s app, you could be faced with a coverage gap that could require you to pay for damages out of your own pocket, in the event of a claim.

Doesn’t my personal auto insurance policy cover me when I’m driving for a rideshare company? Many personal auto insurance providers exclude coverage when you are using your vehicle for rideshare purposes.

What does the Foremost Rideshare option cover? Our Rideshare coverage option in Florida extends your personal auto insurance coverage through Rideshare.

Rideshare coverage ends when you accept a ride.

Rideshare coverage again applies after the rider exits your car until you accept your next ride. The Rideshare coverage option is not available for sale online. This brief summary is for illustrative purposes only and is not a policy document. Always review the actual policy for important details on coverages, exclusions, limits, conditions, and terms. Not all products, coverages, and discounts are available in every state. Insurance underwritten by a member of Foremost Insurance Group or the Bristol West Insurance Group. The Foremost and Bristol West companies are part of the Farmers Insurance Group®, 6301 Owensmouth Ave., Woodland Hills, CA 91

By bruners33618, Aug 1 2017 02:25PM

What Factors Determine Auto Insurance Pricing?

Shopping around for car insurance can be confusing. Finding one that best suits your needs (and budget) can be just as intimidating. What you have to realize before you even begin, however, is that while companies often differ in regard to the premiums that they offer to you. There are several factors that will automatically result in you having a higher or lower premium. Here is a list of a few factors that can determine your auto insurance premiums, regardless of which company you go with for your insurance.


Your age, gender, marital status, and where you live can all affect your auto insurance premiums. If you’re under the age of 25, you’re statistically more likely to be in a car crash. Insurance companies will put a higher premium on your policy. However, if you are a student, many insurance companies will offer you a discount. Don’t forget to ask about that if it applies to you.

In terms of gender, this is often tied in with age—specifically, young men tend to be in more crashes compared with young women. However, the opposite is the case for the older cohorts.


Image from morguefile courtesy of finance

Where you call home (or more specifically, where the car will be located) can have a major effect on your premiums. Living in a big city with higher crime rates will put you on the path to pay higher rates. This holds true no matter the company. On the other hand, if you live in a small, quiet town out in the country, statistically you’re more likely to be safe from auto theft or vandalism and thus will likely have a lower premium on your auto insurance.

The Car

The type of car you drive plays a big factor in your rates. How old is your car? What model is it? What are the safety ratings? These things have a big impact on your rates. A car that’s rated as more safe will receive a lower premium than a car that’s rated as less safe. While this seems obvious, many people don’t think of this when car shopping.

Additionally, larger vehicles tend to be safer than smaller vehicles. Thus, they will often receive a lower premium. However, if the engine itself is large compared to the size of the car, then the premium may be increased. This means you, sports car drivers!

Your Driving Record

Are you a good driver? Or have you been in more accidents than you have fingers on your hands? Someone who has never been in an accident will often get a lower premium than someone who has been in several.

These are just some of the ways that insurance companies come up with the premium for your specific insurance policy. Keep in mind, insurance companies often will also offer various discounts, so while you may suffer some “hits” from the factors mentioned above, you might be able to find other ways to save and thus reduce the overall premium for your auto insurance policy.

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.

By bruners33618, Aug 1 2017 02:17PM

According to a recent National Safety Council (NSC) poll,2

distracted driving ranks near the top of traffic safety concerns for drivers – second only to drunken driving. They are right to be

worried. Distracted driving claimed 3,477 lives in 2015 alone.3

As many as 40,000 people died in motor vehicle crashes in 2016 – the most traffic fatalities

in nine years4

– and while that startling statistic encompasses much more than distracted

driving-related incidents, the NSC’s survey insights include the troubling note that 47 percent of

respondents feel comfortable texting either manually or through voice controls while driving.5

While cell phone usage is a major factor in distracted driving incidents, it is by no means the

only one.

What distracts us

Distracted driving is broadly considered to be any activity that takes a driver’s hands off the wheel

of the vehicle, draws eyes away from the road or simply takes the mind to another place.

Overall cognitive distraction can be a bigger risk than physical distraction alone.

The National Highway Traffic Safety Administration (NHTSA) identifies these as examples

of distractions6

that endanger driver, passenger and bystander safety:

Reaching for something or swatting an insect are also common distractions. Distraction can

also be several things at once. For example, “rubbernecking” as you pass a crash not only

takes your eyes away from the road, but also creates mental distractions when asking yourself,

“What happened?”, “Were there any injuries?” and “Do I know those involved?”

Hands-free is not the solution

According to more than 30 scientific research studies and reports, using hands-free devices

is not significantly different from holding a phone in terms of traffic safety,7

regardless of the

legality of one use versus the other. Though hands-free devices may eliminate some physical

distraction, they may not alleviate cognitive distraction. When a person concentrates on a

conversation instead of the road, his or her driving can suffer.

• Texting or talking on a phone

• Eating and drinking

• Talking to passengers

• Grooming

• Reading, including maps

• Using a navigation system

• Watching a video

• Adjusting a radio, or other device

Distracted driving: an avoidable risk

Texting is just one factor in a leading cause of vehicle crashes

Our complacency is killing us.

Americans believe there is nothing

we can do to stop crashes from

happening, but that isn’t true.”

– Deborah A.P. Hersman

National Safety Council

President and CEO.1

Mitigating distraction

Plan calls

Establish times when the driver can pull off the road and be available for communications

(whether by text, email or telephone).

Ignore the phone

Calls cannot always be scheduled. Establish a culture where allowing callers to leave messages

to be returned at the earliest convenience (i.e., when it is safe to do so) is acceptable.

Drive defensively

Defensive driving techniques can provide more time to respond to changing driving conditions.

• Pre-set temperature and radio controls.

• Clear windows of frost, ice, snow or debris before driving.

• Increase following distance (at least four seconds in normal conditions in a sedan and

longer in larger vehicles or adverse conditions).13

• Be aware of what is occurring ahead of the vehicle (scanning 10-15 seconds ahead).14

• In inclement weather, slow down and allow for increased stopping distances and poor visibility.

• Deal with distractions in a safe location, while parked.

What the numbers tell us

• The average person reads a text in

about 4.6 seconds. At 55 mph, a

car travels 80 feet every second.

Reading a text while driving is like

driving the length of a football

field blindfolded.8

• At any given time during daylight

hours in the U.S., upward of

660,000 drivers are using their

phone or texting.9

• There were 3,477 fatalities in

distraction-affected crashes in

2015, an 8.8 percent increase

from 2014.10

• More than 2 in 3 drivers reported

talking on a cell phone while driving

within a one-month period and 1 in

3 say they do so regularly.11

• Drivers using cell phones

(handheld or hands-free) fail

to see up to 50 percent of

their driving environment–

a phenomenon knowns as

“inattention blindness.”12

The information in this publication was compiled from sources believed to be reliable for informational purposes

only. All sample policies and procedures herein should serve as a guideline, which you can use to create your

own policies and procedures. We trust that you will customize these samples to reflect your own operations

and believe that these samples may serve as a helpful platform for this endeavor. Any and all information

contained herein is not intended to constitute advice (particularly not legal advice). Accordingly, persons requiring

advice should consult independent advisors when developing programs and policies. We do not guarantee the

accuracy of this information or any results and further assume no liability in connection with this publication and

sample policies and procedures, including any information, methods or safety suggestions contained herein. We

undertake no obligation to publicly update or revise any of this information, whether to reflect new information,

future developments, events or circumstances or otherwise. Moreover, Zurich reminds you that this cannot

be assumed to contain every acceptable safety and compliance procedure or that additional procedures might

not be appropriate under the circumstances. The subject matter of this publication is not tied to any specific

insurance product nor will adopting these policies and procedures ensure coverage under any insurance policy.

© 2017 Zurich American Insurance Company. All rights reserved.

A1-112004978-B (04/17) 112009378


1299 Zurich Way, Schaumburg, Illinois 60196-1056

800 382 2150


1. National Safety Council. “2016 Motor Vehicle Deaths Estimated to be Highest in Nine Years.” Accessed 13 April 2017.

2. National Safety Council. Driver Safety Public Opinion Poll. February 2017.

3. National Highway Traffic Safety Administration. Distracted Driving home page. Accessed 13 April 2017.

4. National Safety Council. “2016 Motor Vehicle Deaths Estimated to be Highest in Nine Years.”

5. National Safety Council. Driver Safety Public Opinion Poll.

6. National Highway Traffic Safety Administration.

7. National Safety Council. “Understanding the distracted brain: Why driving while using hands-free cell phones is risky behavior.”

April 2012.

8. Occupational Safety and Health Administration. Distracted Driving flyer. 2012.

9. “Driver Electronic Device Use in 2011.” Traffic Safety Facts Research Note. National Highway Traffic Safety Administration. April 2013.

10. National Highway Traffic Safety Administration.

11. AAA Foundation for Traffic Safety. 2016 Traffic Safety Culture Index. February 2017.

12. National Safety Council. “Understanding the distracted brain: Why driving while using hands-free cell phones is risky behavior.”

13. Forman, R. “The Four-second Solution to Rear-end Collisions.” Commercial Carrier Journal.

14. State of California Department of Motor Vehicles website. Accessed 24 April 2017.

By bruners33618, Aug 1 2017 02:11PM

Aging in Place: Does It Make Sense to Plan to Stay at Home?

It’s a common choice to stay in your own home through the later years of life. But does it make sense to age in place, or is assisted living a better option?

According to the Population Reference Bureau, the number of Americans over the age of 65 is expected to more than double by 2060 to over 98 million people. This Silver Tsunami, as it’s been called, brings with it an entire set of challenges, like where older Americans want to spend the last years of their lives. For some, the answer is to age in place – stay in their own homes.

Aging in place is a choice that many older Americans are making, because it’s not only more comfortable, but it seems to make financial sense. However, it’s wise to look at both options – aging in place and moving to an assisted living facility – before making any decisions.

Comparing Options

At first glance, aging in place seems to make the most sense. You stay in your own home, with a few modifications, and continue life as it’s always been. Depending on your current home, however, those modifications can be much more costly than expected. Alert-1 estimates the average annual cost for an assisted living facility in the United States is around $42,600 per year, but the actual cost can fluctuate to more than $100,000 per year, depending on the state you live in.

For example, many homecare agencies charge $25-$35 per hour to assist you. At those rates, it doesn’t take very long for in-home care costs to soar higher than the cost of staying in an assisted living community. A typical assisted living community in the Seattle area, for instance, averages $150-160 per day.

Three Tips for Finding a Certified Aging in Place Specialist

The National Association of Home Builders (NAHB) has created special educational requirements for builders who are capable of building or remodeling homes with mature adults in mind. Certified Aging in Place Specialists (CAPS) may be homebuilders, remodelers or even healthcare workers who are dedicated to helping you remain in a familiar environment during the later years of your life. To find the right CAPS professional, here are three tips to remember:

Use the NAHB’s list of CAPS professionals. CAPS professionals have been trained in the unique needs of older adults through a partnership the NAHB created with several other organizations, including the AARP. Graduates of the CAPS program are listed on the NAHB website.

Ask lots of questions. A CAPS professional will not only look at your home and recommend changes, but they can also address your concerns about aging in place. Ask questions about upgrades, renovations and even professionals who specialize in helping you maintain your lifestyle.

Find a CAPS professional who fits your style. It’s important to seek out the right person to help you plan for your later years. Spend time with a CAPS professional, and if you find your personalities clash, don’t be afraid to find someone else. It’s your future; be comfortable with the person who will help you design it.

Alternatively, aging in place means making changes to the structure of your existing home. In addition, it’s important to consider the cost of having a homecare agency come in later on to help you if, say, you can’t move around your house easily.

To prepare your home for the aging process, you can make some simple and fairly inexpensive changes, including:

Installing grab bars and supports: $100-$300;

Installing lever door handles: $150-$450;

Building a ramp: $1,200-$2,500;

Installing a curbless, modular shower: $2,000-$15,000 or more;

Widening doorways and corridors: $500-$20,000;

Lowering cabinets and sinks: $10,000-$15,000.

You will not need all of these changes, which is why it’s important to consider hiring a Certified Aging in Place Specialist (CAPS) to help determine which changes you should make.

There are also other costs to consider when looking at aging in place. For example, if in-home care is needed, the average cost can range between $980 and $3,800 per month. The amount depends on whether you need basic assistance with bathing and household chores, or whether you need skilled nursing professionals to visit regularly.

In some cases, insurance will help pay for in-home care expenses. The real difference, then, is in the one-time expense of upgrading your home to allow you to be as comfortable, and independent, as possible.

When and Where to Start

If aging in place is your choice, then it helps to understand the best ways to get started. An article in the Washington Post points out that most Americans begin making necessary changes well before they turn 65. Some make simple changes, like swapping out round door knobs for levered door handles and installing mobility-friendly showers, while others choose to build or purchase a home that already has these improvements.

The key is to start small. Adjustments like comfort height toilets, under-cabinet lighting and roll-out shelving are small expenditures that will mean less stress on your body and more convenience both now and in the future. Then, as funds allow, you can strive for the larger, more expensive renovations like widening doorways, installing a lift or elevator and even investing in technologies like robots and voice-activated home controls.

The possibilities are endless when it comes to making home improvements that will allow you stay in your own home as long as possible. The key to making aging in place affordable is to start as soon as possible and make incremental changes. Don’t wait until there is an accident or health issue that makes the changes a pressing requirement.

By bruners33618, Aug 1 2017 02:08PM

Bruner's Insurance on Car Insurance

Autonomous vehicles are revving up to hit the road, but some consumers still want to test the brakes.

Although recent history saw most car manufacturers shift toward autonomous vehicles, the latest J.D. Power 2017 U.S. Tech Choice Study found that all generations — except Millennials/Gen Y — are becoming more skeptical of self-driving technology. Compared with 2016, 11 percent more Gen Z consumers and 9 percent more Pre-Boomers say they "definitely would not" trust automated technology.

Researchers deducted, however, that car manufacturers and tech developers should view this as an opportunity rather than a setback. Consider that although Baby Boomers are the least comfortable with technologies that assume control of vehicle-operating functions, they represent a tiny segment of the consumer market, and are unlikely to impact the future of the car industry.

Related: Liability claims: Emerging technological influences to watch

At the other end of the spectrum, Gen Y and Gen Z are far more comfortable with a tech-infused car industry. It follows that companies making and catering to autonomous vehicles will need to focus on Millennials, currently the largest generation.

Continue reading...

Smart car detects danger

Features such as adaptive cruise control, automatic braking and blind-spot warning systems are still being mainstreamed. (Photo: Shutterstock)

You've got to crawl before you can walk

Humans are typically adverse to change, but we can adapt in incremental steps.

Cars evolved in a similar way. Now more cars come equipped with safety provisions like blind spot detection and smart headlights, and the industry isn't going backward. For instance, the next five years are expected to produce more agreements between automakers and government that will result in the widespread adoption of emergency braking — a foundation technology for autonomous driving.

Consumers also show growing interest in collision protection and driving assistance technology. Six of the top ten features that consumers were most interested in before learning the price come from these two categories.

Why do consumers fear autonomous vehicle tech failures but embrace driving assistance features?

"Automated driving is a new and complex concept for many consumers," said Kristin Kolodge, J.D. Power's executive director of driver interaction and human machine interface (HMI). "They’ll have to experience it firsthand to fully understand it."

Related: Is the insurance industry ready for self-driving boats?

Companies including Google and Apple are becoming more engaged in self-driving vehicles, while Uber continues to struggle with setbacks.

Continue reading...

Smart car with smart features

Many of the niche additions in smart cars do not attract consumers as much as collision protection and driving assistance-related technologies, according to The J.D. Power 2017 U.S. Tech Choice Study. (Photo: Shutterstock)

Less is more

Car manufacturers and technology developers would do well to remember that autonomous driving is about safety, not convenience. By focusing on ways to prevent human error, they will appeal to customers who are most attracted to the idea of autonomous vehicles.

The J.D. Power 2017 U.S. Tech Choice Study also found that consumers aren't as enthusiastic about niche convenience technologies. Collision protection and driving assistance-related technologies boast the highest pre-price interest, while features in the entertainment and connectivity, and comfort and convenience categories show the lowest pre-price interest.

Gen Z consumers, however, showed higher interest in niche conveniences:

Many are attracted to digital key technology.

A total of 40 percent indicated they definitely would like digital key technology on their next vehicle.

Fifty-eight percent are willing to pay $250 for it, compared with 28 percent of all consumers.

"As features like adaptive cruise control, automatic braking and blind-spot warning systems become mainstream," said Kolodge, "car buyers will gain more confidence in taking their hands off the steering wheel and allowing their vehicles to step in to prevent human error.”

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