Thursday, July 29, 2010

Does your auto policy include Med Pay?

It’s happened again.  It happened yesterday afternoon while reviewing a prospective customer’s current auto insurance, which she had purchased through a “1-800”-type of insurance company years ago.  I noticed her policy was missing a very important coverage that I won’t let my clients do without. It’s called “Medical Payments” or “Med Pay”.  I’ve noticed this coverage missing more than a few times during the past year alone, when reviewing prospective client policies here in Franklin, TN.

Quite simply, Med Pay pays for medical (and funeral ) expenses for you and other passengers if injured in an accident while driving/riding in your car.  You can choose Does your auto policy have Medical Payments coverage?different limits up to which this coverage will pay (usually $5,000 or more, per person).  It pays no matter who’s at fault. Pays for things like doctor fees, hospital charges, X-rays, tests, etc..

Wouldn’t it be nice to know that if you’re driving your friend around town, and have an accident, that your insurance will help pay for their medical expenses, as well as your own?  Med Pay is not an expensive part of your policy by any means, so there’s no reason not to have it.  Do you have it?

My prospective customer was convinced she had always had this important coverage, and was very upset to learn she hadn’t. Needless to say, she’s switching to Famers and my agency.  To me, this is just another example of the extra value and protection you get by having a local insurance agent, not someone in a cubicle 1000 miles away!



Thursday, July 1, 2010

Have you found your Tennessee home on the FEMA flood map yet?

Our hearts and prayers continue to go out to all affected by recent devastating floods in Middle Tennessee and other areas.  Flood signIf you haven’t reviewed the location of your home in relation to the 100- and 500-year flood plains, it would be wise to do so, so you can either sleep better at night, or plan accordingly.

The maps are available on the FEMA website. Just go to and, on the left-hand side, type in your home address, and click ”search”.  On the next page, click on the magnifying-glass icon in the “View” column.  This should take you to the actual flood map that shows your area in relation to where flooding is more likely to occur.  Much of the time, you’ll be able to zoom in to your actual home’s location (just like on a real estate map), enabling you to pinpoint exactly how far away, or how close you are, to potential flooding.  If you’re in a rural area, your actual home location may not be delineated on the map, but at least you’ll be able to get an idea as to your level of risk.  You should also pan over to the key on the right of the map for explanation about flood plains.

Have any trouble finding your location?  Please feel free to call me, and I’ll be glad to help.

If you need flood insurance, you may be surprised to learn that NEW government-sponsored flood insurance policies for private homeowners have not been available since June 1, 2010.  The Federal Flood program had been suspended, in regard to issuing new flood policies, because continuing funding had not been approved by Congress.  Existing flood policies were, and are, valid, of course.

Just last night, however, the U.S. House and Senate approved funding a temporary 3-month extension of the program through September 30, 2010.  As soon as President Obama signs off on it and instructs FEMA to move ahead, new policies can be issued.

Our lawmakers still need to act to fund the program past September 30th, however.  I’ll keep you informed as this issue evolves in the months ahead.  In the meantime, give me a call if you have any questions about flood insurance.

Doh -- a deer!

We're nearing the peak of the deer-mating season, the time to be extra watchful for deer while you are driving.  In fact, about half of ...