Back to Kentucky Insurance Blog!

I do apologize for the long absence here on the Kentucky Insurance blog. Once you hit forty, you start to realize you cannot always be superwoman, no matter what. We have been building a new home, and trying to complete everything so we can move in. It is hectic!

We started moving in about a week before Thanksgiving, but the drywall dust is still flying and there is trim that needs to be finished. In the middle of the move, we had to stop and "tidy up" to accommodate about two dozen guests for Thanksgiving festivities.

I am back to the moving mode, and trying desperately to get draperies, and pictures on the walls and windows. Not to mention preparing for the influx of holiday visitors.

So yes, I haven't been in the office as much...and yes this blog did get neglected. When you have lived in one place for 15 years, there is alot of stuff to pack and move...and let me tell you (women will understand) I just don't trust the men to move my china and breakables. So cut me some slack, I am going to get back to this full-time after the holidays. Look for weekly new posts until then.

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Joyce Pinson is a decorating perfectionist and there are alot of personal matters that have her attention right now. She will get back to being focused on Kentucky Insurance after the holidays.

Kentucky Highway Reports

Seven Die On Kentucky Roadways Last (Oct. 20 through Oct. 26)

Date of News Release: 10/270/08

(FRANKFORT, Ky.) - Preliminary statistics* indicate that seven people died in seven separate crashes on Kentucky roadways from Monday, October 20 through Sunday, October 26, 2008. Five of the fatalities involved motor vehicles and three of those victims were not wearing seat belts. Motor vehicle crashes occurred in Boone, Clark, Pendleton, Warren and Woodford counties. One of these crashes involved the suspected use of alcohol.

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There was one motorcycle fatality that occurred in Rowan county. The victim was not wearing a helmet. A pedestrian fatality occurred in Daviess county.

Through October 26, preliminary statistics* indicate that 630 people have lost their lives on Kentucky roadways during 2008. This is 90 fewer than reported for this time period in 2007. Of the 471 motor vehicle fatalities, 295 victims were not wearing seat belts. Of the eighty motorcycle fatalities, forty-eight were not wearing helmets. Twenty-four people have been killed in ATV crashes and twenty-two of those were not wearing helmets. Fifty pedestrians have been killed. A total of one-hundred and twenty eight fatalities have resulted from crashes involving the suspected use of alcohol.

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Citizens can contribute to highway safety by reporting erratic drivers to the Kentucky State Police toll-free at 1-800-222-5555. Callers will remain anonymous and should give a description of the vehicle, location, direction of travel and license number if possible.

*These statistics are still preliminary as KSP waits for all local law enforcement agencies throughout the state to report any crashes and fatalities that may have occurred in their areas.

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Charlie Pinson Insurance KY, is a multi-line independent insurance agency serving all of the Commonwealth of Kentucky including  Louisville Insurance  Lexington   and Pikeville.

Kentucky Teen Driving Week

Attorney General Conway Announces Support of National Teen Driver Safety Week

Attorney General Jack Conway today announced his support for National Teen Driver Safety Week to be held October 19-25, 2008. National Teen Driver Safety Week, observed each year during the third week of October, is designed to educate teens and raise awareness about the tragedy of teen vehicle crashes and encourage youth to drive more safely. This year’s theme, “Passengers,” focuses on increasing passenger awareness of how they may contribute to driver distraction.

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“Motor vehicle crashes are the leading cause of death for teens in the U.S. and in Kentucky. While teens represent only 6% of Kentucky drivers, they account for 19% of all people involved in injury collisions and 13% of those involved in fatal collisions in the state,” General Conway said.

Also troubling are the statistics on youth alcohol-related crashes. In 2007, 519 teenage drivers were involved in alcohol-related collisions resulting in 12 fatalities, half of which were the teenage driver. According to Kentucky State Police, 3,108 teen drivers between the ages of 16-19 were arrested last year for driving under the influence.

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“Working closely with victim’s advocacy groups such as Mothers Against Drunk Driving, our office knows all too well the heartbreak behind these statistics,” said General Conway, who is also a member of the National Association of Attorneys General’s Youth Access to Alcohol Committee. This committee works to keep alcohol out of the hands of minors.

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There are several important facts regarding the incidence of teens involved in vehicle crashes. Driver error or speeding is the leading cause of teen driver crashes. Cell phones, texting, food/beverage consumption and loud music are also dangerous distractions.

“Youth drivers need to know that the phone call and texting can wait. There is nothing more important than getting from point A to point B safely,” General Conway said.

Kentucky has taken steps forward in protecting teen drivers through its graduated teen-licensing law and increasing the time young drivers must have adult supervision.

“I also applaud the Kentucky State Police ‘Drive to Stay Alive’ program for teen drivers. However, more needs to be done to ensure students are aware of the severity of a vehicle crash and the very real consequences to themselves, their passengers and the general public of operating a vehicle in an unsafe manner,” General Conway said.

Attorney General Conway now asks that the public join him to help keep our teen drivers and our roadways safe.

“We all- federal, state, local governments and the public- need to support efforts to effectively educate teens and families about ways to address increased safety measures for teen drivers. Now is the time to talk with your children and grandchildren to prevent future tragedies.”

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Charlie Pinson Insurance KY, serves all of the Commonwealth including  Louisville  Lexington  and Pikeville. A Kentucky independent insurance agent, Charlie Pinson Insurance KY offers a variety of Kentucky Auto Insurance products from Progressive Drive Insurance, Safeco, Hartford, Farmers, Travelers, and Dairyland Sentry.

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Health Fair Heather

All work and no play makes a Kentucky insurance office a boring place to be. So once in the while, you just gotta take a break. Even better if you can have fun and do a good deed. That's what our insurance receptionist, Heather Stiltner, did this morning.

Anita Frantom, Social Worker for Pikeville Medical Center and wife of agent  Mark Frantom  asked if we could spare Heather for a few minutes to kick off the hospital's Health Fair in the Park. Hey, we're not some big wall street high roller...and Heather is a key part of our team...but we needed a break. Heather is a terrific vocalist favoring tunes by Bonnie Rait, Janis Joplin and Carrie Underwood.

We all took turns "manning" Heather's reception desk, so she could go sing...and we even managed to switch out so everyone caught a snippet of her performance. We're proud of Heather, and hope you got to see her belt them out this morning.

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Heather Stiltner is a full time Kentucky insurance receptionist with Charlie Pinson Insurance Ky. In her spare time, she is also a local vocal performance.

Refrigerator out? Safe Food tips

Department for Public Health Issues Guidelines for Safe Eating

The thousands of Kentuckians left without electricity after high-powered winds swept through the state Sunday afternoon are strongly encouraged to follow food safety guidelines endorsed by the Kentucky Department for Public Health (DPH) to prevent food contamination and related illness.

DPH staff recommends keeping freezers closed to maintain the proper temperature for frozen foods. A full freezer will hold the temperature for approximately 48 hours and for 24 hours if the freezer is half full.

DPH cautions that a refrigerator will only hold its temperature for about four hours, meaning food items such as milk, dairy products, meats, eggs and leftovers should be placed in a cooler surrounded by ice if the outage lasts for more than four hours. Dry ice can be used to keep refrigerators cold. If the outage lasts for several days, 50 pounds of dry ice should preserve food in an 18-cubic foot full freezer for two days. (You must be careful when handling dry ice. Never touch dry ice with bare hands or breathe its vapors in an enclosed area. Dry ice is frozen carbon dioxide, a gas).

“Horrible situations like this one emphasize the need for emergency preparedness in the home,” said William Hacker, M.D., DPH commissioner. “Food that is improperly stored or handled can lead to foodborne illness, which can be debilitating and in some cases life threatening.”

If left without power, purchase one or more coolers, ice and a digital, dial or instant-read food thermometer, DPH recommends. Public health guidelines also recommend keeping appliance thermometers in the refrigerator and freezer, no matter how long the power has been out. The refrigerator temperature should be 40 degrees Fahrenheit or below; the freezer should be 0 degrees Fahrenheit or lower.

“If you are not sure a particular food is cold enough, take its temperature with a food thermometer,” said Hacker.

DPH recommends limiting the opening of freezer and refrigerator doors, even if an appliance has been out but returns to function within a couple of hours. If the freezer is not full, DPH strongly advises that poultry and meat items be grouped away from other foods to prevent juices from contaminating other items.

When the refrigerator and/or freezer are operating again, follow these guidelines to decide what to do with foods:

· Refrigerated foods should be safe as long as power is out for no more than four hours.

· Throw out any perishable food in your refrigerator, such as meat, poultry, lunchmeats, fish, dairy products, eggs and any prepared or cooked foods that have been above 40 degrees Fahrenheit for two hours. Bacteria can multiply to unsafe levels under these conditions.

· Fresh fruits and vegetables are safe as long as they are still firm and there is no evidence of mold or sliminess.

· If an appliance thermometer was kept in the freezer, read the temperature when power comes back on. If the appliance thermometer stored in the freezer reads 40 degrees Fahrenheit or below, the food is safe and may be refrozen.

· If a thermometer has not been kept in the freezer, check each package of food to determine the safety.

· If the food still contains ice crystals or is 40 degrees Fahrenheit or below, it is safe to refreeze.

· Raw meats, poultry, cheese, juices, breads and pastries can be refrozen without losing too much food quality.

· Prepared food, fish, vegetables and fruits in the freezer can be refrozen safely, but food quality may suffer.

“Remember, you can’t rely on appearance or odor of the food to determine if it’s safe,” said Hacker. “Food that has thawed or was held above 40 degrees Fahrenheit for more than two hours should be thrown out because bacteria may multiply to unsafe levels.”

To remove spills and freshen the freezer and refrigerator, DPH recommends washing with a solution of two tablespoons of baking soda dissolved in one quart of warm water. To absorb any lingering odors, place an open box or dish of baking soda in the appliance.

Insurance and Financial Institutions in Turmoil...What does it all mean?

As the marketing director for  Charllie Pinson Insurance KY  the question of "Where does the industry go from here?" has been on my mind this week. Insurance giant, AIG, has sure taken a beating and of course had a government bailout.

As a Kentucky independent insurance agent, I am surely grateful that our agency has many companies to offer our clients; not just one company. We represent Progressive, Hartford, Safeco, Travellers, Farmers and several other  Kentucky Auto Insurance  providers. We also represent AIG; but the point is we offer our clients the power to choose.

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In this day when big companies continue to swallow up smaller companies it's hard to keep up. Safeco was bought by Liberty Mutual. Wachovia, Merrill Lynch, Lyman Bros, and others are all in the news with dramatic changes.

It just goes to show you that bigger is not always better. Sure, we want to grow our business, just like any other successful business. But at the same time, with too rapid growth of overhead pursueing "the next level" of success comes at the costs of reducing profitablility. You spend more money; but make less profit. They called that the "Law of Dimishing Returns" when I was an econmics student.

With all the turmoil, you have to be watchful. As for Charlie Pinson Insurance KY  we are going to stick with what we know....offering our clients downhome personal service with the choice of doing business with numerous insurance companies. Sometimes, it's fun to be the hare...but the slow and steady turtle always wins the race.

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Joyce Pinson is the marketing director for Charlie Pinson Insurance KY, and it's sister Kentucky health insurance agencies. Joyce attended the University of Kentucky majoring in Agricultural Economics.

Flue Shots...Get'em while they are available!

Governor Beshear Encourages Kentuckians to Get Influenza Vaccinations; Increased emphasis this year aims to protect more children with flu shots

LEXINGTON, Ky.  (Sept. 12, 2008) – With influenza season just around the corner and an ample supply of vaccine expected this season, Governor Steve Beshear joined state and local health officials at the Lexington-Fayette County Health Department today to urge Kentuckians to get a flu shot or nasal vaccine spray — and to encourage parents to make sure children older than 6 months also receive protection against the flu.

“The best way to protect yourself and your family against the flu is to receive the flu shot or nasal vaccine spray. This year the federal government has released new recommendations that emphasize the need for most children over 6 months of age to receive annual flu vaccinations,” said Gov. Beshear. “Ensuring that all eligible children and adults are vaccinated helps protect the health of our communities at large, by reducing the flu’s spread and severity.”

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The Centers for Disease Control and Prevention’s (CDC) Advisory Committee on Immunization Practices’ (ACIP) updated recommendations for the coming flu season include:

• • Annual vaccination of all children aged 5-18 years;


• • Children aged 6 months through 4 years (59 months) continue to be a primary focus of annual vaccination efforts because these children are at a higher risk for flu complications compared with older children;


• • Children aged 6 months-8 years should receive two doses of vaccine if they have not been vaccinated previously; and


• • Healthy, non-pregnant people aged 2-49 years can receive either the flu shot or the nasal vaccine spray.

The focus on increasing vaccination among children reflects the serious health effects the flu can potentially cause among this population. Children younger than 2 years old — even healthy children — have a high risk of ending up in the hospital if they get the flu, and children 2-5 years old are more likely to be taken to a doctor, urgent treatment center or an emergency department due to the flu, according to the CDC. Each year in the U.S., as many as 20,000 children under age 5 are hospitalized because of the flu.

Kentucky expects local health departments and private providers to have plenty of vaccine on hand for this year’s season, and clinics are already being scheduled at many locations around the state. For information on vaccine availability, Kentuckians should contact their health provider or local health department.

“It’s important that children and others receive a flu vaccine each year to ensure maximum protection,” said Kraig Humbaugh, M.D., state epidemiologist at the Department for Public Health.

The flu season can begin as early as October and last as late as May, but usually peaks between January and March. September, October and November are good months to be vaccinated for flu because it takes about two weeks for immunity to develop and offer protection against flu. However, vaccination can be given any time during the flu season. Infection with the flu virus can cause fever, headache, cough, sore throat, runny nose, sneezing and body aches.

Immunization is strongly recommended to protect Kentuckians 65 and older and those with a chronic disease such as heart disease, cancer, asthma or diabetes. Healthy individuals 50 to 64 are also strongly recommended to receive flu vaccine.

In addition to flu vaccine, the officials encouraged all adults 65 or older and others in high-risk groups to ask their health care provider about the pneumococcal vaccine. This vaccine can help prevent a type of pneumonia, one of the flu’s most serious and potentially deadly complications.

Caused by bacteria, pneumococcal disease can result in serious pneumonia, meningitis or blood infections. According to the CDC, pneumococcal disease kills more people in the U.S. each year than all other vaccine-preventable diseases combined. Nationally, between 20,000 and 40,000 deaths are attributable to flu and pneumonia each year, with more than 90 percent of those deaths occurring in people age 65 and older.

For more information on influenza disease or the availability of flu immunizations, please contact your local health department or visit DPH’s flu Web site at http://www.chfs.ky.gov/dph/Influenza.htm.

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Mark Frantom, Incoming Pikeville Kiwanis President

Behind the scenes

Mark Frantom , the personal lines manager here at  Charlie Pinson Insurance KY  recently attended the annual Kiwanis District Convention held in Kingsport, TN. He was accompanied by his wife, Anita, and fellow Pikeville Kiwanians Roger Davis and Randy Thomas.

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Frantom, the incoming President for the Pikeville Kiwanis Club, attended a variety of seminars including Leadership Training for Club presidents. Highlights of the gathering included the Governor's banquet, Installation of new district officers, a trade show, and arts and crafts fair.

We at Charlie Pinson Insurance are very proud of Mark's efforts as a community leader. In addition to his work with the Pikeville Kiwanis, Mark is active with Pikeville College's football team and a his son's Cub Scouts and little league sports.

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Mark Frantom is a licensed Kentucky independent insurance agent. Mark writes a variety of coverages including Kentucky auto and motorcycle. Mark is especially fond of collectible cars, and enjoys seeing what cool vehicles he can help insure. Contact Mark at 606.433.0031.

Kentucky Small Business Resources Recieve Economic Boost

U.S. Congressman Hal Rogers (KY-05) announced today that the U.S. Department of Agriculture (USDA) has awarded a $251,848 Rural Business Enterprise Grant to Morehead State University (MSU). This funding will be used to enable the University’s East Kentucky Small Business Development Centers (SBDC) in Morehead, Ashland and Pikeville, to continue providing business resources to stimulate the economy and spur job growth in southern and eastern Kentucky.

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“With these USDA funds, MSU, through these regional small business development centers, will be able to expand an already extensive mission by putting invaluable professional consulting resources and important business analyses directly into the hands of local companies,” Rogers said. “In a global economy with constantly changing market dynamics, our industry leaders must stay ahead of the curve, understand their financing options, and constantly innovate with new techniques and business plans to bolster operations. This assistance translates into job creation, cost-savings, and business growth for the citizens of Southern and Eastern Kentucky.”

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MSU’s East Kentucky Small Business Development Centers serve a 25-county area in eastern Kentucky. The centers provide one-on-one counseling, technical assistance, and group training programs for small and emerging businesses in the service region. In addition, the funds will be used for a Regional Entrepreneur Conference and a Women’s Business Symposium.

This grant was provided by the United States Department of Agriculture (USDA) Rural Development

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Finalist Southeastern KY Excellence in Entrepreneurship

Congratulations to Charlie Pinson, Insurance Agent

The annual 2008 Excellence in Entrepereneurship Awards Luncheon for Southeastern Kentucky was recently held at the Center for Rural Development in Somerset, Ky. A joint program of Eastern Kentucky College of Business and Technology, the Kentucky Highlands Investment Corporation, and The Center for Rural Development the program honors a variety of business entities and budding entrepreureurs. The competition Awards include Not for Profit, Start-up business, For Profit Small Business with less than 25 employees, and For Profit Small Business with more than 25 employess.

Pikeville Business man, Charlie Pinson, was recognized as a top finalists in the Not for Profit less than 25 employee category. Other Pike Countians recognized included Stephanie Richards with Artists Collaborative Theatre for a Non-Profit entity, and Shannon Wright with Wright Concrete and Construction in For-Profit business with over 25 employees. Emily Coleman, a high school student from Elkorn City, was on the first place team for the 2008 Entrepreneurial Leadership Institute.

Pinson comments,"Pike County is a great place to do business. Like most small businesses, we have had our challenges, but we keep plugging along. I cannot imagine anywhere else I would want to be."

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Charlie Pinson is a  Kentucky Independent Insurance agent,  licensed throughout the Commonwealth of Kentucky. Charlie is partner in three insurance agencies, and is known as "The Voice of Pikeville College Bears."  Get Kentucky Auto Insurance Quotes  Get Kentucky Health Insurance.

Kentucky Workers Compensation Losses Decreased

Annual Workers' Comp Filing Approved

FRANKFORT, Ky. (Aug. 27, 2008) – A 2008 filing most insurance carriers will use to develop rates for workers’ compensation coverage shows the third straight decrease in loss costs, Department of Insurance Commissioner Sharon P. Clark announced today.

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The filing, approved by the state Department of Insurance and effective Oct. 1, is by the National Council on Compensation Insurance Inc. (NCCI), an advisory organization that serves as the oldest provider of workers’ compensation and employee injury data and statistics in the nation.

“As businesses face tough economic times, this is a welcome piece of news,” said Clark. “Workers’ compensation insurance is a large cost of doing business. This also is good news for hardworking Kentuckians since the report shows a continuing decline in the number of workplace injuries and a slight decline in the severity of those claims.”

Data collected from insurance carriers is used to develop loss costs, which is the average compensation for lost wages, based on the level of disability, plus medical benefit payments. Use of the information is voluntary but most workers’ comp carriers use the NCCI loss cost values as a base to which the insurer’s own loss adjustment and overhead expenses are added to arrive at the rates charged to Kentucky employers.

The loss cost figures show an average reduction of 5.1 percent for the 596 industrial classes used in Kentucky. These classes include manufacturing, office and clerical, contracting, and goods and services. For coal classes, underground mining costs dropped 10.5 percent while surface mining decreased 8.7 percent.

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Charlie Pinson Insurance KY  is a Kentucky insurance agency offering a variety of Kentucky insurance products including Kentucky Worker's Compensation and Kentucky business insurance. Employee benefits and Group Health Insurance are available through their sister agency Triple B Insurance of Pikeville. Call 606.433.0031 for more information.

Fake Kentucky Insurance Cards lead to charges

Nine Charged in Fake Auto Insurance Card Round-Up

FRANKFORT, Ky. (Aug. 25, 2008) – A sharp eye for detail in the Clay County clerk’s office resulted in nine Manchester area residents being charged with insurance fraud for creating or possessing fake auto insurance identification cards.

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When Clay County Clerk Freddy Thompson and his staff began seeing suspicious or altered proof of insurance cards, he brought it to the attention of the Kentucky Department of Insurance (DOI) Fraud Investigation Division. DOI fraud investigators contacted Manchester Police Chief Jeff Culver and Clay County Sheriff Kevin Johnson, along with County Attorney Clay Bishop, and began a joint investigation.

“Auto insurance is mandatory in Kentucky, and proof of insurance is required to license a vehicle. Unfortunately, the creation and possession of fake insurance cards is one of the most prevalent fraudulent activities we investigate,” said DOI Commissioner Sharon P. Clark. “Those who drive without insurance create a financial hazard for everyone.”

Culver and Thompson believe the investigation has been positive for the community, and Thompson said his staff is seeing fewer questionable cards.

“We believe news of this investigation will deter others from doing the same thing,” said Culver.

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“This is an example of teamwork at its best,” said Commissioner Clark. “I commend the Clay County law enforcement officials and Mr. Thompson and his staff for the outstanding assistance and cooperation we received in completing our investigation.”

Those charged with felony counts of insurance fraud for possessing fake cards are: Marshall D. Bodkins, 22; Lois Ann Hunter, 46; Daniel C. Mayfield, 27; Alta Mae Nolan, 29, and Bobby J. Wombles, 34, all of Manchester; David G. Caudill, 46, of Fall Rock; Rebecca Roberts, 29, of Big Creek; and Evelyn J. Simpson, 63, of Garrard. Teresa Bowling, 43, of Manchester was charged with a felony count of second degree forgery for creating a fake card.

The nine are scheduled to appear in Clay District Court on Sept. 16.

DOI is an agency of the Public Protection Cabinet.

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Charlie Pinson Insurance KY  is a Kentucky independent insurance agency serving all of Kentucky. Charlie represents numberous Kentucky auto insurance companies including Progressive, AIG, Hartford,  Safeco, Travellers, Farmers, Sentry Dairyland, and others.

Sucide Prevention...a new dialoge

CHFS to Kick Off Suicide Prevention Campaign

To help end the stigma and silence associated with suicide, the Cabinet for Health and Family Services (CHFS), the Kentucky Suicide Prevention Group (KSPG) and the Department for Mental Health, Developmental Disabilities and Addiction Services are launching a public awareness campaign about one of the most preventable, yet common, forms of death.

The “Let’s Talk: Kentuckians Affected by Suicide End the Silence” awareness campaign will launch at an event at 2:30 p.m. on Sept. 4 at the Capital Plaza Hotel in Frankfort. The event, which will feature a new educational video, is designed to educate Kentuckians about the warning signs of suicide; make people more aware of the prevalence of suicide in society; and help people discuss suicide.

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“The ‘Let’s Talk’ campaign is truly a courageous effort in our continued work to prevent suicide in Kentucky,” said CHFS Secretary Janie Miller. “Far too many Kentuckians are suffering in silence, and warning signs are being overlooked. By training our communities to be proactive and teaching our loved ones, friends and neighbors how to communicate about suicide, we can reduce the number of suicide deaths in Kentucky.”

According to a 2007 study, 64 percent of Kentucky adults knew at least one person who had attempted or died by suicide. The “Let’s Talk” campaign takes a closer look at what it’s like to be personally affected by suicide, and features several Kentuckians who will share their personal stories, as well as what they’ve learned from the experience.

“Keeping suicide a secret perpetuates suicide,” said Jenny Jones, chair of the KSPG steering committee who lost her mother, grandmother and other family members to suicide and is featured in the “Let’s Talk” video. “For many struggling with mental health issues or experiencing thoughts of suicide, there is no outlet. We have to change that.”

In addition to Jones, other stories in the video include the friend of a young Marine who died by suicide after returning to Kentucky from war and a parent discussing youth suicide contagion (one suicide becoming the trigger for other suicides). The video also includes information on suicide on college campuses, suicide among select ages or populations, and suicide among Kentuckians affected by HIV/AIDS.

The “Let’s Talk” event will be emceed by WHAS radio talk show host Francene Cucinello and will be broadcast to locations across the state via satellite through the assistance of WLEX-TV in Lexington. Participants will receive community action materials to use in their hometowns.

Seating for the general public at the “Let’s Talk” kick-off is limited, and reservations are required by contacting Cheryl Ligon at (502) 564-4456 or   Email.

For more information about how to save a life, visit   www.kentuckysuicideprevention.org  or call (502) 564-4456.

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So many people in this world are hurting. Some think about suicide. Some live with the knowledge that someone they loved could not connect...and eventually took their own lives. If you are contemplating suicide, reach out and get help!

Charlie Pinson Insurance KY...Finalist in Excellence In Entrepreunership Awards

2008 EXCELLENCE IN ENTREPRENEURSHIP AWARDS

RICHMOND, Ky. − Eastern Kentucky University’s College of Business and Technology, Kentucky Highlands Investment Corp. and The Center for Rural Development will present the 2008 Excellence in Entrepreneurship Awards (EIEA) on Monday, Sept. 8 during a 11:30 luncheon program at The Center’s headquarters in Somerset, Ky.
Eastern Kentucky University President Dr. Doug Whitlock will serve as emcee for the event and Kentucky Economic Development Cabinet Secretary John Hindman will serve as the keynote speaker.

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The annual award was established in 2001 to honor excellence in entrepreneurship throughout Eastern and Southern Kentucky. Awards will be given in four categories – Business, Small Business, Start-Up, and Non-Profit Business – and are determined by the economic success of the enterprise, contributions to the community, job creation and operational achievement as measured by innovative business practices, superior safety achievement and superior technology.

The 2008 awards program will include recognition of the Excellence in Entrepreneurship Collegiate Business Concept Challenge award honorees and the first place team in the youth Entrepreneurial Leadership Institute Business Concept Competition.

“We’ve seen that small companies comprise the engine that drives most of our economy,” said Dr. Robert Rogow, dean of EKU’s College of Business and Technology. “We want to do whatever we can through our partnership to foster small-business development and recognize those who’ve been successful in developing companies in Eastern and Southern Kentucky.”

Finalists in the four business categories are:

For-Profit Business: Mr. Richard Rednour, II, owner/president, Rednour Properties, LLC, Clay City, Ky.; Mr. Terry E. Forcht, president/CEO, Forcht Group of Kentucky, Corbin, Ky.; Mr. Shannon Wright and Mr. Kendall Wright, owners, Wright Concrete & Construction, Inc., Dorton, Ky.

For-Profit Small Business: Mr. Jerry W. Rice, owner, Panco Wood Shop, Oneida, Ky.;  Mr. Charlie Pinson,  president/owner,  Charlie Pinson Insurance, Pikeville, Ky.;  Mr. Steve Taylor, president, EST Tool & Machine, Inc., Brodhead, Ky.

Start-Up Business: Mr. Brant Poore, president, and Mr. Raymond Sears, vice-president, Information Capture Solutions, LLC, Williamsburg, Ky.; Mr. Brian Floyd and Mr. Scott Floyd, owners, Floyd Industries, LLC, Liberty, Ky.; Ms. Cindy and Mr. Norm Kelly, owners, EZ Care, LLC, Richmond, Ky.

Not-For-Profit Entity: Ms. Stephanie Richards, artistic director, Artists Collaborative Theater, Elkhorn City, Ky.; Mr. Lonnie Cowan, executive director, Chronic Pain Support Group, Inc., offices in Clark, Jessamine, Bourbon, Laurel, Boyle, Montgomery, Madison and Taylor counties, Ky.; Ms. Debbie Long, executive director, God’s Food pantry of Pulaski County, Somerset, Ky.

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“Supporting entrepreneurs and small businesses is at the heart of the mission of The Center for Rural Development,” said Lonnie Lawson, president and CEO of The Center, “and the encouragement and recognition of Kentucky’s future business leaders is fundamental to the realization of that mission.”

Jerry Rickett, president and CEO of Kentucky Highlands Investment Corp., said “Entrepreneurs are visionaries and risk-takers vital to any community. Whether they succeed or fail, their tenacity and adventurous spirit need to be recognized and applauded. That’s what the Excellence in Entrepreneurship Awards is about.”
2007 award recipients were Stephen P. Branscum, president, Branscum Construction Co., Inc., Russell Springs, Ky – For-Profit Business; Barbara Napier, owner, Snug Hollow Bed & Breakfast, Irvine, Ky. – For-Profit Small Business; Lowell Land, president, Acres of Land Winery, Richmond, Ky. – Start-Up Business; and Wilma
Kelly, executive director, Beattyville Housing and Development Corp., Inc, Beattyville, Ky. – Not-For-Profit Entity. Award recipients in the Collegiate Business Concept Challenge were Patti Holly and Lauren Hale, student honorees; Dr. Bill Davig, EKU Business advisor; and Eastern Kentucky University as the sponsoring school. Also honored at the luncheon was the 2007 Entrepreneurial Leadership Institute Business Concept Challenge team of Rebekah Smith, Staffordsville; Michael Wright, Stanford; Kenna Trent, Morehead; and Richie Mathes, Corbin.
Award winners from previous years will receive invitations to the annual EIEA program and be recognized for their achievement.

For more information on the Monday, September 8 EIEA luncheon program, please visit www.eiea.eku.edu and follow the EIEA links. Information can also be found on the Web at www.centertech.com by following the EIEA links. Reservations for the program are $20 per person and may be made by calling The Center for Rural Development at (606) 677-6000 or by e-mail at enea@centertech.com. Checks should be made payable to The Center for Rural Development and mailed to: The Center, Attn: EIEA Luncheon, 2292 S. Hwy. 27, Somerset, KY 42501.

To be eligible for the Excellence In Entrepreneurship Awards competition, businesses must be in one of the following 55 Eastern and Southern Kentucky counties: Adair, Bath, Bell, Boyd, Boyle, Breathitt, Carter, Casey, Clark, Clay, Clinton, Cumberland, Edmonson, Elliott, Estill, Fleming, Floyd, Garrard, Green, Greenup, Harlan, Hart, Jackson, Jessamine, Johnson, Knott, Knox, Laurel, Lawrence, Lee, Leslie, Letcher, Lewis, Lincoln, McCreary, Madison, Magoffin, Martin, Menifee, Metcalf, Monroe, Montgomery, Morgan, Owsley, Perry,  Pike,  Powell, Pulaski, Rockcastle, Rowan, Russell, Taylor, Wayne, Whitley, or Wolfe.

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Charlie Pinson Insurance KY  is a Kentucky Independent Insurance agency offering Kentucky insurance throughout the Bluegrass state. Representing many different companies, the agency provides many choices to it's valued customers.

Charlie Pinson Insurance KY....Kentucky Sports

A life outside our Kentucky Insurance Office

Insurance is our business, and a big part of our life. But as  Kentucky independent insurance agents,  we really do have a life outside the office and business community.

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We like to say "an office that plays together stays together". For  Charlie Pinson Insurance KY,  part of that play comes from  Pikeville College Bears Football.  Owner, Charlie Pinson is "The Voice of Pikeville College Bears" on WPRG-TV5. Personal lines manager, Mark Frantom, is the Kentucky sports camera man. Agent, Joyce Pinson, keeps the Pikeville College press box furnished in brownies and sweets and can be counted among the Bears loudest fans. And then there's our file clerk, Justin Lamb.

We all live a little vicariously through Justin, a returning senior to the Pikeville College Bears Football squad. Justin does a good job on and off the field, in the classroom, and the in the office. We are so proud of him!

Read about Justin Lamb a Senior Pikeville College Bear

If you enjoy Kentucky Sports, check out our Kentucky sports blog.

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The staff at Charlie Pinson Insurance and  Triple B Insurance  wish Justin Lamb and the Pikeville College Bears a spectacular winning season. Go Bears!

Back to school time to shop Kentucky Auto Insurance

With the kids back in school, consumers are now making the move to shop their Kentucky insurance. Last week, we received a record breaking number of calls for Kentucky auto insurance quotes.

As a Kentucky independent insurance agency,  Charlie Pinson Insurance KY,  offers KY car insurance from a number of carriers including   Safeco,  Hartford, AIG, Travelers, Farmers Insurance, Dairyland, and Progressive.  Can we save you money?

Last week, I vented here about how much gas prices are eating into my family budget. Are you feeling the pinch? Do not drive around town, to agents who refuse to quote over the phone or internet. We'll quote you, and you won't have to leave home. Some of our insurance carriers let you purchase Kentucky Auto Insurance online!

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Joyce Pinson does Kentucky auto insurance marketing for  Charlie Pinson Insurance Ky and Kentucky health insurance marketing for Triple B Insurance KY.

Kentucky Insurance Feeling the Squeeze

You know, I try to do my part. Especially when it comes to economizing. I consolidate my errand trips. I shop local as much as possible to support the Kentucky economy. I use coupons, and I shop sales. I am not above shopping at local thrift stores. With a background in economics, you would think I would be smart enough to manage a tight budget.

Today, my mid-sized car sucked up $59 at the gas pump! Fifty nine dollars! All I do is go to work, the grocery and the dry cleaners. Fifty nine dollars! OUCH!

And so it it is no wonder, our Kentucky insurance office is seeing more calls for folks shopping their  Kentucky car insurance.  And, it's not just kids and newlyweds...it's blue collar and white collar people alike. With the cost of gas, I think everyone is feeling a squeeze on the budget.

Can we help you? When was the last time you shopped your   Kentucky Auto Insurance?  We cannot help with gas prices, but maybe we can help with your insurance budget.

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Joyce Pinson is a Kentucky health insurance agent.   Charlie Pinson Insurance KY  offers several diffent insurance companies for Kentucky Auto insurance including Progressive, AIG, Hartford, Safeco, Travelers and Farmers Insurance. Visit our website at  www.pinsoninsurance.com

Kentucky Insurance Fraud Georgetown

GEORGETOWN MAN CHARGED WITH INSURANCE FRAUD

FRANKFORT, Ky. (July 31, 2008) – A Georgetown man has been charged with one felony count of insurance fraud after providing false information to Bluegrass Family Health Inc.

Darrell E. Gibson Jr. and his wife, Veronica, were divorced in December 2003. In December 2004, he allegedly listed her as his spouse on an application for health insurance obtained through his business. Veronica Gibson remained on the policy until June 2007. During that time, Bluegrass Family Health paid more than $169,000 in benefits for her health care.

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The case was investigated by the Kentucky Department of Insurance (DOI) Fraud Investigation Division.

“The company paid a significant amount in health care benefits for someone who was not eligible for coverage,” said Sharon P. Clark, DOI commissioner. “Our Fraud division actively pursues cases like this one because we all pay when insurance fraud is committed.”

The preliminary hearing in Scott District Court will be Aug. 7. If found guilty, Darrell Gibson faces a prison term of one to five years, a fine of up to $10,000, or both imprisonment and a fine.

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Louisville Insurance Fraud KY Business Insurance

LOUISVILLE BUSINESS OWNER INDICTED BY GRAND JURY

Allegedly provided fake liability insurance certificates for business

From The Department of Insurance is an agency of the Public Protection Cabinet.

FRANKFORT, Ky. (July 17, 2008) – A Louisville business owner has been charged with eight felony counts of insurance fraud and eight felony counts of criminal possession of a forged instrument after allegedly presenting fraudulent liability insurance certificates for his business, All Star Trucking Company.

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Robert E. Holbert, 65, allegedly provided the fake documents to at least five companies doing business with All Star Trucking, claiming to have valid coverage when he did not, according to an investigation by the Kentucky Department of Insurance Fraud Investigation Division.

A pre-trial conference is scheduled for Sept. 2 in Jefferson Circuit Court. If found guilty, Holbert faces a prison term of one to five years on each count (not to exceed 20 years); a fine of up to $10,000 per count; or both imprisonment and a fine.

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Louisville KY Insurance Fraud KY Car Insurance

LOUISVILLE WOMAN INDICTED FOR INSURANCE FRAUD

Allegedly left scene of accident, claimed she hit parking lot post

From The Department of Insurance is an agency of the Public Protection Cabinet

FRANKFORT, Ky. (July 16, 2008) – A Louisville woman has been indicted on one felony count of insurance fraud after allegedly filing a false claim with Nationwide Insurance Company.

Linda M. Schierer, 69, stated under oath that she drove her 2008 Toyota Corolla into a concrete post in a parking lot. The insurer’s inspection revealed damage inconsistent with striking a post. During the investigation, Schierer admitted that she was involved in a collision with another vehicle and left the scene of the accident.

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Nationwide denied the claim based on the material misrepresentation. She was indicted on a felony charge because the benefit for a paid claim would have been more than $300.

The case was investigated by the Kentucky Department of Insurance Fraud Investigation Division.

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A pre-trial conference is scheduled for Aug. 18 in Jefferson Circuit Court. If found guilty, Schierer faces a prison sentence of one to five years; a fine of $10,000 or twice the amount of gain; or both a prison sentence and a fine.

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Kentucky Highway Safety

Nine Fatalities Reported on Kentucky Roadways Last Week (July 14th - 20th)

(FRANKFORT, Ky.) - Preliminary statistics* indicate that nine people died in eight separate crashes on Kentucky roadways from Monday, July 14 through Sunday, July 20, 2008. Seven of the fatalities involved motor vehicles and five of those victims were not wearing seat belts. Motor vehicle crashes occurred in Boyle, Knott, Madison, Taylor and Webster counties. A double-fatality motor-vehicle crash occurred in Russell county.

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A motorcycle fatality occurred in  Pike county  and the suspected use of alcohol was a factor. The victim was not wearing a helmet.

A bicycle fatality occurred in  Jefferson county  when a motor vehicle struck the bicycle as it was exiting I-65 onto the outer loop. The victim was not wearing a helmet.

Through July 20, preliminary statistics* indicate that 403 people have lost their lives on Kentucky roadways during 2008. This is 73 fewer than reported for this time period in 2007. Of the 315 motor vehicle fatalities, 197 victims were not wearing seat belts. Of the 42 motorcycle fatalities, 23 were not wearing helmets. Eleven people have been killed in ATV crashes and 10 of those were not wearing helmets. Thirty-three pedestrians have been killed. A total of 79 fatalities have resulted from crashes involving the suspected use of alcohol.

Citizens can contribute to highway safety by reporting erratic drivers to the Kentucky State Police toll-free at 1-800-222-5555. Callers will remain anonymous and should give a description of the vehicle, location, direction of travel and license number if possible.

*These statistics are still preliminary as KSP waits for all local law enforcement agencies throughout the state to report any crashes and fatalities that may have occurred in their areas.

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Kentucky's Lady Jane Horses of Hope Breast Cancer Awareness Campaign

First Lady Jane Beshear Announces 'Horses and Hope' to Fight Breast Cancer

State awards breast cancer grants

FRANKFORT, Ky. – First lady Jane Beshear today announced “Horses and Hope,” an initiative she has created with the Kentucky Cancer Program. The project will foster work with the state’s equine industry to identify new opportunities to provide breast cancer awareness, education, screening and treatment referral, as well as to raise funds to sustain programs into the future.

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-“Most of you know of my great love for horses,” said Mrs. Beshear. “Horses and Hope will combine my passion for these great animals with the fight to cure this disease.”

“Horses and Hope” will also be supported by the Pink Stable, a committee of women horse owners, trainers, jockeys, race track representatives and others convened by the first lady. In addition to Mrs. Beshear, who chairs the committee, members of the Pink Stable include Wende Bell, Anita Cauley, Patricia Cooksey, Carol Farmer, Mary Midkiff, Susan Nicholson, Ann McBrayer and Donna Ward.

“Horses and Hope” will sponsor Breast Cancer Race Days to raise awareness at Kentucky’s racetracks on the following days:

• Aug. 16 – Ellis Park


• Sept. 26 – Turfway Park


• Oct. 24 – Keeneland


• Nov. 16 – Churchill Downs

Other activities planned include:

Backside Outreach, where we will provide breast cancer education, awareness and screening to track workers and their families, placing special emphasis on the uninsured and underinsured;

Development of materials and a website that provide screening and treatment resources for Kentuckians; and

Working with colleagues in the equine industry to secure financial and in-kind contributions for “Horses and Hope” programs.

The Kentucky Cancer Program at both the University of Louisville and the University of Kentucky has been awarded grants ($10,500 each) from the Kentucky Breast Cancer Research and Education Trust Fund to fund breast cancer awareness, education, screening and outreach activities related to “Horses and Hope.”

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In addition, the Kentucky Cancer Program at the University of Louisville has committed up to $10,000 from their 2008-09 operating budget to initiate project activities.

The Kentucky Cancer Program at the University of Louisville will administer fiscal affairs for Horses and Hope. Donations will be placed in a University of Louisville Foundation account for the exclusive support of the project.

Breast cancer is the second leading cause of cancer deaths among Kentucky’s women. According to the Kentucky Cancer Registry, an average of 2,700 new cases of breast cancer is diagnosed in Kentucky women each year. Over the last five years, an average of nearly 600 Kentucky women has died each year from breast cancer.

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Kentucky Independent Insurance Agents

Designing your own Destiny

Every once in the while, someone will ask why we choose to be an  independent insurance agent  instead of a captive insurance agent. Captive agents, that work for one company have many career advantages. However, when you tally the balance sheet being an independent insurance agent is one of the best jobs in the world.

Independent Insurance agents represent many insurance companies.  No one company controls their paycheck, or controls the products and price points that are offered to clients. By bringing product choices to the client, independent agents have the ability to compare coverage needs and premiums. Clients can make better informed decisions when they have alternatives and choices.

If you are considering a career in Kentucky insurance, consider being an independent insurance agent. The book of business you build, will be your own. You set your own goals, make your own business decisions, and have the opportunity to bring clients a smorgasbord of choices. It's not a get rich quick career; but if you stick with it the rewards are worth the effort.

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Joyce Pinson is a Kentucky independent insurance agent specializing in   Kentucky health insurance  Joyce is also the marketing director for Charlie Pinson Insurance KY.

Kentucky Auto Insurance Fraud Louisville KY

FRANKFORT, Ky. (July 16, 2008) – A Louisville woman has been indicted on one felony count of insurance fraud after allegedly filing a false claim with Nationwide Insurance Company.

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Linda M. Schierer, 69, stated under oath that she drove her 2008 Toyota Corolla into a concrete post in a parking lot. The insurer’s inspection revealed damage inconsistent with striking a post. During the investigation, Schierer admitted that she was involved in a collision with another vehicle and left the scene of the accident.

Nationwide denied the claim based on the material misrepresentation. She was indicted on a felony charge because the benefit for a paid claim would have been more than $300.

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The case was investigated by the Kentucky Department of Insurance Fraud Investigation Division.

A pre-trial conference is scheduled for Aug. 18 in Jefferson Circuit Court. If found guilty, Schierer faces a prison sentence of one to five years; a fine of $10,000 or twice the amount of gain; or both a prison sentence and a fine.

The Department of Insurance is an agency of the Public Protection Cabinet.

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Charlie Pinson Insurance KY is a Kentucky independent insurance agency representing many companies including AIG, Farmers, Hartford, Progressive Insurance, Safeco Insurance, and Dairyland Sentry.

Pikeville KY Health Screening Offered Tomorrow

National College’s Pikeville Campus to Host Community Health Fair
Event will offer free health screenings

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PIKEVILLE, KY – The Pikeville Campus of National College (www.national-college.edu; 606-478-7200), located at 50 National College Boulevard, will host a community health fair on Thursday, July 17 from 1:00 p.m. to 5 p.m.

Free health screenings will be offered including vision, skin damage, blood pressure, glucose, and cholesterol. Consultants will also be available for smoking cessation, weight loss, personal training, and healthy tanning. The college’s medical students will be on hand for osteopathic manipulation.

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The Pike and Floyd County Health Departments will offer two fascinating exhibits. Entertainment will be provided by WXCC 96.5 and 93.1 WDHR. Admission to the fair is free and refreshments will be provided.

The Pikeville campus has served the area since 1975 and offers a career-oriented education. Students may choose from five associate degree programs, or eleven short-term diploma programs in business, computers, and health care.

National College operates a total of 24 campuses in Virginia, Kentucky, Tennessee, Ohio, and Indiana, serving more than 10,000 students annually.

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Charlie Pinson Insurance KY,  and it's sister agencies  Triple B Insurance  and C & B Insurance, are Kentucky Independent insurance agencies offering a variety of products and services including Kentucky Health Insurance, Kentucky Car Insurance and Kentucky Life Insurance.

Teens off too college? Beware Scholarship Scams

Kentucky Higher Education Assistance Authority

June Financial Aid Tip of the Month

Parents of college-bound students probably hear a lot of sales pitches from companies that promise to help find financial aid to pay for college.

There’s no need to pay for this kind of information. It may be obtained free by working with your guidance counselor, checking out sources in the library, doing free online scholarship searches or contacting the financial aid office of the college you plan to attend. GoHigherKY.org, the state’s one-stop college planning Web site, also offers a free scholarship search.

If you decide to use a company to help you find financial aid, make sure you’re dealing with a reputable one. The Federal Trade Commission cautions students to be especially skeptical about scholarship search companies and Web sites that make these claims.

· “You’ve been selected by a national foundation to receive a scholarship.” Check with a guidance counselor or The Foundation Center at www.fdncenter.org to find out if the foundation is legitimate. Be especially wary if you receive notification that you’re a finalist in a scholarship contest you didn’t enter.



· “We’ll do all the work.” It’s highly unlikely that the company will fill out all the applications for all the financial aid sources it sends you.



· “I just need your credit card or bank account number to hold this scholarship.” Never give these numbers to a person or company with which you are unfamiliar. You could find your credit card maxed out and your bank account cleaned out.



· “This scholarship will cost some money.” Some legitimate scholarships do have upfront fees, but no more than $5 or $10.



· “You’re guaranteed to get money for college or your money back.” Read the fine print. If it sounds too good to be true, it probably is.



To learn how to plan and prepare for higher education, visit www.GoHigherKY.org. For more information about Kentucky scholarships and grants, visit www.kheaa.com; write KHEAA, P.O. Box 798, Frankfort, KY 40602-0798; or call (800) 928-8926, extension 7381.

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MRSA Staph risks for kids

MRSA: What You Need to Know to Protect Your Child

Methicillin-resistant staphylococcus aureus (MRSA) has been making headlines throughout the country. MRSA is a drug-resistant strain of staph infection.
Staph is a common bacteria that lives on our bodies. Staph bacteria are harmless unless they enter the body, usually through a cut or other wound. Staph infections including MRSA are treatable and in healthy adults generally cause only minor skin infections. However in older adults and people who are ill or have weakened immune systems, staph infections can cause serious illness. If left untreated, MRSA can cause serious, even life-threatening infections throughout the body. MRSA is called a superbug because it is a highly drug-resistant strain of staph infection. This strain is resistant to the majority of the antibiotics commonly used to treat staph infections.

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Associated primarily with hospitals and healthcare facilities, MRSA and other staph infection strains are now appearing more frequently in communities. “An important thing to remember is that MRSA is treatable and there are ways to help prevent infection,” said Dr. Kyle Childers, Lexington Clinic Pediatrician.

The best ways for parents to protect their children and themselves from MRSA infection is to take the proper precautions, including:

• Wash your hands- Scrub hands briskly for at least 15 seconds, then dry them with a disposable towel and use another disposable towel to turn of the faucet.



• Keep personal items personal- Avoid sharing items such as towels, sheets, razors, and athletic equipment.



• Keep Wounds Covered- Cuts and abrasions should be kept clean and covered with dry, sterile bandages until they heal.



• Use antibiotics properly- Finish all medication, even if the infection seems to get better. Improper use of medication contributes to resistance.


MRSA infections generally begin with minor skin problems. Closely watch minor skin problems- pimples, boils, insect bites, cuts and scrapes. Watch for signs of infection especially in children and older adults including: Redness, swelling, warmth, tenderness, pus drainage and fever.

If you suspect an MRSA infection, contact your doctor. If you or your child test positive for staph infection, ask that the culture be further tested for MRSA. “Good hygiene is still your child’s best defense. Good hand washing habits as well as proper wound treatment and antibiotic use will greatly reduce your child’s likelihood of contracting MRSA.” continued Childers.

For more information, please contact the   Pediatrics Department at Lexington Clinic  at 859.258.4000.

Lexington Clinic is a private, primary and specialty-care group practice with over 150 providers in 32 specialties working in locations throughout Central Kentucky. Lexington Clinic was founded in 1920 and operates offices in Corbin, Georgetown, London, Nicholasville and Richmond, as well as Lexington, KY.

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Lexington KY Free Diabetes Support Groups

Support Groups offer insight and companionship

The Lexington Fayette County Health Department offers free "Living Well with Diabetes" support groups on a regular basis.

The Second Monday of each month, a group meets at the Senior Center located at 1530 Nicholasville Rd. The next meeting will be Monday, July 14 from 11 am to 12 noon.

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The Fourth Thursday of each month, an English/Spanish bilingual group meets at the Bluegrass Community Health Center at 1306 Versailles Road. The meeting begins at 6 PM and ends at 7:30 PM.

Drop-ins are welcome.

More information about Lexington KY Health Department

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Louisville Gas Prices being Scrutinized

Attorney General Jack Conway announced that his Office of Consumer Protection is launching an investigation into abnormally high gas prices in Louisville.

“When market participants and experts are telling us this is unusual; when Louisville consumers are paying some of the highest prices for gasoline in the region, I feel it is imperative to find out if those prices are simply a function of the market or if something unlawful is taking place to manipulate prices,” General Conway said.

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Gas prices in Louisville are currently averaging almost $4.30 per gallon, almost

30 cents more per gallon than other parts of the state.

Louisville retailers are required to fill their stations with reformulated gas (RFG) during the summer months because of an agreement with the U.S. Environmental Protection Agency to meet federal air-quality standards. Northern Kentucky retailers must also stock their stations with RFG as part of a similar agreement, but retail prices in that part of the state are about 18 cents per gallon less than Louisville. Regionally, St. Louis must also use RFG and retail prices there are averaging $3.80 to $3.90 per gallon.

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According to industry experts, RFG is more expensive to produce, but only 5 to 8 cents per gallon more than conventional gasoline. Retailers in Louisville report that they are paying wholesalers 20 to 25 cents more per gallon for RFG when compared to conventional gas.

“Our investigators have been told by various market participants and government officials that these gas prices are abnormally high relative to other markets, so I feel it is in the public interest to determine if a violation of the Consumer Protection Act has occurred, why prices are higher in Louisville and whether any laws have been violated,” General Conway said.

The Attorney General’s Office is currently compiling and reviewing data from industry sources, commercial agencies and the Kentucky Division of Air Quality. Investigators will be looking for trends that may indicate whether any violations of the Consumer Protection Act or state anti-trust laws may have been committed.

Under the Consumer Protection Act (KRS 367.240-250), if the Attorney General believes that the law has been or may be violated, or that it is in the public interest to determine whether a violation has or may occur, he may issue subpoenas and/or civil investigative demands to wholesalers operating in Louisville.

“The Consumer Protection Act prohibits ‘unfair, false, misleading or deceptive acts or practices’, and I will be determining whether any such acts occurred,” General Conway said.

The Consumer Protection Act and anti-trust statutes provide for injunctive relief, as well as restitution and civil penalties.

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Filed for Kentucky Unemployment Insurance?

More than 36,000 Kentuckians may qualify for 13-week unemployment insurance extension

FRANKFORT, Ky. — Kentuckians who have filed their unemployment insurance claim on or after May 7, 2006 and have exhausted those benefits and are currently unemployed may be eligible for up to 13 weeks of extended benefits, according to the Kentucky Office of Employment and Training, an agency in the Kentucky Education and Workforce Development Cabinet.

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More than 36,000 Kentuckians may be eligible for the additional unemployment benefits, said Division of Unemployment Insurance Director Tony DeName. Individuals who are potentially eligible for the federally funded extended benefits program will be notified by mail.

The weekly benefit amount for extended benefits will be the same as the person received for regular unemployment compensation during the original 26-week period. The maximum amount of benefits is $415 a week and depends on the person’s prior earnings. Potential candidates may apply until March 22, 2009.

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“Governor Beshear signed the agreement with the U.S. Department of Labor on July 1, 2008. Kentucky was one of the first states in the nation to return the agreement to Washington. The program is effective with the week beginning July 6, 2008. You may file your claim for benefits on line at www.kewes.ky.gov beginning Wednesday July 9, 2008, or you may use the call center 859-547-3362 to file. However, this is not at toll-free call,” said DeName.

OET helps individuals prepare for, secure, and maintain employment; assists employers in locating and selecting the best qualified workers for their job openings; and provides income maintenance to ease the financial burden on individuals who are out of work through no fault of their own.

The Kentucky Education and Workforce Development Cabinet coordinates learning programs from P-16, and manages and supports training and employment functions in the Department for Workforce Investment. For more information about our programs, visit   www.educationcabinet.ky.gov  or   www.workforce.ky.gov, 
or call 502-564-6606.

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New Median Cables in Louisville KY area

GOVERNOR BESHEAR ANNOUNCES PLANS TO ADD MEDIAN CABLE BARRIERS IN FIVE COUNTIES

FRANKFORT, Ky. — Gov. Steve Beshear, taking action to save lives on Kentucky roads, today announced plans to add 44.2 miles of median cable barriers on sections of two heavily traveled divided highways.

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“Protection of human health and safety is a fundamental responsibility of government,” the Governor said. “We are committed to making our highways safer, and I am convinced that this action I’m announcing today will result in lives saved and many serious injuries prevented.

“This is a first step in identifying problem ‘crossover’ crash areas on our interstate system. As additional money becomes available, we will continue to address priority areas,” the Governor said during news conferences in Louisville and Munfordville.

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Under the Governor’s plan, the Kentucky Transportation Cabinet will carry out the $10.8 million project in five sections.

One is KY 841 in Jefferson County, a 10.2-mile stretch of the Gene Snyder Freeway. It is the only part of the Snyder now lacking cable barriers in a median.

Four sections – totaling 33.9 miles – are along Interstate 65 in Bullitt, Hardin, Hart and Barren counties.

Median cables are a form of guardrail, designed to prevent crossover collisions on divided highways. Kentucky first installed median cables in September 2006 and now has 52.1 miles of median cables on sections of I-64 and I-265 in Jefferson County, I-71 in Jefferson and Oldham counties, and New Circle Road in Fayette County.

The cable barriers in  Jefferson County  have been struck 326 times by vehicles, preventing an estimated 269 potential crossovers. In Fayette County, barriers have been struck 59 times, with 30 potential crossovers prevented.

Sites for additional cable barriers were selected following an analysis of highway crash data ordered by Transportation Secretary Joe Prather.

“For some months, we have been committed to increased use of median cable barriers but wanted to ensure they were being placed where they could do the most good,” Prather said.

Future cable barrier projects:

• Hardin, I-65, 7.8 miles, from mile point 80.5 to 88.3 (Sonora, Glendale area)


• Hardin, I-65, 9.4 miles, from mile point 91.1 to 100.5 (Includes Muldraugh Hill)


• Jefferson, KY 841, 10.2 miles, from mile point 0 to 10.2 (Gene Snyder Freeway from I-65 to Dixie Highway)


• Hart and Barren, I-65, 10.5 miles, from mile point 52.4 to 62.9 (Horse Cave area)


• Bullitt, I-65, 6.2 miles, from mile point 109.4 to 115.6 (From KY 480 to Jefferson County line)

Current locations of cable barriers:

• Jefferson, I-64, 2.9 miles, from mile point 8.7 to 11.6


• Jefferson and Oldham, I-71, 11.6 miles, from mile point .02 to 11.6


• Jefferson, I-265, 25.1 miles, from mile point 10.2 to 35.3 (Gene Snyder)


• Jefferson, I-64, 1.5 miles, from mile point 6.3 to 7.8


• Fayette, KY-4, 11.1 miles from 6.7 to 14.9 (New Circle Road)

(Editors note: Because of New Circle Road’s configuration, with Nicholasville Road being at mile point 0.0, mile points do not correspond to 11.1 miles.)

###

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Charlie Pinson Insurance KY is an independent insurance agency representing many Kentucky Car Insurance companies including Progressive Insurance, AIG, Hartford, Safeco Insurance, Travelers, Farmers, and Dairyland. Serving all of Kentucky, Charlie Pinson has been in business for over ten years. To learn more about our agency click Charlie Pinson Insurance KY

Kentucky Fourth of July Vehicle Fatalities

Six Die on Kentucky Roadways During Four-Day July 4th Holiday Period

(FRANKFORT, Ky.) - Preliminary statistics* indicate that six people died in six separate crashes on Kentucky roadways during the four-day July 4th Holiday period, Thursday July 3 (6:00 p.m.) through Sunday, July 6, 2008 (11:59 p.m.).

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Three of the fatalities involved motor vehicles and one of those victims was not wearing a seat belt. Motor vehicle crashes occurred in Graves, Harlan and Union counties. One of the crashes involved the suspected use of alcohol.

Two ATV fatalities occurred and both involved the suspected use of alcohol. The crashes occurred in Hopkins and   Pike counties.  Neither victim was wearing a helmet. One motorcycle fatality occurred in  Jefferson county.

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Through July 6, preliminary statistics* indicate that 379 people have lost their lives on Kentucky roadways during 2008. This is 56 fewer than reported for this time period in 2007. Of the 296 motor vehicle fatalities, 186 victims were not wearing seat belts. Of the 38 motorcycle fatalities, 21 were not wearing helmets. Thirteen people have been killed in ATV crashes and twelve of those victims were not wearing helmets. Thirty-one pedestrians have been killed. A total of 74 fatalities have resulted from crashes involving the suspected use of alcohol.

Citizens can contribute to highway safety by reporting erratic drivers to the Kentucky State Police toll-free at 1-800-222-5555. Callers will remain anonymous and should give a description of the vehicle, location, direction of travel and license number if possible.

*These statistics are still preliminary as KSP waits for all local law enforcement agencies throughout the state to report any crashes and fatalities that may have occurred in their areas

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A Kentucky independent insurance agency,  Charlie Pinson Insurance KY  serves all of Kentucky including  Louisville KY  Lexington KY   and   Pikeville Ky.

Kentucky Teen Drivers Keeping Young Drivers Safe

Kentucky Teenagers & Safe Cars

Learn about Safeco's Insurance Teensurance Safety Beacon

If your teenager has just gotten a driver's license, it may be hard to imagine handing over the keys to your brand new car, but that may be the smartest vehicle to choose.

The first years teenagers spend as drivers are very risky. In fact, teen drivers have the highest death rates of any age group. In 1997 alone, more than 5,700 teenagers died in motor vehicle crashes, and many more were left severely and permanently injured by crashes.

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While getting a driver's license is an exciting rite-of-passage for teens, it can be enough to make a parent frantic. However, the Insurance Institute for Highway Safety (IIHS) and the Insurance Information Institute (I.I.I.) say there is something worried parents can do to protect their teens—choose a safe vehicle.

Avoid vehicles that encourage reckless driving. Teen drivers not only lack experience, but may also lack maturity. As a result, speeding and reckless driving are common.

Sports cars and other vehicles with high performance features, such as turbocharging, are likely to encourage speeding. Choosing a vehicle with a more sedate image will reduce the chances your teen will be in a speed-related crash.

Don't let your teen drive an unstable vehicle. Sport utility vehicles, especially the smaller ones, are inherently less stable than cars because of their higher centers of gravity. Abrupt steering maneuvers—the kind that can occur when teens are fooling around or over-correcting a driver error—can cause rollovers where a more stable car would, at worst, skid or spin out.

Pick a vehicle that offers good crash protection. Teenagers should drive vehicles that offer state-of-the-art protection in case they do crash.

Don't let your teen drive a small vehicle.Small vehicles offer much less protection in crashes than larger ones. However, this doesn't mean you should put your child in the largest vehicle you can find. Many mid- and full-size cars offer more than adequate crash protection. Check out the safety ratings for mid-size and larger cars.

Avoid older vehicles. Most of today's cars are better designed for crash protection than cars of six to ten years ago. For example, a newer, mid-size car with airbags would be a better choice than an older, larger car without airbags. Before you make a final choice on the car your teenager will drive, consult the U.S. Department of Transportation ( http://www.dot.gov ) or the Insurance Institute for Highway Safety ( http://www.iihs.org ).

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Understanding your Auto Insurance Policy

What is covered by a basic auto policy?

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Your auto policy may include six coverages. Each coverage is priced separately.

1. Bodily Injury Liability

This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

2. Medical Payments or Personal Injury Protection (PIP)

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

3. Property Damage Liability

This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

4. Collision

This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you'll also be reimbursed for the deductible.

5. Comprehensive

This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.

Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.

Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

States do not require that you purchase collision or comprehensive coverage, but if you have a car loan, your lender may insist you carry it until your loan is paid off.

6. Uninsured and Underinsured Motorist Coverage

This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.

Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

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