Saving Money At the Pump

Gas prices hitting Kentuckians in the Pocketbook

Is it just me or is gas prices spilling over into all aspects of our lives? For instance, at the grocery store I am used to the shelves being stocked to biblical proportions "heaped up, pressed down, and running over." Not only are the shelves not stocked, they are on the verge of "empty" on many items. Ask store management, and they tell you vendors stock less frequently due to fuel costs. Not only are the shelves less than overflowing, but prices are going up, up, up. It's a pinch on the pocketbook!

At our Kentucky insurance office  we are seeing more of our office pays take advantage of our Internet online pay options. I miss seeing some of them, but again it's more economical to pay online, than drive to our office.

On the home front, we have been building. Costs of lumber is going up, chiefly due to fuel expenses. Materials are not even delivered "as needed," now they wait until they have a full load. Yes, I understand the fuel economy but when you have contractors with no materials, it is no economy for me.Whaaa!

So what can I do to economize my fuel costs and make consumption more efficient?

• Check your tires to make sure they are inflated properly.


• On pretty days, lay off the air conditioner. Roll down your car windows and let the breeze blow your hair. Forget about your dignity! Buy a comb.


• Combine trips. I have been amazed how many gallons of gas I have saved by running all my errands at once. Not only does it save gas, it saves me time...something I have precious little of!


• My metro friends in Lexington  and   Louisville,  avoid traffic snarls and lots of stopping and starting. Take the back way. Get off the expressway...if you are travelling over 60 mph you are wasting fuel anyway.


• Get a tune up. Make sure your vehicle is in tip-top running condition for best fuel efficiency.


• This one surprised me, but empty out your trunk if you are carrying allot of "extra baggage." The more you carry, the more energy you expend.

Are you a visual person? Check out this site which has an interactive car graphic that allows you to analyze all parts of your car and see what you can do to save your Kentucky gas dollars.

Other resources

Myths about saving gas

Fine Living saving gas


CNN Best Fuel Efficient Cars

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A Kentucky insurance agent, Joyce Pinson hates to drive. She is very good at carpooling and planning efficient errand running.   Click for more Kentucky Insurance Consumer Tips.

Pool and Spa Safety Tips Protecting Your Kids

Safe Kids Issues Pool and Spa Safety Reminder

Media Contact: Mary Margaret Colliver, (859) 361-1887

LEXINGTON, Ky. (May 22, 2008) –Safe Kids Fayette County, led by UK HealthCare's Kentucky Children's Hospital, is reminding families about the serious risk of child drownings in pools and spas.

With pool season unofficially opening during Memorial Day weekend, the Neighborhood Safety Network (NSN), a project of the U.S. Consumer Product Safety Commission (CPSC), reports there has been an increase in drownings.

The report indicates the national average number of drowning deaths involving children younger than 5 in pools and spas has increased from a yearly average of 267 (for 2002-2004) to 283 (for 2003-2005), with most of the incidents involving 1 to 2 year olds.

"Drowning occurs more commonly when children get access to the pool during a short lapse in adult supervision" said Sherri Hannan, coordinator of Safe Kids Fayette County. "To reduce the risk of drowning, pool owners should adopt several layers of protection, including physical barriers, such as a fence completely surrounding the pool with self-closing, self-latching gates to prevent unsupervised access by young children. If the house forms a side of the barrier, use alarms on doors leading to the pool area and/or a power safety cover over the pool."

Hannan says parents should use these tips to help prevent drowning deaths:

• Since every second counts, always look for a missing child in the pool first. Precious time is often wasted looking for missing children anywhere but in the pool.


• Don't leave toys and floats in the pool that can attract young children and cause them to fall into the water when they reach for the items.


• Inspect pools and spas for missing or broken drain covers.


• Do not allow children in a pool or spa with missing/broken covers. Inserting an arm or leg into the opening can result in powerful suction and total body submersion/drowning.


• For above-ground and inflatable pools with ladders, remove or secure the ladder when the pool is not in use.


• It is important to always be prepared for an emergency by having rescue equipment and a phone near the pool. Parents should learn CPR.

New CPSC data also shows that between 1999 and 2007 there were 74 reported incidents involving entrapment, resulting in nine deaths and 63 injuries. Six of the deaths occurred in pools and three occurred in spas and all of the deaths except for one involved children 14 or younger. These entrapment incidents involve being trapped by the force of suction at the drain and can occur because of a broken or missing outlet cover.

Parents, caregivers, and pool owners are encouraged to make safety a top priority at the pool and spa. The new “Partners in Drowning Prevention” PDF poster is available.

Safe Kids Fayette County works to prevent accidental childhood injury, the leading killer of children 14 and under. Its members include health professionals, school, police and fire officials, and community leaders. Safe Kids Lexington is a member of Safe Kids Worldwide, a global network of organizations dedicated to preventing accidental injury. Safe Kids Lexington was founded in 1993 and is led by UK HealthCare's Kentucky Children's Hospital. For more information, contact Safe Kids Lexington at (859) 323-1153.

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Charlie and I first became acquainted with the Safe Kids program through our work with local Kentucky Kiwanis Clubs. Our Kentucky insurance agency personal lines manager, 
Mark Frantom  is in-line to be president of our local Kiwanis club.

Kentucky Highways 100 Deadly Days of Summer

By Rodney Brewer, Kentucky State Police Commissioner
Date of News Release: 05/15/2008

(Frankfort, KY) - Many families plan summer vacation road trips which include scenic areas within the Commonwealth that are a convenient driving distance from home. This vacation time frame is often referred to by law enforcement as the "100 Deadly Days of Summer," part of a national enforcement campaign that targets aggressive drivers. The time period from Memorial Day to Labor Day represents one of the most dangerous and deadliest times of year on our nation's highways. An overarching reason is the significant jump in alcohol-related traffic crashes and fatalities.

Impaired driving is one of America's deadliest problems. The National Highway Traffic Safety Administration (NHTSA) states that an average of 36 fatalities occur each day on America's roadways as a result of crashes involving an alcohol-impaired driver. Every 30 minutes, someone in America dies in an alcohol-related crash, and more than 300,000 are injured each year. Statistics reveal that about three in every 10 Americans will be involved in an alcohol-related crash at some point in their lives.

During the Commonwealth's peak travel season, we must call awareness to the need for increased driver safety. With rare exception, the vast majority of vehicle crashes are preventable. The Kentucky State Police (KSP) can help stem the tide, but we also need every Kentuckian's cooperation. KSP has a toll free number (800.222.5555) that motorists can call to report impaired, aggressive or unsafe drivers.

Seat belt usage is the single most effective action you can take to protect yourself in a vehicle crash. Seat belt use reduces the risk of sustaining a fatal injury by 45 percent in a car and 60 percent in a light truck. Additionally, 60 percent of passengers killed in traffic crashes are not wearing seat belts. As of May 1, 2008, a total of 224 people have lost their lives on Kentucky's roadways. Of the 224 motor vehicle fatalities, 125 were not wearing seat belts and 47 were the result of crashes involving the suspected use of alcohol.

Kentucky Highway Safety Tips

Despite record gas prices, the American Automobile Association (AAA) predicts that nearly 39 million drivers across the United States will hit the road during each Memorial Day, Fourth of July and Labor Day holiday weekends. If you're going to be one of the countless people behind the wheel, here are a few safety tips you should know:

Obey speed limits. Excessive speed reduces your ability to avoid a crash, extends your vehicle's stopping distance and increases the severity of a crash when it occurs.

Don't tailgate. Follow other vehicles at a safe distance. If you find yourself being tailgated, don't hit the brakes. Slow down gradually and let the other vehicle pass you.

Avoid aggressive driving behaviors such as passing on the shoulder of the road, changing lanes without signaling, violating traffic signals and weaving in and out of traffic.

Avoid or minimize in-car distractions such as cell phone use, changing tapes or CDs, or eating.

Get enough sleep. Sleep deprivation and fatigue can cause lapses in attention, slowed awareness and impaired judgment.

Take frequent breaks to keep alert during long distance trips.

Be extra cautious around large trucks. They have large "blind spots" and much longer stopping distances than passenger cars.

Please do your part to be safe and remember that 80 percent of crashes occur within 20 miles of home at speeds of 45 miles per hour or less. About 40 percent of all fatal crashes occur on roads where the speed limit is 30 miles per hour or less. These tips will increase your chances of survival and reduced speed will also increase your fuel mileage.

The Kentucky State Police, in conjunction with local law enforcement will be out in force conducting safety check points, saturation patrols on interstates and local highways with emphasis on high-crash locations throughout the summer. Do your part not to be a statistic during this dangerous time period by buckling up and driving the speed limit.

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Safe Driving Tips for Memorial Day

Kentucky State Police Working Overtime During Memorial Day Weekend

Date of News Release: 05/21/08

(FRANKFORT, Ky.) - Traffic on the state's roadways is expected to increase significantly during the upcoming Memorial Day weekend, which traditionally marks the beginning of the summer driving season. Accordingly, the Kentucky State Police plans to intensify its traffic safety efforts from 6 p.m. on Friday, May 23, through 11:59 p.m. on Monday, May 26.

To increase your chances of surviving highway travel during this dangerous holiday, KSP offers this simple advice: slow down, buckle up and don't drive while impaired by drugs or alcohol.

"Last year, there were 835 crashes in Kentucky during the Memorial Day weekend," says KSP Commissioner Rodney Brewer. "Eight people lost their lives and 355 were injured. Many of these fatalities and injuries might have been avoided if the drivers had slowed down, buckled up and avoided the use of drugs and alcohol."

"As of May 18, a total of 270 people have lost their lives on Kentucky's roadways in 2008," says Capt. Tim Lucas, commander of KSP's Highway Safety Branch. "Of the 220 motor vehicle fatalities, 142 were not wearing seat belts and 50 were the result of crashes involving the suspected use of alcohol."

Lucas points out that, according to the National Highway Traffic Safety Administration (NHTSA), using a seat belt is the single most effective action you can take to protect yourself in a vehicle crash. Seat belt use reduces the risk of sustaining a fatal injury by 45 percent in a car and 60 percent in a light truck. It also reports that 60 percent of passengers killed in traffic crashes are not wearing seat belts.

Lucas also reminds motorists that Kentucky has a zero tolerance policy regarding driving while impaired by alcohol. "Although driving with a blood alcohol level of .08 is illegal, you can also be arrested for lower levels if you are under 21 years of age or operating a commercial vehicle," he explains. "If you are going to drive, it's best not to consume any alcohol at all."

"Even first time violators face immediate arrest, which can result in court costs, legal fees, higher Kentucky auto insurance rates, fines, loss of license and even imprisonment," he adds.

As part of the "Click It or Ticket" campaign, which started May 19 and continues through June 1, state troopers will be working overtime during the Memorial Day holiday. Operations will include increased saturation patrols and traffic safety checkpoints and coordinated enforcement activities with local police and sheriff's departments for maximum coverage.

KSP reminds motorists that Kentucky law requires them to slow down and use caution when they see a law enforcement or emergency vehicle stopped alongside the road with its lights flashing. They must move over to the lane farthest away from the vehicle if they are on a four-lane road with two lanes proceeding in the same direction and can do so safely.

Motorists should also be aware that the back seat is the safest place for children to sit, especially in vehicles equipped with passenger-side air bags. Infants and toddlers should never ride in the front seat of a vehicle with a passenger-side air bag. Parents should always be sure that their child's safety seat has been properly installed in the vehicle according to the manufacturer's instructions.

Kentucky law requires all children 40 inches in height or less to be buckled into a child safety restraint seat that meets federal standards. Children over 40 inches tall must wear a seat belt. Violators face a $50.00 fine with an additional $10.00 fine donated to the Traumatic Brain Injury Trust Fund.

According to NHTSA, properly installed child safety seats reduce the risk of death by 71 percent for infants and 54 percent for toddlers in passenger cars.

Kentucky law makes the driver responsible for assuring that all occupants of the vehicle are properly restrained. Violation of this law will result in a fine not to exceed $25.00.

Other tips recommended by KSP for safe road travel include:

• Slow down in roadway construction zones. Watch for lane closures and merge well before the actual closure. Look for orange warning signs, follow posted speed limits, leave adequate space between vehicles, watch for workers and sudden stops and be prepared for changing road surfaces and traffic patterns.


• Avoid aggressive driving behaviors such as passing on the shoulder of the road, changing lanes without signaling, violating traffic signals and weaving in and out of traffic.


• Expect the unexpected. Watch traffic around you and be prepared to react. Scan the road ahead for potential hazards.


• Watch for road debris such as tire treads, garbage, lumber, gravel, tree limbs, mufflers and exhaust parts.


• Take extra care on rural roads with 55 mile per hour speed limits.

"Please do your part to be safe," says Brewer. "Remember, three out of four crashes happen within 25 miles of home at speeds of 45 miles per hour or less. About 40 percent of all fatal crashes occur on roads where the speed limit is 30 miles per hour or less."

Citizens can further contribute to highway safety during the holiday period by reporting erratic drivers to the KSP toll-free hotline 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.

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The staff of Charlie Pinson Insurance KY  wishes all a safe Memorial Day holiday. We will return to our Kentucky insurance office on Tuesday.

Kentucky Senior Citizens urged to get Shingles Vaccine

May 15, 2008 Contact: CDC Division of Media Relations

CDC Recommends Shingles Vaccine

People age 60 and older should be vaccinated against shingles, or herpes zoster, a condition often marked by debilitating chronic pain, the Centers for Disease Control and Prevention (CDC) recommended today.

CDC recommends a single dose of the zoster vaccine, Zostavax, for adults 60 years of age and older even if they have had a prior episode of shingles. The new full recommendation replaces a provisional recommendation that the CDC made in 2006, after the vaccine was licensed by the U.S. Food and Drug Administration and recommended by the CDC’s Advisory Committee on Immunization Practices (ACIP), a committee of immunization experts who advise CDC on immunization policy.

The recommendation was published in an early release electronic edition of CDC’s Mortality and Morbidity Weekly Report (MMWR) Recommendations and Reports. The ACIP recommendation becomes CDC policy once it is published in the MMWR.

Researchers found that, overall, in those ages 60 and above the vaccine reduced the occurrence of shingles by about 50 percent. For individuals ages 60-69 it reduced occurrence by 64 percent. The most common side effects in people who received Zostavax were redness, pain and tenderness, swelling at the site of injection, itching and headache.

Over 95 percent of people are infected by the varicella zoster virus (VZV), during their lifetime. The virus causes the common childhood disease chickenpox and then becomes dormant within the nerves. If it reactivates later in life, the result can be shingles. Shingles is characterized by clusters of blisters, which develop on one side of the body in a band-like pattern and can cause severe pain that may last for weeks, months or years. About one in three persons will develop shingles during their lifetimes, resulting in about one million cases of shingles per year.

Chickenpox (also called varicella) is usually mild, but it can be serious, especially in young infants and adults. Children who have never had chickenpox should get two doses of chickenpox vaccine starting at 12 months of age. The risk of contracting shingles increases with age starting at around 50, and is highest in the elderly. Half of people living to age 85 have had or will get shingles. The risk of experiencing chronic pain also increases with age.

Shingles Facts

• Anyone who has had chicken pox can get shingles. That means 95 percent of adults are at risk.


• Approximately one-third of the U.S. population will get shingles.
  
• More than half of older adults do not understand the seriousness of shingles and its complications.


• Among those who get shingles, more than one-third will develop serious complications. The risk of complications rises after 60 years of age.


• Appropriate and immediate treatment of herpes zoster can control acute symptoms and reduce the risk of longer term complications. Starting anti-viral medication within 72 hours of the onset of shingles can reduce the pain and the length of time the outbreak lasts.

For more information about the
shingles vaccine, please visit this website.
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Senior Citizens being targeted in Insurance Scam

NEWS RELEASE from Kentucky Office of Insurance provided on this blog by   Kentucky Health Insurance Agents at Triple B Insurance

CONSUMERS WARNED OF SCAMS ASKING FOR PERSONAL DATA

Agency advises consumers to hang up on suspicious callers

FRANKFORT, Ky. (May 16, 2008) – The Kentucky Office of Insurance (KOI) has received reports of several scams and is warning consumers to take extra precautions to protect financial information.

Consumer advocates, police departments and other agencies across the country are warning about a variety of scams coming from a Bismarck, N.D., telephone number - 701-221-2212.

A woman in Louisville told an investigator from KOI’s Consumer Protection and Education Division that she took a call from that number earlier this week. The caller, who identified himself as Sid Johnson, said Medicare was making some changes to its plan and he needed her bank account information to ensure that her Social Security check was properly deposited.

In an effort to prove the call was valid, the man said his Medicare ID # was MD10956J. The Louisville woman said the caller already had some information about her but was missing some key pieces, such as her age. She did not give him any information, hung up and called KOI.

Other scams associated with this number have included the promise of a rebate from the Internal Revenue Service or some other refund or check that can only be received by direct deposit.

Consumers should never give financial information over the phone, particularly if they did not initiate the call, said John Burkholder, KOI acting executive director.

Another scam report came from the Mt. Vernon police department. Several senior citizens in the area reported receiving an automated message that the consumer’s auto insurance was expiring and must be renewed by pressing “1.” When the consumer followed the directions, the next message asked for personal information. This call originated from 702-528-1131, a number in Las Vegas.

“If a call makes you suspicious or uncomfortable, hang up,” said Burkholder. “Government agencies, insurance companies and legitimate businesses would not ask consumers for information using these methods.”

The Office of Insurance is an agency of the Department of Public Protection in the Environmental and Public Protection Cabinet.

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Kentucky Child Safety Seat Check MAY 20 Somerset KY Pulaski County

Pulaski County Safe Kids Grand Opening Today 12 - 3 PM

If you live in Somerset, or are part of the "Ohio Navy", Check out the new Safe Kids Pulaski County chapter today. From Noon until three, the local GM dealership in conjunction with Safe Kids will be doing a Child Car Seat Event at 117 Washington Drive, which is of course the Walmart parking lot off of US 27.

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More about Safe Kids Programs Child Safety Seats and Highway Safety

Safe Kids USA Plans Nearly 500 Child Passenger Safety Events During May

Safe Kids Buckle Up Offers Families Hands-on Educational Activities to Increase Knowledge about Safety In and Around Vehicles

WASHINGTON, D.C. — Safe Kids USA’s local coalitions will conduct nearly 500 child passenger safety events in locations across the country during the month of May. Events will be held in nearly all 50 states, at locations including Chevrolet and other GM dealerships, fire stations, hospitals, retail stores, and insurance offices.

More than 300 of the events will be traditional car seat check-up events, where parents and caregivers learn how to properly secure children in car seats, booster seats and seat belts. Coalitions will also be holding the Automotive Safety Patch program for Cub Scouts, a new element of Safe Kids Buckle Up that teaches families how to keep children safer in and around vehicles.

The program covers proper safety belt and booster seat use, teaching families not to leave their children unattended in a vehicle, safety in and around vehicles and how to contact OnStar in the event of an emergency. Certified child passenger safety technicians from the coalitions will also conduct educational workshops for dealership personnel.

“The Safe Kids Buckle Up program holds vehicle safety events for children and families throughout the year in all parts of the country,” said Torine Creppy, Safe Kids USA’s chief program officer and director of the Safe Kids Buckle Up program. “The sheer number of events scheduled for May shows the commitment of our Safe Kids coalitions and volunteers who dedicate themselves to assuring a safer ride for children across the country.”

Safe Kids Buckle Up is a national program developed by Safe Kids USA and sponsored by the General Motors Foundation and Chevrolet to educate parents and caregivers about the importance of protecting children in and around vehicles at all times. Since 1997, the program has inspected nearly one million car seats, donated approximately 365,000 seats to families in need and educated millions of adults and children through programs such as Spot the Tot and Never Leave Your Child Alone.

In addition, a fleet of more than 130 Mobile Car Seat Checkup Vans serves communities across the United States, more than 450 permanent child safety seat inspections stations are operated by Safe Kids coalitions, and program resources are used to advocate for upgraded child passenger laws in the states.

About Safe Kids Buckle Up

Safe Kids Buckle Up® is a national program developed by Safe Kids USA and sponsored by General Motors Foundation and Chevrolet to educate parents and caregivers about the importance of properly restraining children on every ride. Since 1997, the program has inspected nearly one million car seats; held approximately 45,000 car seat checkup events around the country; donated approximately 365,000 car seats to families in need and educated more than 13 million parents and caregivers. For more information visit: www.safekids.org.

About General Motors

General Motors Corp. (NYSE: GM), the world’s largest automaker, has been the annual global industry sales leader for 77 years. Founded in 1908, GM today employs about 274,000 people around the world. With global headquarters in Detroit, GM manufactures its cars and trucks in 35 countries. In 2007, nearly 9.37 million GM cars and trucks were sold globally under the following brands: Buick, Cadillac, Chevrolet, GMC, GM Daewoo, Holden, HUMMER, Opel, Pontiac, Saab, Saturn, Vauxhall and Wuling. GM’s OnStar subsidiary is the industry leader in vehicle safety, security and information services. More information on GM can be found at www.gm.com.

SPOT THE TOTsm is a service mark of Primary Children’s Medical Center Foundation.

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Our Kentucky Insurance Agency became familiar with the Safe Kids program through our work with the local Kiwanis clubs. We encourage all parents to have their child's safety seats checked.

Louisville KY gets new Heart Doc

Internationally-known Cardiac Surgeon to Join Jewish Hospital and University of Louisville KY

Louisville, Ky. – Mark S. Slaughter, M.D. will join Jewish Hospital and the University of Louisville as Director of the Division of Thoracic and Cardiovascular Surgery, effective August 1, 2008. The appointment at UofL is contingent upon approval from the University’s Board of Trustees.

Dr. Slaughter is director of the heart transplantation and mechanical assist device program at Advocate Christ Medical Center in Oak Lawn, Illinois and holds appointments in the Department of Surgery and Department of Physiology and Biophysics at the University of Illinois, Chicago.

A world-renowned expert in heart transplantation, ventricular assist devices and surgical management of heart failure, Dr. Slaughter earned his B.S. in civil engineering at Purdue University and his M.D. at Indiana University. He completed his residency in general surgery at Northwestern University and fellowship in cardiovascular and thoracic surgery at the University of Minnesota. He is board certified by the American Board of Thoracic Surgery, the American Board of Surgery and the National Board of Medical Examiners.

Dr. Slaughter’s research focuses on vascular assist devices and heart failure, with a strong track record of research funding over the last decade. He has participated in more than 35 clinical trials focused on innovations in cardiac surgery, vascular assist devices, treatments for congestive heart failure and related areas. He has given more than 65 invited lectures, published more than 50 peer-reviewed papers and book chapters and presented more than 85 papers and abstracts at national and international conferences.

Slaughter succeeds Laman Gray, M.D., who is retiring as the Chief of the Division of Thoracic and Cardiovascular Surgery after a distinguished career to focus on his position as Medical Director of the Cardiovascular Innovation Institute, a partnership between the University of Louisville and Jewish Hospital aimed at improving quality of life for patients with cardiovascular disease by building on the success of both organizations’ previous work with ventricular assist devices and artificial hearts.

“Dr. Slaughter is known around the world and brings to this community and our medical team tremendous experience in the field cardiac research,” said Bob Shircliff, Jewish Hospital & St. Mary’s HealthCare CEO. “Dr. Gray has been a pioneer in innovative heart procedures, and we’re looking forward to continuing our work with him at the Cardiovascular Innovation Institute. I’m confident that Dr. Slaughter will provide us similar leadership in heart care and that he will help Jewish Hospital continue to be recognized among the top 50 hospitals in the U.S. in quality care in heart and heart surgery as reported by US News and World Report .”

“I have every expectation that Dr. Slaughter will provide the type of senior leadership that will take this program to new heights, building on the tradition of excellence established by Dr. Gray. He understands and is committed to our vision for outstanding education – particularly in our cardiothoracic residency program – groundbreaking research and compassionate, leading-edge patient care,” said Kelly McMasters, M.D., Ph.D., Sam and Lolita Weakley professor and Chairman of UofL’s Department of Surgery.

“Dr. Slaughter is an outstanding cardiac surgeon and will advance University of Louisville's and Jewish Hospital's cardiac surgery,” said Dr. Gray. “His expertise in mini invasive coronary artery and valve surgery will bring new expertise to the community. In addition, he is one of the outstanding surgeons in cardiac transplantation and circulatory support in this country.”

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Don't Stay In Car when Tornadoes are on the Way

Kentucky Tornado Safety

Growing up in Northern Kentucky, my high school usually conducted tornado safety drills a couple of times a year. Later, when I was a student at Lexington's UK, I worked for the Agricultural Weather Center. When tornadoes were near campus and everyone else was heading for cover, I was heading to the weather center to get the news online for our Kentucky farmers. I guess I am a storm junkie.

Nevertheless, I know if there are tornadoes and I am in a car it is best to take cover. Find a strong structure and get inside; do not stay in your car. A vehicle is no match for a tornado!

Read the Insurance Journal's Article on Tornados and Cars

Fema offers Tornado Safety tips at their site. If you are driving or a passenger in a car, do not try to outrun the storm. If you can get to a strong shelter quickly, do so. If you need to act immediately, get out of your car and into a ditch or depression. Get LOW, and cover your head with your hands. Do not get under a bridge. Watch out for flying debris, and be careful that the ditch you have chosen doesn't put you in a vulnerable position for storm flooding.

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Joyce Pinson is a Kentucky Health Insurance agent. While Kentucky is perhaps less prone to tornadoes than the breadbasket states of Kansas and Oklahoma, it is important to be informed about tornado safety. Talk to your family about your tornado safety plans.

Pikeville KY State Trooper Crum KSP Trooper of Year 2007

Kentucky State Police Announce Trooper of the Year

Date of News Release: 05/08/2008 Kentucky State Police

(Frankfort, KY) - The Kentucky State Police named Pikeville, Ky.-resident Edward R. Crum "2007 Trooper of the Year" at a ceremony held today at the University Club in Louisville. Thirty-nine other troopers and four private citizens were also recognized for acts of meritorious service and achievement, valor, bravery, life-saving acts, professionalism and dedication to duty.

An 18-year veteran of the Kentucky State Police, Detective Crum is assigned to KSP Post 9 in Pikeville, which covers Floyd, Johnson, Magoffin, Martin and Pike counties.

Capt. Jeff Caudill, commander of Post 9, described Crum as "an aggressive investigator and one of the most highly skilled accident reconstructionists in the state."

In 2007, in addition to his normal investigative workload, Crum conducted 100 collision reconstructions, assisted other KSP troopers with 82 collision investigations and assisted other agencies with 55 collision investigations. He also completed 67 downloads from vehicle electronic control modules to assist in collision investigations. As a member of KSP's Accident Reconstruction Team, he was activated three times.

Crum was also the lead investigator in a series of armed robberies in his post area and his persistence resulted in arrests that are now awaiting prosecution.

A native of Elkhorn City, Ky., Crum is a 1983 graduate of Elkhorn City High School and a 1985 graduate of Mayo State Community College in Paintsville. He is the son of Jim and Brenda Crum of Pike County.

Twenty-one troopers were named Trooper of the Year at the post or branch level. They include:

• Trooper Thomas M. Clifton --Post 1-Mayfield


• Trooper Derek A. Smith--Post 2-Madisonville


• Detective Scott A. Skaggs --Post 3-Bowling Green



• Detective Jon Paul Taylor--Post 4-Elizabethtown


• Trooper Seth B. Willis--Post 5-Campbellsburg


• Trooper Christopher D. Steward--Post 6-Dry Ridge



• Trooper Robert R. Purdy--Post 7-Richmond


• Detective Christopher S. Fearin--Post 8-Morehead


• Detective Edward R. Crum--Post 9-Pikeville KY



• Trooper Walter S. Szczepan--Post 10-Harlan


• Detective Michael Bowling Jr.--Post 11-London


• Trooper First Class Ronald Turley--Post 12-Frankfort



• Trooper Charles J. King--Post 13-Hazard


• Trooper Craig Morella--Post 14-Ashland


• Trooper Fredrick R. Cornett--Post 15-Columbia



• Trooper Thomas M. Hampton, Jr.--Post 16-Henderson


• Trooper First Class Ricky Underwood--Special Operations


• Detective Marcus W. Hopkins--East Drug Enforcement



• Detective Timothy N. Simpson--West Drug Enforcement


• Trooper First Class Mack Rayburn--Administrative Division


• Detective Christopher L. Frazier--Technical Services Division

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Our Kentucky Insurance agency  congratulates all the above troopers on a job well done. We are especially pleased to congratulate Edward "Eddie" Crum, who lives and works in our hometown.Get Kentucky Insurance Quotes.

Kentucky Teen Highway Fatalities

Four Teens Among Traffic Fatalities Last Week (May 5 -11)

Date of News Release: 05/12/08 from Kentucky State Police

(FRANKFORT, Ky.) - Preliminary statistics* indicate that eleven people died in ten separate crashes on Kentucky's roadways from Monday, May 5 through Sunday, May 11, 2008.

Nine of the fatalities were traveling in motor vehicles and six of those victims were not wearing seat belts. One double-fatality crash occurred in Woodford county.

A motorcycle fatality occurred in Fayette county and the driver was not wearing a helmet. A pedestrian fatality was also reported in Fayette county.

Four teens were among the traffic fatalities this week and those collisions occurred in Grayson, Muhlenberg, Scott and Woodford counties.

Single-fatality crashes occurred in Grayson, Hardin, Muhlenberg, Perry, Pike, Scott, and Trigg counties.

Through May 11, preliminary statistics* indicate that 248 people have lost their lives on Kentucky roadways during 2008. This is 49 fewer than reported for this time period in 2007. Of the 203 motor vehicle fatalities, 134 victims were not wearing seat belts. Of the 18 motorcycle fatalities, twelve were not wearing helmets. Twenty-three pedestrians have been killed. Three fatalities involved ATV's and one involved a bicycle. A total of 46 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 Young Drivers

With graduation and prom season upon us, pay close attention when you are behind the wheel. Be sure it buckle-up and drive with caution. ClickKentucky Auto Insurance Quotes  from a Kentucky independent insurance agent.

Kentucky Young Drivers and Kentucky New Graduates

Across the Commonwealth, May is traditionally college graduation month. As new graduates enter the workforce, rent their first apartment, look for their first real job, consider employee benefits, and insure their first car their plate is pretty full. Graduation is a time of celebration; but the "real world" can be overwhelming.

A resource that might be helpful is Insure U-Get Smart About Insurance .  While not specific to Kentucky Insurance, the website by the National Association of Insurance Commissioners is a good starting point for new Kentucky insurance consumers.

There are interactive quiz surveys and thought provoking articles. Of course, consulting a Kentucky Insurance agent can help guide new graduates through the process.

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Charlie Pinson is a Kentucky Insurance agent and part-time Kentucky sportscaster. He is "The Voice of Pikeville College Bears" and is very involved with high school and college athletes. Charlie maintains a Kentucky sports blog focusing on student athletes. His Kentucky Insurance agency offers Kentucky car insurance, renters insurance, life insurance, and a variety of insurances for business professionals.

May is Disability Insurance Month

If you couldn't work; how would your finances fair?

Several news sources have been buzzing about a Harris Interactive poll that indicates is someone became disabled, their first line of defense is retirement savings. Most people have not made preparations for a disability.

Years ago, the industry norm was that disability insurance was the most undersold product in our offerings. Consumers were more apt to buy life insurance than disability insurance; yet the likelihood of disability could be more eminent.

Disability income helps consumers have a bit of financial security. While most products do not replace 100% of an income, they do provide a revenue stream. It could mean the difference between keeping or loosing a home.

MetLife Disability Insurance Calculator

Findings from several different sources indicated that most consumers over estimate the amount of income they potentially could receive from the government. Are you curious about your own situation? The MetLife Disability Insurance Calculator is a good first step in your evaluation process.

This information is presented solely as an educational tool and is not meant to offer financial advice. Always consult an attorney or accountant when working with your finances.

Kentucky Insurance Agent

Charlie Pinson is a licensed representative of MetLife Investors USA Insurance Company, Metropolitain Life Insurance Company, and Met's auto insurance companies.

Smoke Free Laws Don't Impact Employee Turnover

University of Kentucky Media Contacts:
Ann Blackford, (859) 323-6363, x230 Amanda Nelson, (859) 323-6363, x224

LEXINGTON, Ky. (May 7, 2008) − In a recent study published in Contemporary Economic Policy, Ellen Hahn, professor in the University of Kentucky College of Nursing, found that smoke-free laws do not negatively impact employee turnover. The report , “Smoke-Free Laws and Employee Turnover,” was the first of its kind to examine the impact of smoke-free laws on the restaurant labor market.

“We already know from multitudes of other studies that going smoke-free doesn’t hurt business,” Hahn said. “But this is the first one to look at how smoke-free laws may impact employee retention and training.”

The study examined payroll records of a franchisee of a national full-service restaurant chain that operates 23 restaurants in the state of Arizona, a state where several communities have adopted smoke-free laws.

“We thought we might see a short term spike in turnover but we didn’t see that,” said Eric Thompson, associate professor with the University of Nebraska-Lincoln. In fact, they found a decline in the probability of turnover in the initial months after a smoke-free law was implemented as well as evidence that turnover rates were lower 16 to 18 months after implementation. However, over the long-run (a five year period) there was no consistent pattern of either a decline or an increase in employee turnover after the implementation of a smoke-free law.

By focusing on how a smoke-free policy impacted the restaurant workers’ interest or ability to stay on the job, the study supports existing evidence showing that smoke-free laws are positive for business.

“The reactions of the workers to the smoke-free laws showed that they weren’t apt to leave their jobs after their restaurants went smoke-free,” Hahn said.

Health advocates support local smoking ordinances as a public health strategy to enhance the safety of workplaces. But like many safety regulations, smoke-free laws have the potential to introduce economic inefficiencies. One earlier belief was that the introduction of a smoke-free law may cause some workers to leave their jobs at bar and restaurant businesses.

“The concern was that once smoking was no longer allowed, workers would no longer be interested in that particular job," Thompson said. "Ostensibly, when the smoking law changed, the mix of characteristics in their job (such as wages, job responsibilities, the presence of second hand smoke) may have changed and caused people to choose another place of work. But the study did not bear this out.”

Hahn hopes that this study will give the restaurant industry the courage to stop fighting smoke-free laws.

“There’s no reason the hospitality industry should resist smoke-free legislation in light of the huge body of research showing that it doesn’t impact business,” Hahn said.

The Substance Abuse Policy Research Program of the Robert Wood Johnson Foundation funds research into policies related to alcohol, tobacco and illegal drugs.

The Robert Wood Johnson Foundation focuses on the pressing health and health care issues facing our country. As the nation's largest philanthropy devoted exclusively to improving the health and health care of all Americans, the foundation works with a diverse group of organizations and individuals to identify solutions and achieve comprehensive, meaningful and timely change. For more than 30 years the foundation has brought experience, commitment, and a rigorous, balanced approach to the problems that affect the health and health care of those it serves. Helping Americans lead healthier lives and get the care they need—the foundation expects to make a difference in our lifetime.

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Triple B Insurance is a Kentucky health insurance agency offering Kentucky Group Health Insurance and employee benefits. Family and Individual Kentucky health insurance is also available.

Getting Students on the road to financial responsibility

The Hartford offers "Playbook for Life" Broadcaster Dick Vitale to be spokesman

So you have children getting ready for college? So you are in college and want to work on a plan for financial success? You need to check out The Hartford's new Playbook for Life series.  There is a guide for students to do their own financial planning as well as a guide for parents to help talk to their children about being fiscally responsible.

The Hartford's Playbook website features calculators, worksheets and guides to using credit cards.

A webinar by two time All-American from Notre Dame alumni, Allan Pinkett, is also presented. The webinar focuses on financial goal setting, understanding "real world" salaries, and tips for savings and credit.

The Hartford's "Playbook for life" is meant as a general education tool. Always consult a financial advisor when making important life choices.

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Charlie Pinson Insurance KY offers Kentucky Auto insurance through a number of companies including The Hartford. Charlie had the true pleasure of meeting Dick Vitale at a Kentucky health insurance conference several years back. Visit our website for Kentucky Insurance Quotes.

Kentucky Health Insurance Fraud Honesty is the best Policy

NEWS RELEASE Kentucky Office of Insurance
Contact: Ronda Sloan 502-564-6098 502-330-1804 (cell)

FAILURE TO DISCLOSE MEDICAL INFORMATION IS FRAUD

Bowling Green man faces felony charge after allegedly lying about his health

FRANKFORT, Ky. (May 5, 2008) – You are filling out an application for health insurance. Is it okay to shave a few pounds off your weight? To not mention those chest pains and the accompanying trip to the emergency room? What about your history of asthma?

“Lying or leaving out relevant information on an insurance application is fraud,” said John Burkholder, acting executive director of the Kentucky Office of Insurance (KOI). “Often, consumers think those things are minor and don’t matter. That thinking is very wrong.”

The KOI Fraud Investigation Division receives many referrals regarding instances where a consumer has supplied false, misleading or incomplete information on a health insurance application.

Tracy Cardwell, 40, of Bowling Green, recently was indicted on a felony count of insurance fraud after he allegedly completed an Anthem Blue Cross Blue Shield application for individual health insurance, indicating he had no significant health problems. After Anthem accepted Cardwell in the plan, medical records showed he had health conditions that were not disclosed on the application. The company rescinded the policy and received refunds from the providers who had treated Cardwell. He now is responsible for repaying the more than $14,000 paid for his medical care under the Anthem policy.

“Consumers often think that leaving out information can result in a lower premium or will ensure acceptance into a plan. This case underscores the need to be totally truthful on an application. Otherwise, you could pay a lot more in the end,” said Burkholder.

KOI is an agency of the Department of Public Protection

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Triple B Insurance  offers Kentucky health insurance from a number of providers including Anthem Blue Cross Blue Shield.  The Kentucky health insurance agency offers group, individual, family, employee benefits, and short term health insurance.

Fatal Schoolbus Crash Pendleton County KY

KSP Highway Safety Branch News Release

For More Information Contact:

Sherry Bray KSP Highway Safety Branch

Media Coordinator (502) 695-6353

Tragic Week on Kentucky Roadways (April 28 – May 4)

Date of News Release: 05/05/08

(FRANKFORT, Ky.) - Preliminary statistics* indicate that fifteen people died in twelve separate crashes on Kentucky's roadways from Monday, Apr. 28 through Sunday, May 4, 2008.

Ten of the fatalities were traveling in motor vehicles and five of those victims were not wearing seat belts. There were three double-fatality motor vehicle crashes that occurred in Bullitt, Greenup and Livingston counties.

There were two ATV fatalities and both of those victims were not wearing helmets. The fatalities occurred in Knott and Magoffin counties and one was the result of the suspected use of alcohol. One pedestrian fatality occurred in Pulaski county. A bicycle fatality was reported in Jefferson county.

A bus crash occurred in Pendleton county, killing sixteen year old Daniel Wood of Falmouth. The crash occurred on Ky. 22 at Ballinger road when a dump truck crossed the double yellow line hitting the side and back of the bus.

Single-fatality crashes occurred in Christian and Lyon counties.

Through May 4, preliminary statistics* indicate that 236 people have lost their lives on Kentucky roadways during 2008. This is 37 fewer than reported for this time period in 2007. Of the 193 motor vehicle fatalities, 126 victims were not wearing seat belts. Of the 17 motorcycle fatalities, eleven were not wearing helmets. Twenty-two pedestrians have been killed. Three fatalities involved ATV's and one involved a bicycle. A total of 46 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 Insurance Agent, Joyce Pinson grew up near Pendleton County. She spent many hours with Pendleton County 4-H members, Paul Hall and Jill Conrad, who by the way got married and have their own insurance agency. The staff at Charlie Pinson Insuranceextends condolences to the famalies in Pendleton County.

Graduation...Looking for a job?

Interviews and Good Impressions

With graduation around the corner, and the job market being rather tight new graduates need all the "edge" they can get to land a job. To me, some of these tips may seem obvious, but having interviewed many young hopefuls apparently they are not.

• Send out resumes, and don't be afraid to follow up with a phone call.


• Use your connections. Do you know someone who can help you land an interview?


• Do your homework. Learn all you can about the company you are applying to.



• Once you land an appointment, get there on time! I am appalled at how many potential employees show up late for appointments. If you are stuck in traffic, call your contact and explain. That is just common courtesy.



• Dress appropriately and be pressed and clean. Many young people dress too casually for the position they are applying for. If you have doubts, go to the company and watch the folks come out either for lunch, or as they are leaving to go home. Pick your interview clothes accordingly.



• Please, please refrain from perfume and aftershave. Many people are allergic. You want a lingering impression from your dazzling personality; not your trendiest fashion scent.



• Before you walk in to the interview, take a deep breathe and relax. Force yourself to smile; after all your professional career is why you spent all that time in college. Be optimistic and excited!



• Use your interviewers' name, when responding to questions. Look them in the eyes. Keep the interviewer engaged. You are just one in a crowded field. Take positive action to be remembered.



• After the interview, jot off a hand written than you note to the person you interviewed with. Even if you don't get the job, they will remember you and perhaps give your name to someone else who has an opening...or remember you when another position is available. Build your contacts!

Graduating? Need Kentucky Short Term Health Insurance?

Charlie Pinson Insurance KY salutes all Kentucky graduates.

Graduation? Marriage? New Job? New Home? Call your Kentucky Insurance Agent

If your life changes; your insurance agent needs to know

It's crazy how many people don't think to call their Kentucky insurance agent when there is a major life change. With graduation and wedding season upon us, I thought it would be timely to mention a few reasons to get in touch with us; or your existing insurance agent.

• Graduation. If you are moving to a new location, your Kentucky auto insurance agent needs to know. You want important communications to keep up with you to avoid a lapse in coverage.
  
  If you are coming off your parents' health insurance, and either have not found a job or need to get a policy to span the time between when your employee benefits kicks in you may need Kentucky Short Term Health Insurance.



• Getting married? It pays to shop your coverages on Kentucky Car Insurance. Do not assume that adding a spouse to your existing policy is going to be the most economical. Shop with a Kentucky independent insurance agent. Independent agents offer comparisons with a number of companies; helping you find the best value for your money.
  
  What about wedding insurance? Travelers Insurance recently introduced a wedding insurance product in Kentucky. Be sure to insure your big day!
  
  Most importantly, do not forget about Kentucky Life Insurance. Young couples can purchase life insurance fairly inexpensively. Being married means being responsible. Set down with a Kentucky Insurance agent and explore your options.



• New job? Will you be driving your car more? Will you be driving it less? Commuting miles are a factor with many Kentucky auto insurance companies. Let your agent know. If you have had a significant wage increase, you may need to evaluate your disability insurance.



• New home? Obviously, your home owners policy will need to be updated. You may need an umbrella policy for additional liability, and maybe more life insurance to pay off the additional debt.



• New motorcycle or toy? Please do not assume it is automatically covered under a homeowners policy. Be sure you check with your Kentucky insurance agent.



• New baby? New grand baby? Life insurance on juveniles is very inexpensive. Call your agent for rates.




As many of you embark on "real jobs" outside the university community, and as you begin your life of wedded bliss, we wish you only the best. Find yourself a Kentucky Insurance agent who cares about you.

This posting is meant as a general guide to Kentucky Insurance. For legal and financial matters always consult a accountant and attorney. Joyce Pinson is a Kentucky Insurance agent. Get Kentucky insurance quotes.