Saturday, June 28, 2008

Keeping your Cool while on the Road

Gearing up for Fourth of July Traffic Challenges



Charlie Pinson,Kentucky Insurance Agent and Kentucky Sportscaster


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(NAPS)—With so many people on the road during peak vacation months, it may be a good time to brush up on what you should do in the event you’re involved in a crash.
Here are some tips from The Progressive Group of Insurance Companies and Charlie Pinson Insurance KY.



Preparedness starts before you leave the driveway


  • Put a disposable camera and pen and paper in your glove box. Kentucky car insurance claims can be settled faster if there’s a good record of what happened. If you can take photographs or collect license plate numbers, or even names and phone numbers of witnesses, these can all help your insurance company establish facts faster.



  • If you’re involved in a crash:

  • Move your vehicle out of the roadway, if you can. If your car is able to be driven, move it off of the road a safe distance. By getting off the road, you can help to avoid a second collision.


  • Turn on your flashers or your lights. You want to be certain your vehicle is visible to other drivers.


  • Check yourself and your passengers for injuries. If someone is injured, call 911 immediately.


  • Call local police to report the crash.


  • Call your Kentucky insurance company to report the crash. Charlie Pinson Insurance KY lists claims numbers on their Kentucky Insurance agency website.  Kentucky Insurance Claims contacts.  The earlier your Kentucky insurance company knows about the crash, the faster it can get to work to resolve your claim.



  • Start documenting what happened, if you can. If you’re able to do so safely, take photographs, make notes, ask witnesses for names and phone numbers. If you’re not able to do so safely, stand as far from the roadway— and the crashed cars—as you possibly can.


  • Exchange only your Kentucky insurance company name. Don’t discuss the details of your coverage with anyone at the accident scene.


  • Exchange vital information with the other driver(s). Names, addresses, phone numbers are all useful to your Kentucky insurance company in settling the claim.



  • For other tips to keep you safe on the road and keep your insurance rates down visit Kentucky Progressive Insurance Agent, Kentucky Independent Insurance Agent Charlie Pinson.

  • Friday, June 27, 2008

    Will gas prices influence Kentucky Auto Insurance Rates? The Consumer Federation of American Thinks so.

    $4 GALLON GAS SHOULD LOWER AUTO INSURANCE RATES
    FOR MANY CONSUMERS


    --Consumers Who Are Driving Less Should Contact Their Insurance Companies--



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    Washington, D.C. – As the price of gasoline tops four dollars a gallon nationwide, the Consumer Federation of America (CFA) today released an analysis showing that consumers who are driving less could save an average of 5 to 15 percent on their automobile insurance rates –about $47 to $142.1 (Potential average savings by state are shown below.)



    While skyrocketing fuel costs have created great hardship for many consumers, these increases could mean immediate savings on automobile insurance as drivers react to high gas prices by using mass transportation, car-pooling, taking fewer trips to the store or curtailing their vacations.“Auto insurance rates are partially based on how much you drive and how you use your car,” said J. Robert Hunter, Director of Insurance for CFA and former Texas Insurance Commissioner and Federal Insurance Administrator. “If you drive less to save money on gas, these driving changes might mean that you qualify for immediate insurance rate relief,” he said.


    “We encourage all Americans to act now to save money by calling their insurance company or agent and asking if they qualify for an immediate rate reduction.”
    CFA released the attached “Consumer Alert” that detailed several ways that Americans
    who are driving less can save money on automobile insurance, including:
    If You have Stopped Driving Your Car to Work or School:
    • Your insurance classification has changed from “Drive to Work” to “Pleasure.”
    • Savings could be 10 to 15 percent.
    If You are Driving Only to a Train or Bus Station, Not All the Way to Work or School:
    • Your insurance classification may change from the “Drive to work” mileage category.
    • Savings could be 5 to 10 percent.
    If You Have Consolidated Trips and are Driving Much Less:
    • This reduces your miles driven per year.
    • Savings could be 5 to 10 percent.
    1 The average auto insurance premium in the U.S. was $949 in 2005, according to the latest data from the National
    Association of Insurance Commissioners (see attached table showing state data). These are average savings. Based
    on the specifics of a consumer’s auto insurance, the savings will range from zero to hundreds of dollars.
    2


    “While these savings will vary based upon the specific auto coverage you have, it is certainly worth a call,” said Hunter. “Simply explain the actions you are taking to drive less and estimate how many fewer miles you are driving a month,” he said. “Tell the agent or company representative that you want the cheapest rate they have for drivers reflecting your new driving circumstances.”


    In a letter sent earlier this week, CFA has called on the nation’s Governors to act immediately to require insurance companies to lower their rates as Americans drive less. “As Americans drive less because of the price of gas, fewer claims will be filed with insurance companies,” said Hunter. “Whether this will mean windfall profits for insurers or rate cuts for the consumers is up to Governors and state regulators to determine,” he said. “We ask that each state immediately call hearings to determine the right auto insurance prices under the changed driving situation.”



    Bloggers Note-As this is a Kentucky Insurance Blog I have edited this list to include only Kentucky, and a few surrounding states


    STATE 2005 Combined Savings Savings Savings


    Average Premium at 5% at 10% at 15%

    Arkansas $852.62 $42.63 $85.26 $127.89

    Illinois $830.69 $41.53 $83.07 $124.60

    Indiana $758.47 $37.92 $75.85 $113.77

    Kentucky $898.01 $44.90 $89.80 $134.70

    Missouri $804.53 $40.23 $80.45 $120.68

    North Carolina $730.75 $36.54 $73.08 $109.61

    Ohio $754.86 $37.74 $75.49 $113.23

    Tennessee $787.73 $39.39 $78.77 $118.16

    Virginia $795.92 $39.80 $79.59 $119.39

    West Virginia $1,028.05 $51.40 $102.81 $154.21

    Nationwide $948.97 $47.45 $94.90 $142.35

    Source: 2004/2005 Auto Insurance Database Report,
    National Association of Insurance Commissioners, 2007.
    -30-
    Consumer Federation of America (CFA) is a non-profit association of 300 consumer groups,
    with a combined membership of more than 50 million people. CFA was founded in 1968 to
    advance the consumer’s interest through advocacy and education.

    Thursday, June 26, 2008

    Preventing Dog Bites and Homeowners Claims

    Joyce Pinson, Kentucky Health Insurance Agent

    Tips for Dog Bite Prevention



    I love dogs. Little dogs, big dogs, old dogs, and puppy dogs....mutt dogs and pedigree dogs it just doesn't matter. My personal belief is a house is not a house without a cat roaming around....and a yard is not a yard without a dog romping through it.



    A few weeks back, a stray dog showed up on our porch. He is what we call a "Heinz 57" breed, kind of a mix between a collie and a German Shepard. We tried to run him off, as we live near a highway...and dogs don't do so well on the pavement. However, this dog just would not leave. I couldn't stand seeing him hungry, so I guess he is mine.



    He's putting on some weight, his coat is shinier, and he is in much better shape than he was a few weeks back. I've got a collar on him, and there will be the compulsory trip to the vet for shots and vaccines.



    In the interim, I saw an article in one of the insurance trade journals that said fully one third of homeowners claims was for dog bites. This cannot be good. Remember the old joke?



    Does your dog bite?



    No.



    Off camera, the dog bites.



    I thought you said your dog didn't bite!



    That's not MY dog!



    Here is a PDF about preventing dog bites that you might find useful. It is a collaberative effort between the American Veternary Medical Association and the American Academy of Pediatrics. There is great information about kids and dogs, and addresses plans of action.



    Dog Bite Prevention



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    Joyce Pinson is a Kentucky Health Insurance agent representing many companies including Anthem, Humana and Bluegrass Family Health. For Kentucky health insurance quotes   Click Compare Kentucky Health Insurance rates

    Wednesday, June 25, 2008

    Kids and Lawn Mower Safety
     June is National Safety Month

    More than Sun Block Required to Protect Kids While Mowing Lawns



    National Medical Societies’ Safety Tips Prevent Lawn Mower Injuries


    June is National Safety Month


    Chicago – Protecting children during summer activities conjures up thoughts of bike helmets, knee pads, and sun block. However, during the summer months, mowing the lawn can be as routine for some children as riding a bike and can be dangerous if proper safety precautions are not taken. In fact, nearly 210,000 people – approximately 16,200 of them children under age 19 – were treated in doctors’ offices, clinics and emergency rooms for lawn mower-related injuries in 2007, the U.S. Consumer Product Safety Commission reports.


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    To help prevent injuries, the American Society for Reconstructive Microsurgery (ASRM), the American Academy of Orthopaedic Surgeons (AAOS), the American Society of Plastic Surgeons (ASPS) and the American Academy of Pediatrics (AAP) have teamed up to educate parents, adults and children about the importance of lawn mower safety during National Safety Month, June 2008.



    “Parents need to understand that lawnmowers can cause terrible devastating injuries to children's hands, feet or faces, which can impact the rest of their lives,” said ASRM President Neil Jones, MD. “The tragedy is that most of these injuries are totally preventable by following some simple precautions.”



    The ASRM, AAOS, ASPS and AAP offer the following tips to help prevent lawn mower-related injuries:



    • Children should be at least 12 years old before they operate any lawn mower, and at least 16 years old for a ride-on mower.


    • Children should never be passengers on ride-on mowers.



    • Always wear sturdy shoes while mowing – not sandals.



    • Young children should be at a safe distance from the area you are mowing.



    • Before mowing, pick up stones, toys and debris from the lawn to prevent injuries from flying objects.



    • Always wear eye and hearing protection.



    • Use a mower with a control that stops it from moving forward if the handle is released.



    • Never pull backward or mow in reverse unless absolutely necessary – carefully look for others behind you when you do.



    • Start and refuel mowers outdoors – not in a garage. Refuel with the motor turned off and cool.



    • Blade settings should be set by an adult only.



    • Wait for blades to stop completely before removing the grass catcher, unclogging the discharge chute, or crossing gravel roads.



    “Serious orthopaedic trauma can be sustained while operating a lawn mower,” said AAOS President Tony Rankin, MD. “However, by following a few simple safety tips, devastating injuries may be prevented.”


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    Many lawn mower-related injuries require a team of physicians from various specialties to properly repair them. Often, patients must endure painful reconstructive operations to restore form and function.



    “Many children who sustain lawn mower injuries must undergo reconstructive surgery for months, sometimes years, after the initial accident,” said ASPS President Richard D’Amico, MD. “The look on parents’ faces can be truly heart wrenching. We are the physicians called to treat these devastating injuries, but would do anything to prevent them in the first place.”



    “Parents want to protect their children from accidents and injuries. But every summer we see children and teens using lawnmowers in an unsafe manner,” said AAP President Renee Jenkins, MD. “It is our job as pediatricians to help get information to parents about how to prevent injuries that are common during summer months, and that includes injuries from lawnmowers.”



    The American Society for Reconstructive Microsurgery is a not-for-profit organization consisting primarily of orthopaedic and plastic surgeons that perform microsurgery and other complex reconstructions. With more than 500 members, the ASRM mission is to promote, encourage and advance the art and science of microsurgical and other complex reconstructions. The ASRM serves as a forum for teaching, research and free discussion of microsurgical methods and principles. For more information, please visit www.microsurg.org.



    With more than 30,000 members, the American Academy of Orthopaedic Surgeons (www.aaos.org) is the premier not-for-profit organization that provides education programs for orthopaedic surgeons and allied health professionals, champions the interests of patients and advances the highest quality musculoskeletal health. Orthopaedic surgeons and the Academy are the authoritative sources of information for patients and the general public on musculoskeletal conditions, treatments and related issues. An advocate for improved patient care, the Academy is participating in the Bone and Joint Decade (www.usbjd.org) – the global initiative in the years 2002-2011 – to raise awareness of musculoskeletal health, stimulate research and improve people’s quality of life.



    The American Society of Plastic Surgeons is the largest organization of board-certified plastic surgeons in the world. Representing more than 6,700 physician members, the Society is recognized as a leading authority and information source on cosmetic and reconstructive plastic surgery. ASPS comprises more than 90 percent of all board-certified plastic surgeons in the United States. Founded in 1931, the Society represents physicians certified by The American Board of Plastic Surgery or The Royal College of Physicians and Surgeons of Canada. For more information, please visit www.plasticsurgery.org.



    The American Academy of Pediatrics is an organization of 60,000 primary care pediatricians, pediatric medical subspecialists and pediatric surgical specialists dedicated to the health, safety and well being of infants, children, adolescents and young adults. (www.aap.org)

    Tuesday, June 24, 2008

    Michala Riggle Young People Making a Difference
     Louisville Korsiar Hospital




    Fifth-grader raises more than $200,000 for autism research


    What started as a $7.35 fund has turned into a local and national phenomenon.



    After seeing improvement in her brother Evan’s autism symptoms following glutathione treatments, Michala Riggle, 11, was inspired to raise money to begin an autism research study at Kosair Children’s Hospital in Louisville, Ky. Michala and her parents wanted to know if, like Evan, other children with autism could be helped with glutathione treatments.



    By making and selling beaded bracelets and through private donations, Michala has raised more than $200,000 to allow physicians at Kosair Children’s Hospital and the Department of Pediatrics at the University of Louisville School of Medicine to begin an autism research study at Kosair Children’s Hospital.



    In the past several months, Michala’s hard work and “You’ve Gotta Believe” motto have inspired a team of volunteers, affectionately called Michala’s “peeps,” to bead thousands of bracelets to sell at local art shows and other community events. A high school in Louisville stops classwork each week to bead for the “Beading to Beat Autism” effort, and Michala’s aunts have persuaded their co-workers to bead on their lunch breaks. Michala has enlisted the help of Beta clubs, church groups, family, friends and even strangers who have donated supplies to support the effort. Michala even persuaded her brother, Dawson, 8, to help make bracelets!



    Michala’s new goal is to raise enough money to build an autism research and treatment center in Louisville to help autistic children like her brother Evan. Learn more about Michala’s story.



    Donate or purchase Michala's beaded bracelets online or call (502) 629-KIDS.
    (For $3 bracelets, please specify the quantity in the “For other donations” box on the donation form. Click “Purchase Michala's bracelets" now.)



    Michala told her 8-year-old brother, Dawson , “You’ve gotta believe,” we can raise this money. To help, purchase a “Believe” pin.



    Believe pins can also be purchased in the Louisville area at any Ginny’s Hallmark locations:





    • 6233 Crestwood Station

      Crestwood, KY 40014


    • 291 N Hubbards Lane

      Louisville, KY 40207


    • 6801 Dixie Hwy

      Louisville, KY 40258


    • 5009 Mud Lane

      Louisville, KY 40229


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    Monday, June 23, 2008

    KY Motorcyle Fatalities Reported

    Three Motorcyclists Die on Kentucky Roadways Last Week (June 9 - June 15)



    (FRANKFORT, Ky.) - Preliminary statistics* indicate that eighteen people died in sixteen separate crashes on Kentucky roadways from Monday, June 9 through Sunday, June 15, 2008. Twelve of the fatalities involved motor vehicles and seven of those victims were not wearing seat belts. Motor vehicle crashes occurred in Clark (2), Greenup, Harlan, Hopkins (4), Jefferson (2), Madison, Pulaski, and Shelby counties. Three of the crashes involved pedestrians and four involved the suspected use of alcohol.



    A triple-fatality crash occurred June 9 in Hopkins county on KY 109. Meagan Gibbs was traveling south on KY 109 in a 2002 Ford F250 pickup truck. Penny Garrison was traveling north on KY 109 in a 1986 Ford Ranger. Ms. Gibbs' vehicle drifted into the northbound lane and struck the Ms. Garrison's vehicle head on. Penny Garrison, Jordan Duke, and Beverly Lopez were pronounced dead at the scene by the Hopkins County Coroner. Ethan Garrison was flown by Air Evac to Deaconess Hospital in Evansville. Meagan Gibbs and her child were transported by ambulance to Madisonville Regional Medical Center.



    Three crashes involved motorcycles and occurred in Daviess, Taylor and Woodford counties. One of the victims was not wearing a helmet.



    Through June 15, preliminary statistics* indicate that 330 people have lost their lives on Kentucky roadways during 2008. This is 55 fewer than reported for this time period in 2007. Of the 260 motor vehicle fatalities, 166 victims were not wearing seat belts. Of the 32 motorcycle fatalities, 18 were not wearing helmets. Seven people have been killed in ATV crashes and 6 of those were not wearing helmets. Thirty pedestrians have been killed. A total of 61 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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    Safe Kids Car Seat Checkups Louisville Ky and Lexington KY

    Get your Child Safety Seat checked



    Charlie Pinson Insurance KY staff with mentor


    Safe Kids in cooperation with Commonwealth Credit Union in Lexington will be sponsoring a Safe Kids Car Seat Checkup and Buckle Up event at 280 Meier Way today. The event is scheduled from 2 to 4 today.



    Safe Kids in Louisville will be doing a similiar event next Monday, June 30.Sponsored by Texas Roadhouse at 6460 Dutchman's Parkway, the event runs from 6 Am to 7 Pm.



    Charlie and Joyce Pinson, Kentucky Insurance Agents, first became aquainted with Safe Kids through their involvement with Kiwanis. The Pinsons participated in a Safe Kids event, where a carseat was given away and hours later the child who recieved it was involved in a serious accident. What could have happened if that child had not been in a Kiwanis Safe Kids carseat? We will never know, but surely that carseat was a blessing!



    If you have kids who are in carseats, go have your installations checked. If you need a carseat check with the Lexington and Louisville Chapters of Safe Kids. Keep you kids safe!



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    Tuesday, June 17, 2008

    7000 Drivers Cited in Kentucky Click It or Ticket

    KSP Writes Over 7,000 Seat Belt Citations During 'Click It or Ticket' Campaign



    Date of News Release: 06/10/08



    (Frankfort, KY) - The Kentucky State Police announced that as a result of its seatbelt enforcement efforts, 7,021 seat belt and 223 child restraint citations were issued to unrestrained motorists during the national 'Click It or Ticket' enforcement mobilization (May 19 – June 1, 2008). KSP joined other state and local law enforcement agencies who participated in 'Click It or Ticket' as part of a statewide effort to increase seat belt use among those identified as least likely to buckle up. The campaign includes the Memorial Day Holiday travel period which is one of the deadliest for motorists in the Commonwealth.



    KSP Commissioner Rodney Brewer was pleased with his agency's results in the statewide mobilization effort.



    "Last year, there were 835 crashes in Kentucky during the Memorial Day weekend," said Brewer. "Eight people lost their lives and 355 were injured. Many of these fatalities and injuries might have been avoided if the drivers had buckled up, slowed down and avoided the use of drugs and alcohol. I applaud the efforts of our troopers during this campaign and their dedication to saving lives on Kentucky roadways."



    Captain Tim Lucas, Commander for the Highway Safety Branch points out that, according to the National Traffic Safety Administration (NHTSA), regular seat belt use remains the single most effective way to protect yourself and reduce fatalities in motor vehicle crashes. When worn correctly, seat belts have proven to reduce the risk of fatal injury to front-seat passenger car occupants by 45 percent - and by 60 percent in pickup trucks, SUVs, and minivans.



    "Kentucky has a seat belt usage rate of 72 percent and even though we have improved from past years, it is still disturbing that some individuals refuse to buckle up - the citation numbers bear this out," said Lucas.



    "We are hopeful that the numbers we achieve in 2008 will reflect that we are getting the message across to those who have cavalier attitudes when driving and less likely to buckle up," added Lucas.



    In addition to the seat belt citations, KSP issued 6,333 speeding citations; 461 Driving Under the Influence (DUI) arrests; 46,308 vehicle inspections; 434 suspended license violations; 2,029 failure to provide proof of insurance citations; 77 reckless driving citations; 151 drug arrests; 6,279 miscellaneous traffic violations and 164 fugitives were apprehended during the enforcement campaign.



    'Click It or Ticket' is a national enforcement effort that is supported by federal NHTSA funding allocated to the Kentucky Office of Highway Safety. KSP will continue its highway safety efforts through enforcement and public awareness throughout the summer.



    The public is encouraged to report any unsafe operation of a motor vehicle by contacting the Kentucky State Police at 1-800-222-5555.


    #####

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    Monday, June 16, 2008

    Kentucky Motorcycle Safety

    Governor Beshear Appoints Members to Motorcycle Advisory Commission for Highway Safety


    Press Release Date: Wednesday, June 11, 2008



    FRANKFORT, KY – Governor Steve Beshear has appointed the following members to the Kentucky Motorcycle Advisory Commission for Highway Safety:



    William H. McKinney, of Frankfort, is an engineer specialist for the Kentucky Transportation Cabinet. He represents the Transportation Office of Project Development. The appointment replaces Roy E. Johnson, whose term has expired. McKinney shall serve for a term expiring June 30, 2009.



    David Webster, of Glencoe, has previously managed an excavating company and worked as a journeyman iron worker. He represents the Kentucky Motorcycle Association. The appointment replaces Eugene P. Blakeman whose term has expired. Webster shall serve for a term expiring June 30, 2009.



    Tim Cody, of Hindman, is the director of the Knott County ATV & Motorcycle Rider Training Center. He represents the Kentucky Motorcycle Safety Education Advisory Council. The appointment replaces Malcolm Winsper, whose term has expired. Cody shall serve for a term expiring June 30, 2010.



    Tim Lucas, of Lawrenceburg, is a captain for the Kentucky State Police. He represents Kentucky State Police. The appointment replaces Shelby Lawson, whose term has expired. Lucas shall serve for a term expiring June 30, 2012. This appointment shall become effective July 1, 2008.



    Jo Anne Tingle, of Frankfort, is an engineer specialist for the Kentucky Transportation Cabinet. She represents the Transportation Office of Construction and Operations. The appointment replaces Katrina O. Bradley, whose term has expired. Tingle shall serve for a term expiring June 30, 2011.


    The governor has also reappointed the following members to the commission:


    Gary L. Johnson, of Calhoun, is a construction manager for the Rogers Group, Inc. He represents the Kentucky Association of Highway Contractors. Johnson will serve for a term expiring June 30, 2011.

    Michael A. Canchola, of Lebanon Junction, is an inspector for the Kentucky Transportation Cabinet. He represents the Kentucky Motorcycle Association. Canchola will serve for a term expiring June 30, 2010.



    The Motorcycle Advisory Commission for Highway Safety assists the Kentucky Transportation Cabinet in ensuring that highway design, construction and maintenance policies and procedures consider the specific needs of motorcyclists. The commission examines cabinet policies and procedures in areas including, but not limited to, crash barrier design, road maintenance practices, road construction, traffic control devices and intelligent transportation systems and recommends changes where necessary.



    ###

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    Friday, June 13, 2008

    Alledged Kentucky Insurance Fraud in Corbin

    CORBIN WOMAN INDICTED FOR INSURANCE FRAUD


    Allegedly falsified claims history information on application



    FRANKFORT, Ky. (June 11, 2008) – A Corbin woman is in custody after being indicted on a felony count of insurance fraud.


    According to court documents, Christine V. Young filled out an application for homeowners insurance coverage with State Farm Insurance Company stating that she and other household members had no losses for the past three years. She also allegedly stated that no insurer had refused to issue or renew coverage during that time period.


    An investigation by the Kentucky Office of Insurance (KOI) Fraud Investigation Division found that another insurer canceled Young’s homeowners policy due to misrepresentations on the application. In addition, Young was directly or indirectly involved in at least four fire losses and one major theft loss during the three-year period.


    She was arrested by a KOI fraud investigator and the Corbin City Police and is being held in the Knox County Jail. If found guilty, she faces a maximum sentence of five years in prison and a $10,000 fine.


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



    ######

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    Tuesday, June 10, 2008

    Kentucky Highway Fatalities June 2-8

    Nine Die on Kentucky Roadways Last Week (June 2 - June 8)



    Date of News Release: 06/09/08



    (FRANKFORT, Ky.) - Preliminary statistics* indicate that nine people died in nine separate crashes on Kentucky's roadways from Monday, June 2 through Sunday, June 8, 2008. Seven of the fatalities involved motor vehicles and four of those victims were not wearing seat belts. The motor vehicle crashes occurred in Clay, Graves, Hopkins, Leslie, Mason, Pulaski and Warren counties. The suspected use of alcohol was a factor in one of these crashes.



    Two of the crashes involved motorcycles and occurred in Boyle and Pike county. One of the victims was wearing a helmet.



    Through June 8, preliminary statistics* indicate that 309 people have lost their lives on Kentucky roadways during 2008. This is 55 fewer than reported for this time period in 2007. Of the 247 motor vehicle fatalities, 158 victims were not wearing seat belts. Of the 27 motorcycle fatalities, 15 were not wearing helmets. Seven people have been killed in ATV crashes and 6 of those were not wearing helmets. Twenty-seven pedestrians have been killed. A total of 56 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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    Tuesday, June 3, 2008

    Summer Food, Swimming and Kentucky Health

    Public Health Issues Safety Guidelines for Food Handling, Swimming



    The Kentucky Department for Public Health (DPH) wants to remind outdoor dining and swimming enthusiasts of some tips to stay safe during family get-togethers and swimming outings planned for the season.


    “The onset of summer is reason to celebrate for many people, especially those who enjoy outdoor parties and water sports,” said William Hacker, M.D., acting undersecretary for health and DPH commissioner. “They certainly are wonderful activities, and we want all Kentuckians to enjoy them. Still, we have to be mindful of public health and safety.”



    DPH has compiled a list of basic safety tips to follow to avoid illnesses linked to improperly stored/prepared food or swimming in contaminated waters.



    For grilling:



    • Wash your hands before and after handling food. Be sure all utensils and plates are clean before preparing or serving food.


    • Use the refrigerator for slow, safe thawing or thaw under cool running water. You may use the microwave for thawing, but grill immediately.


    • Marinate in the refrigerator, not on the counter.


    • Always use a meat thermometer to check internal meat temperatures. Color is not a reliable indicator of doneness. Cook food to the proper internal temperature:


    • ─ Ground beef, 155 degrees Fahrenheit for 15 seconds
      ─ Poultry and stuffed meats, 165 degrees F for 15 seconds
      ─ Pork products, 150 degrees F for 15 seconds
      ─ Other products, 140 degrees F for 15 seconds
      ─ Reheating leftovers, 165 degrees F for 15 seconds


    DPH also recommends keeping meat and poultry refrigerated until ready to use. After cooking meat and poultry on the grill, keep it at 140 degrees F or warmer. In weather warmer than 90 degrees F, food should never sit out for more than two hours. Refrigerate any leftovers promptly in shallow containers to ensure they’re cooled quicker and more thoroughly.



    Kentucky Swimming Health Concerns



    In addition, DPH also stressed the importance of healthy swimming behaviors in preventing recreational water illnesses (RWIs). According to the Centers for Disease Control and Prevention (CDC), state and local health departments across the country investigated more RWI outbreaks in 2007 than ever before, many linked to Cryptosporidium (“Crypto”), a chlorine-resistant parasite.



    Awareness of RWIs and healthy swimming behaviors play an important role in stopping transmission of the illnesses. Germs on and in swimmers’ bodies end up in the water and can make other people sick. Even healthy swimmers can get sick from RWIs, but young people, the elderly, pregnant women and immunosuppressed people are especially at risk. Specific actions you can take to promote healthy swimming include:




    • Do not swim when you have diarrhea.

    • Do not swallow pool water or get pool water in your mouth.

    • Shower before swimming (children too).

    • Wash your hands after using the toilet or changing diapers.

    • Take children on bathroom breaks or change diapers often.

    • Change children’s diapers in a bathroom, not at poolside.


    #######

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    Joyce Pinson,Kentucky Health Insurance agent,  is an avid griller and loves to grill fresh Kentucky produce.

    Monday, June 2, 2008

    Kentucky Teen Driving Resources

    Charlie Pinson Insurance KY staff with mentor

    It's graduation week here in the Kentucky, with many high schools ready to turn loose Kentucky's latest crop of graduates. Like their parents, and their parents before them, new graduates are eager to celebrate their accomplishments and new found freedom. It's the job of educators, parents, and mentors to help the graduates keep their feet on the ground and drive responsibly.



    In previous columns, I have referred a number of sites that are aimed at teens and parents of teens. It always comes down to parents having an open dialog with their children about being responsible behind the wheel.



    Here's the latest website I think is worth mentioning

    Road Ready Teens by Chrysler



    The site includes sections for Teens as well as parents of teens. The Kentucky Department of Transportation has this site on their resources page. Additionally, they post links to the National Safety Council's site, which includes many links to young drivers and teen drivers information.



    Happy Kentucky Graduation...and be safe out there!



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    Charlie Pinson Insurance KY  offers Kentucky Auto Insurance through a number of carriers including Progressive Insurance, Hartford Insurance, Travelers Insurance, Safeco Insurance, AIG, and Farmers Insurance. As a Kentucky Independent Insurance agency, you the consumer have a hosts of options to choice from. Kentucky Car Insurance for Commercial and business use is also available from selected carriers.