Showing posts with label Kentucky Car Insurance. Show all posts
Showing posts with label Kentucky Car Insurance. Show all posts

Tuesday, February 10, 2009

Kentucky Driving on Icy Roads

Charlie Pinson Insurance KY

No Slip-Sliding Away: How To Stay On The Road




(NAPS)—One thing is easy to foretell: Unpredictable weather can cause reduced visibility and hazardous driving conditions that make it challenging for even the most experienced drivers. Fortunately, there are ways to protect yourself, your passengers and your car.



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The following tips can help you stay safe when faced with treacherous roads:




  • Assemble a winter emergency kit. At a minimum, it should contain a blanket, boots, shovel, nonperishable food and a flashlight.


  • Plan ahead for stopping and turning. “Feather” the brakes when approaching a stop, especially if the road is slick. If turning, accelerate very gently through the turn.


  • Don’t make any sudden moves. Keep it slow and steady to maintain control.


  • Be cautious when braking in icy conditions. Coast over ice. Brake after reaching bare pavement. And never slam on the brakes. Brake gently in a pulsing fashion.


Steer into a skid. Remember: Locked wheels lead. If your rear tires are in a skid and “locked,” the rear of your car will start sliding to lead the car down the road. If this happens, steer into the skid, not away, and remember, don’t brake during a skid.



If you follow these tips but still find yourself in a crash, just remember that what you do after an accident can make a big difference in keeping everyone safe and in helping you and your insurance company work through a claim.




Remember to follow these tips from the experts at  Charlie Pinson Insurance Kentucky  and The Progressive Group of Insurance Companies if you get into an accident:



  • Stay calm. Stay at the scene but move off the roadway. Warn oncoming traffic by activating your hazard warning lights and/or setting flares.


  • Call the police.


  • Contact your insurance company to file a claim. The earlier your insurance company knows about the accident, the earlier it can get to work to resolve it.


  • Do not admit fault. Only discuss the accident with the police and your claims representative.


  • Exchange information with the other driver(s). And remember to get contact information for any witnesses.


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Charlie Pinson Insurance Kentucky  is a Kentucky independent insurance agency serving all of the Bluegrass State including  Louisville Lexington  and Pikeville. 

Thursday, February 5, 2009

Kentucky Highway Fatalities

Twelve Highway Deaths On Kentucky Roads Last Week (Jan 26 - Feb 1, 2009)



Date of News Release: 02/02/09



(FRANKFORT, Ky.) - Preliminary statistics* indicate that twelve people died in eight separate crashes on Kentucky roadways from Monday, January 26 through Sunday, February 1, 2009.




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All of the crashes involved motor vehicles and five of the victims were not wearing seat belts. The seat belt status of three victims is unknown at this time. Single-vehicle crashes occurred in Anderson, Carter (2), Jefferson,  Ohio and Wayne counties.



Two triple-fatality crashes occurred in Lincoln and Warren county. The suspected use of alcohol was a factor in the Lincoln county crash.



Through February 1, preliminary statistics* indicate that 55 people have lost their lives on Kentucky roadways during 2009. This is 8 fewer than reported for this time period in 2008. Of the 52 motor vehicle fatalities, 25 victims were not wearing seat belts. Three pedestrian have been killed. A total of 13 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.



Press Release Courtesy Kentucky State Police



Kentucky Insurance  is available through Charlie Pinson Insurance KY. A Kentucky independent insurance agent, Charlie Pinson represents a variety of Kentucky insurance companies. His agencies offer Kentucky car insurance, as well as Kentucky health insurance, life insurance, and business insurance.

Tuesday, October 21, 2008

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.

Tuesday, August 26, 2008

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.

Monday, August 11, 2008

Back to school time to shop Kentucky Auto Insurance

Joyce Pinson, Kentucky Insurance agent


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!



Save Money! Save time!
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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.

Monday, August 4, 2008

Kentucky Insurance Feeling the Squeeze

Joyce Pinson, Kentucky Insurance agent


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

Tuesday, July 29, 2008

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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Monday, July 28, 2008

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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Thursday, July 17, 2008

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.

Wednesday, July 9, 2008

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

Tuesday, July 8, 2008

Kentucky Teen Drivers Keeping Young Drivers Safe

Kentucky Teenagers & Safe Cars



Charlie Pinson,Kentucky Insurance Agent and Kentucky Sportscaster


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 ).





© Insurance Information Institute, Inc. - ALL RIGHTS RESERVED -



A Kentucky Insurance agency,  Charlie Pinson Insurance KY,  offers Kentucky insurance from a number of carriers including Progressive Insurance, AIG, Hartford, Travelers, Farmers, and Safeco Insurance.  Get Kentucky Auto Insurance Quotes

Monday, July 7, 2008

Understanding your Auto Insurance Policy

Charlie Pinson,Kentucky Insurance Agent and Kentucky Sportscaster

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.




    © Insurance Information Institute, Inc. - ALL RIGHTS RESERVED -



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    A Kentucky Independent Insurance Agent, Charlie Pinson offers Kentucky Car Insurance and Kentucky Auto Insurance throughout the Commonwealth of Kentucky including Lexington Car Insurance, Louisville Car Insurance, and  Pikeville Car Insurance.

    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.

    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.

    Friday, May 23, 2008

    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.

    Wednesday, May 14, 2008

    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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    Read and see video
    Kentucky Teensurance

    Kentucky Teen Insurance for
    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.

    Tuesday, May 13, 2008

    Kentucky Young Drivers and Kentucky New Graduates

    Kentucky Insurance Agent Charlie Pinson with Pikeville College 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.

    Tuesday, May 6, 2008

    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.

    Thursday, May 1, 2008

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

    Kentucky health insurance agent Joyce Pinson

    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.