Wednesday, July 2, 2008

Wildfires possible Fourth of July Campfire Safety

The Kentucky Division of Forestry (KDF) reminds Kentucky landowners and homeowners that wildfires can strike any time where grass and brush are dry enough to burn. Although the frequency of wildfires lessens after Spring green-up, there is still potential for wildfire conditions.



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“This is the greenest time of year with the lowest fire danger; however, we are still having forest fires. We are encouraging everyone to be extra careful this summer,” said Bernie Andersen, KDF Fire Management Chief. Many summertime activities can cause accidental wildfires; however, there are precautions that can reduce the risks of spreading these fires.



With July 4th celebrations coming up, it is important to remember that mishaps from fireworks can potentially spread wildfires that threaten homes, property, wildlife habitat and forests. A good alternative to personal fireworks are the community displays sponsored by cities and towns across the state.



Campfires are another potential source of wildfire. A campfire should be less than four feet in diameter, with at least a 10-foot clearance around it. Always keep water and a shovel handy and use both of them to put out fires. Campfires should never be left unattended, and they should be completely extinguished before leaving the area. Campers should also be cautious when driving in backcountry areas. Faulty mufflers and catalytic converters can leave sparks and fires behind a vehicle; therefore, it is important to limit driving to approved roads and areas.



Unsafe burning of brush piles and other debris may also lead to escaped fires. Safety precautions should be taken and weather conditions considered before conducting any outdoor burning. It is illegal to burn garbage or other materials, except natural plant matter, such as yard waste and brush. County solid waste programs have information on debris collection or drop-off sites. Check with your local fire department, the Kentucky Division of Forestry, the Kentucky Division for Air Quality and the Kentucky Division of Waste Management to make sure you comply with local and other state outdoor-burning regulations.



The best way to protect property is to prevent wildfires from getting started in the first place. Homeowners who live in or near forested areas should prune and remove flammable plant and debris. Reducing the amount of fuel from shrubs, dead plant material and firewood will help create a defensible space around your home. Fire-resistant materials such as Class-A shingles, tile, or metal adds further protection. Homeowners should also make sure that house numbers and road names are clearly marked for emergency vehicles.




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The staff of  Charlie Pinson Insurance KY urges all Kentuckians to have a safe Fourth of July.

Tuesday, July 1, 2008

Fireworks Safety for Kids Prevent Injuries
 Celebrate

Fireworks Injure Thousands of Kids Each Year


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


LEXINGTON, Ky. (June 23, 2008) - In 2006, more than 2,000 children ages 14 and under were treated in U.S. emergency rooms for injuries involving fireworks during the fireworks season, which runs from the middle of June until the middle of July. Children ages 10 to 14 have the highest rate of injury from fireworks.



“Don’t let kids play with fireworks, period,” said Sherri Hannan, Safe Kids Fayette County coordinator. “They’re intended for use by adults in open spaces, with plenty of active supervision for every child present.”



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Fireworks, including sparklers and flares, can cause serious burns as well as blast injuries that can permanently impair vision and hearing. “Teach your children what to do if their clothing catches on fire — ‘stop, drop and roll’ — and how to call 911 in an emergency,” said Hannan.



Many pyrotechnic devices are illegal in Fayette County as well as other areas of Kentucky. Where permitted by law, fireworks should be handled and used in strict accordance with the manufacturer’s instructions and all warning labels. In addition, Safe Kids Fayette County recommends these precautions for adults using fireworks:
Light fireworks only on smooth, flat surfaces, and aim them away from buildings, dry leaves, flammable materials and spectators.




  • Do not try to relight fireworks that malfunction.

  • Do not carry fireworks in your pocket or hold them close to your face.

  • Visit www.recalls.gov  to make sure the pyrotechnic devices you are using are not subject to any safety recalls.

  • Do not modify fireworks or use homemade fireworks.Keep a phone handy, and know first aid for burns.

  • Also, keep a fire
    extinguisher handy and know how to use it.

  • Finally, as in any activity involving hazardous equipment, keep all children under active supervision — in sight and in reach at all times, with your undivided attention focused on them — when they’re near fireworks.



“The safest way to enjoy fireworks is to watch them at a community event where professionals handle them,” said Hannan.



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Safe Kids Fayette County works to prevent accidental childhood injury, the leading killer of children 14 and under. Its members include health professionals and representatives from police, fire, schools and the community. Safe Kids Fayette County is a member of Safe Kids Worldwide, a global network of organizations dedicated to preventing accidental injury. Safe Kids Fayette County was founded in 1993 and is led by UK HealthCare's Kentucky Children's Hospital.



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Specializing in Kentucky Health Insurance Triple B Insurance KY, and it's sister agency C & B Insurance, offers family health insurance, individual health insurance and group health insurance products as well as employee benefits throughout Kentucky.

Fourth of July in Kentucky State Parks

July 4th Will Be Poppin' at Kentucky State Parks



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Kentucky State Parks throughout the commonwealth will celebrate the July 4th holiday with fireworks, summer fun activities and special events. Following is a brief run-down of announced festivities with phone numbers for each park. Information is also available at www.parks.ky.gov.

Barren River State Resort Park
7/4/2008
Our annual 4th of July Fireworks Celebration starts off the day with a beach party and plenty of fun and games. There will be live entertainment at 6 p.m. followed by the fireworks display at 9 p.m. Activities continue throughout the weekend with the annual "whatever floats your boat" contest on Saturday. Other activities such as the pre-4th block party on the 3rd include karaoke and the non-motorized parade.
270-646-2151

Blue Licks Battlefield State Resort Park
7/3/2008 to 7/5/2008
Battlefield Walks – July 3 & 5. Learn more about the fascinating history of Blue Licks Battlefield with a walk that begins promptly at 1 pm and is free to all park visitors. Canoe Trips – July 3 & 5. Enjoy a 2 ½ hour leisurely paced canoe trip down the Licking River. Cost is $10 per person and space is limited. All you can eat seafood buffet at Hidden Waters Restaurant July 4. Crab legs, shrimp, and more. Bring the entire family for a treat that they’ll enjoy. Cost is $19.95 plus tax plus beverage.
859-289-5507

Buckhorn Lake State Resort Park

7/4/2008
Show your patriotic spirit with a variety of activities. Crafts, watermelon, float races, music. Ends with a fantastic fireworks display that evening over Buckhorn Lake. Event time: 10 am to 11 pm.
606-398-7510

Dale Hollow State Resort Park

7/4/2008 to 7/6/2008
Show off your red, white, and blue as you celebrate the Fourth of July with some all American activities. Enjoy a weekend filled with games, crafts, and special entertainment.
270-433-7431

Fort Boonesborough State Park
7/2/2008 to 7/6/2008
Come celebrate our nation's birthday with five days of patriotic activities. We will have scheduled times for camper decoration contests, games, crafts, free putt-putt, free historic tours, a hayride, a parade, NASCAR on the big screen satellite TV, live entertainment and our biggest fireworks show ever. This is our second annual fireworks show on the beach. The festivities start with a DJ and concessions from 6:15 pm until 9:15 pm. The fireworks show starts at 9:45 pm. The show is free, however the Fort Boonesborough Foundation will be collecting a $3 per vehicle parking fee. 859-527-3131

General Burnside State Resort Park
7/4/2008 to 7/5/2008
We will be letting the kids decorate their bikes and join in on the July 4th Parade. But you don't need a bike -- we can decorate you up to walk in the parade! There will be activities, games and prizes for all ages. On the 5th of July there will be a Checker Tournament for ages 8 and up and a watermelon seed-spitting contest. Events start July 4 at 5 p.m. and July 5 at 10 a.m.
606-561-4104

General Butler State Resort Park
7/05/2008
Kentucky Kruizers Car Club Show will feature custom and vintage cars, 50's and 60's music, along with food and merchandise booths. Following the car show, General Butler will celebrate with outdoor musical entertainment & a fireworks show over Butler Lake around 9:30 p.m. There is a registration fee if entering vehicles for judging; other than that events are free.
502-732-4384

Greenbo Lake State Resort Park
7/4/2008
Enjoy a day of family fun, hiking/biking/horseback riding, mini golf, fishing, tennis, boating, and newly renovated campground. Greenbo Lake Amphitheatre will present Bluegrass music by New Time, 6:30-9:45 pm. Fireworks will be shot at 10:00 pm at Beach Area at Community Pool Parking Lot. Event is free to the public. Bring your lawn chairs and blankets for an evening of family fun. Details on other events planned for the holiday week can be obtained by calling the park.
606-473-7324

Jenny Wiley State Resort Park Prestonsburg KY
7/4/2008 to 7/5/2008
Arts and crafts activities will allow you to show your “Independence Day” spirit, with Tie-Dye t-shirts, key chains, eagle puppets, and more. There will be Watermelon Eating and Ice Cream Eating contests. On Saturday July 5 join us in the Campground for a spectacular musical event as the “One Man Band” Tim Michaels performs songs of Bluegrass, Country, and Rock & Roll.
606-889-1790

Kenlake State Resort Park
7/4/2008
One of the biggest fireworks shows in Western Ky. Fireworks display is complemented by live entertainment and a cookout. Recreation activities all day.
270-474-2211

Kentucky Dam Village
6/30/2008 to 7/6/2008
Good Ole USA Days is a week long celebration of our nation's birthday with traditional activities, nightly entertainment, music, and food. Top off the holiday week with a 4th of July fireworks show on Friday night.
270-362-4276

Lake Barkley State Resort Park
7/4/2008 to 7/6/2008
The 4th of July Weekend at the Beach tradition continues along Barkley's waters…the largest fireworks display in the area, a talented regional line-up of live music, beach games for the whole family, snacks and food vending, and a cool swim in the lake. And that's just to kick off the weekend! Lake Barkley is the place to be for Independence Day!
270-924-1131

Old Fort Harrod State Park
7/4/2008 to 7/5/2008
Picnic in the park will be from noon to 1:00 p.m. presenting puppet ministry by Heavenly Hands. Bring your picnic lunch and enjoy the live entertainment under the scenic and historic Osage orange tree. On July 5, the Patriot Quartet, a local Southern Gospel group, will perform for the James Harrod Entertainment Sampler beginning at 7:00 p.m. The concert will feature patriotic songs and favorite traditional songs as made popular by The Statesmen, The Blackwood Brothers and the original Oak Ridge Boys quartets. There are also original songs penned by group members and others. Admission is $5.00 per person and children under six will be admitted free.
859-734-3314

Paintsville Lake State Park Paintsville KY
7/4/2008
Most Patriotic Campsite -- Show us your patriotism! Celebrate the 4th of July with Paintsville Lake and deck your campsite out with red, white, and blue. Compete with your fellow campers for a chance to win a couple of free nights of camping.
606-297-8486

Pine Mountain State Resort Park
7/5/2008
On Saturday July 5, the park will host a special New Orleans Dinner and Jazz Show featuring the impeccable talents of Julie Davis and Kelly Dow. Take a trip back in time and experience an unforgettable evening of top-notch Jazz. The Jazz Show will be hosted at the park’s Whitney Conference Center and fine dining featuring some New Orleans style cuisine will precede the entertainment. Tickets for this must-see show are currently on sale at Pine Mountain State Resort Park. The dinner and show costs only $25 per person.
606-337-3066.

Rough River Dam State Resort Park
7/5/2008
Rumble Over Rough River and celebrate the Fourth with fireworks over Rough River Lake! We will have a live band -- Burly Cruz -- performing before the fireworks show and concessions will also be available. Free Fourth of July related recreational activities will be going on all weekend long! Fireworks will begin at approximately 9:00 pm (CDT) and last up to 25 minutes!
270-257-2311

###

The Kentucky State Park System is composed of 53 state parks plus an interstate park shared with Virginia. The Department of Parks, an agency of the Commerce Cabinet, operates 17 resort parks with lodges -- more than any other state. Each year, Kentucky parks draw 7 million visitors and contribute $317 million to the economy. For more information on Kentucky parks, visit our Web site at http://www.parks.ky.gov.

Charlie Pinson Insurance Ky will be closed Friday, July 4th to celebrate our independence. As you travel during the holiday, we urge all Kentucky motorists to use caution and good driving habits. Buckle Up and be safe! Get Kentucky Insurance Quotes

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)