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Friday, July 23, 2010

Why Do Auto Insurance Premiums Change?

Auto insurance premiums change for the same reasons that the price of other goods and services you buy change.
Insurance companies incur the same costs you do in buying goods and services, and these costs can ultimately affect your insurance premium. Costs affecting the ultimate price of auto insurance include:

  • Medical costs to treat injuries
  • Auto repair costs
  • Costs to adjust claims
  • Inflation
  • Uninsured drivers (your policy pays when the other driver doesn't have an auto insurance policy if you purchase Uninsured Motorist coverage)
Although insurance companies can't directly control these costs, we regularly monitor them to see how they are affecting the costs of the claims we pay. As they change, auto premiums must be adjusted. These costs can affect your auto insurance premium whether or not you individually have had an accident or claim.
Changes you make to your auto insurance policy or coverage may also change the premiums. Adding or removing a driver, buying a new car, moving to a new location or changing how you use your car may influence the cost of your auto insurance.

Controlling Insurance Costs

What is Farmers doing to control car insurance costs?
  • We have a network of reliable auto repair facilities for the highest quality repairs at competitive prices.
  • We vigorously oppose frivolous lawsuits.
  • We have an active Anti Fraud Unit.
  • We offer a youth driving safety education program to all parents of young drivers.
  • We actively support organizations devoted to auto safety, including funding anti-drunk driving efforts and those dedicated to improving youth driving safety.
  • We offer Annual policies to keep your rates stable.
  • We offer the Farmers Flex program to lock in your rates and forgive you for accidents.

Thursday, July 22, 2010

Drowning looks different than you think

Think drowning involves screaming, gasping, and flailing? Think it’s easy to notice someone drowning? Well, you’re wrong. Drowning is a silent killer. There’s no splashing, waving, or calling for help of any kind. It's not like what you see on TV. Many people would not even notice another person drowning at just 30 yards away. Read on for tips on how to keep yourself and those you love safe from this silent killer whether at the beach or in your backyard pool.

The Facts About this Silent Killer The Instinctive Drowning Response, a term coined by Francesco A. Pia, Ph.D., is what people instinctively do to avoid suffocation when drowning. The responses to drowning are undramatic and surprisingly quiet.  Drownings are the leading cause of injury death for young children ages 1 to 4. Even scarier is that in a small but significant percentage of kids' drownings, an adult will have watched the whole process, not having a clue what was happening (Source:CDC).


Drowning Doesn't Look Like What You'd Expect Dr. Pia, in an article entitled "It Doesn't Look Like They're Drowning" featured in the Coast Guard’s On Scene Magazine (Fall 06), describes the typical drowning response as follows: "Except in rare circumstances, drowning people are physiologically unable to call out for help. The respiratory system was designed for breathing. Speech is the secondary or overlaid function. Breathing must be fulfilled before speech occurs. Drowning people’s mouths alternately sink below and reappear above the surface of the water. The mouth of a drowning person is not above the surface of the water long enough to exhale, inhale, and call out for help. When the drowning person’s mouth is above the surface, she exhales and inhales quickly as her mouth starts to sink below the surface of the water. Drowning people cannot wave for help. Nature instinctively forces them to extend their arms laterally and press down on the water’s surface. Pressing down on the surface of the water permits drowning people to leverage their bodies so they can lift their mouths out of the water to breathe. Throughout the Instinctive Drowning Response drowning people cannot voluntarily control their arm movements. Physiologically, drowning people who are struggling on the surface of the water cannot stop drowning and perform voluntary movements such as waving for help, moving toward a rescuer, or reaching out for a piece of rescue equipment. From beginning to end of the Instinctive Drowning Response people’s bodies remain upright in the water, with no evidence of a supporting kick. Unless rescued by a trained lifeguard, these drowning people can only struggle on the surface of the water from 20 to 60 seconds before submersion occurs."


Signs of Drowning Watch for these signs the next time you’re swimming with your kids or others:
  • Head low in the water, mouth at water level
  • Head tilted back with open mouth
  • Hair over forehead or eyes
  • Eyes glassy, empty and unable to focus
  • Eyes closed
  • Hyperventilating or gasping
  • Not using legs
  • Body is vertical and upright
  • Trying to swim in a certain direction but not making progress
  • Trying to roll over on the back

Stay Aware to Save a Life
Keep your eyes open for any oddities because even when things seem ok, they may not be. A good way to be sure is to ask your kid or the person you’re swimming with if he or she is all right. If they are rather still, do not answer or have a blank stare, then you may have less than 30 seconds to get to them! As any parent knows, kids make noise in the water. If they are not making noise, find out why and get them out of the water ASAP.
Article Published by Modernmom.com

Saturday, July 10, 2010

6 Steps to Prevent Identity Fraud

Six Steps to Avoid Identify Theft

  1. Do not give out personal information, such as account or credit card numbers, on the phone or over the Internet unless you have initiated the contact. Identity thieves could pose as bank officials, Internet providers or credit card company representatives. Remember: If someone has a right to this information (such as your bank), they should already have it … and shouldn't need to request it over the phone.
  2. Report lost or stolen checks immediately, and properly store canceled checks. Examine new checks to be sure none were stolen during shipment, and store them in a safe and secure location.
  3. Destroy unused financial solicitations before discarding them, and tear up other financial documents such as statements or receipts before discarding them.
  4. Guard your Automated Teller Machine (ATM) number, and treat your receipts with care. Leaving them behind or throwing them in the trash could leave them vulnerable to thieves, who could use them to access your accounts.
  5. Make sure your mailbox is secure, and promptly remove mail when it has been delivered. Identity thieves often raid mailboxes to obtain credit card offers and financial statements.
  6. Contact the major credit reporting companies at least annually to review your file. A copy of your credit report is available for a small fee. The four major credit bureaus are:
Equifax: 866-349-5183
TransUnion: 800-916-8800
CSC Credit Services: 866-349-5183
Experian: 800-682-7654

Friday, July 9, 2010

Your car just broke down on the side of the road, now what?

Your car just broke down and you’re on the side of the road, now what?
If your car breaks down, your first priority is the safety of the people inside the car:

    * Never get out of a broken down car to make a repair or examine damage on the spot. Move the vehicle to a safe place such as a wide shoulder or a designated emergency lane.
    * If you can't drive the vehicle, stay in the car and wait for help. Use your cell phone to call Farmers HelpPoint® (800-435-7764) or wait for help.
    * Remember to put on your hazard lights. Once you are in a safe place, mark your location with flares or triangles.
    * In the case of a blowout or a flat tire, move the vehicle to a safe place before you attempt a repair - even if it means destroying the wheel getting there.
    * Farmers customers, can call HelpPoint® (800-435-7764) where 24/7 a representative will calmly help you with everything you need. HelpPoint can call you a tow truck to jump start your car or bring your vehicle to the nearest qualified repair facility. Your representative can also assist you with reserving a rental car so that you can get on your way as quickly as possible.

Cold weather suggestion: Always carry a warm blanket in your trunk in case you must wait for help in freezing temperatures. Also carry a shovel and sand in the event your car is stuck in the snow. Do not try to dig yourself out unless your car is in a safe place.

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