President’s Day Holiday

Our agency will be closed Monday, February 15th in observance of the President’s Day Holiday. In the event of an emergency, please contact Beau Ingledue at 309-333-1292.

Illinois License Plate Renewal’s Go Paperless

Just in case you have not heard, the Secretary of State’s office will no longer be sending out vehicle registration reminders by mail.  This is in an effort to save nearly $450,000 per month in postage costs.  So this means it will be up to you to be mindful of when your current license plates expire.  However, they are offering an email notification option.  To take advantage of this, you will need to go to: https://www.ilsos.gov/greenmail/  while having your registration in hand.

PGIB Observing Dr. Martin Luther King Day

Our office will be closed Monday, January 18th in observance of Dr. Martin Luther King Day.  We will reopen with normal hours on Tuesday.  Should you need assistance with a claim or other urgent matter, please call me at 309.333.1292.

One of my favorite quotes for Dr. King; “It’s always the right time to do the right thing.”

Beau Ingledue

 

 

 

 

Just a Few More Days for Healthcare Open Enrollment

If you are still considering making a change to your health plan, you have until January 31st, 2016 to submit your application.  We know healthcare insurance has gotten very complicated with subsidies, network changes, plan types, etc. Call on us to help you and you won’t have to pay any more than if you had gone direct.  Call Ashley, Brad or Dennis at 309-833-1755 to make arrangements for learning more.

Merry Christmas and Happy New Year!

The owners and staff of Purdum Gray Ingledue Beck wish you a wonderful holiday season.  Please see below for our holiday hours and emergency contact information.

December 23rd – Close at 3PM

December 24th and 25th – Closed

December 31st and January 1st – Closed

Please call me at 309-333-1292 if you have an urgent matter.

Beau Ingledue

Happy Thanksgiving!

The owners and staff of Purdum Gray Ingledue Beck are grateful for you and all of our clients!  We fully understand that without you placing your trust in us with your insurance there would not be PGIB.  We hope that you have a wonderful and safe holiday with your family and friends.

Please note our holiday hours:

Open until 2PM on Wednesday 11/25

Closed Thursday 11/26 and Friday 11/27

Reopen with normal business hours 11/30.

In the event of an emergency, please contact me on my cell phone at 309-333-1292.

Sincerely,

Beau Ingledue

 

The dangers of distracted driving are real

Distracted driving is one of the major causes of motor vehicle collisions today. According to Distraction.gov, over 3,000 motorists are killed and another 421,000 are injured each year as a result of distracted driving collisions. It is estimated that distracted drivers are three times more likely to have a collision. We all share the roadways and collectively we can create a safer driving culture for ourselves and the generations that follow. Please take some time to explore the information below and pass it along to those closest to you.

The Facts
Distracted driving is any activity that could divert a person’s attention away from the primary task of driving. All distractions endanger driver, passenger and bystander safety. These distractions can include texting, using a cell phone, eating, drinking, talking to passengers, grooming, reading, using a navigation system, watching a video, and adjusting a radio, CD player or MP3 player.

Driving is a complex task that requires one’s eyes on the road, hands on the wheel and brain focused on the task at hand. According to the National Safety Council, drivers engaged in cell phone conversations, with either hand-held or hands-free devices, can fail to see up to 50 percent of their driving environment, including stop signs, pedestrians and red lights.

Did you know?

  • Sending or receiving a text takes a driver’s eyes from the road for an average of 4.6 seconds, the equivalent of driving the length of an entire football field blind, if traveling at 55 mph.
  • Using a cell phone while driving, whether it’s hand-held or hands-free, delays a driver’s reactions as much as having a blood alcohol concentration of .08, which is legally impaired.
  • Driving while using a cell phone reduces the amount of brain activity associated with driving by 37 percent.

Do your part by pledging to drive distraction-free on the National Safety Council’s website. Pledging means you will refrain from having a phone conversation or texting while driving your vehicle. There are several mobile applications designed to help eliminate or minimize phone usage while driving. Some popular apps include:

  • AT&T DriveMode (iPhone & Android)
  • Canary (iPhone & Android)
  • DriveSafe.ly (Android)
  • LifeSaver (iPhone & Android)
  • Live2Txt (Android)

For more information on distracted driving, check out the following resources:

Source: Sagamore Signal, http://view.email-baldwinandlyons.com/?j=fe571579746d07787013&m=fef41178706702&ls=fdf113777462037c77157772&l=fe9016717c6d057574&s=fe331c7075660475751579&jb=ffcf14&ju=fe2216737060037c721d77

Seven tips to keep yourself and others safe this hunting season

Fall is a nice time of year in the Midwest. Fall sports are back, trees change colors, and if it was a hot summer, the cooler temperatures feel nice. It’s also the time of year when hunters begin venturing into the woods.

According to the Association of Fish and Wildlife Agencies, more than 87 million Americans hunt, fish, and enjoy wildlife-related recreation annually. Combined, these activities generate more than $120 billion for the U.S. economy and support almost three million jobs.

Whether you’re a gun collector, sport-shooting enthusiast, or hunter, here are some safety tips to keep yourself and others safe.

1. Communication is key.

  • Whether or not you own a gun, talking to your kids about gun safety is an important discussion. You never know what they may find at a friend’s house.
  • If you’re hunting with family or friends, discuss the layout of the land and have a thorough understanding of where each person will be.
  • If you’re venturing into the woods, tell family or friends where you’re going and when you’ll be home.
  • If visiting your local gun range, understand their rules and abide by them.

2. Store guns and ammunition in separate locked cabinets. Too often, we hear about accidental shootings. What you think is a good hiding spot probably isn’t. Kids are inquisitive and can find things you’d least expect them to find. Store the keys for your gun cabinets in a safe place. Labeling keys for a gun cabinet and leaving them in a common area of your home defeats the purpose of locked cabinets. Consider trigger locks.

3. Wear the appropriate clothing or gear. No matter what hobby you enjoy, wearing the appropriate clothing or gear is important. When shooting, wear eye and ear protection. If you enjoy walking in the woods, make sure you wear bright clothing to make yourself more visible. If you’re hunting from a tree stand, wear a safety harness.

Maintain your gear/hunting equipment properly by inspecting it after each use. If it needs repair, contact a professional.

4. Pack a first aid kit. Create a small kit specifically for you. My dad is allergic to bee stings, so he carried an EpiPen® when he hunted. If you suffer from an occasional migraine and have prescription medicine, pack that, as well.

5. Be aware of your surroundings. Identify where other hunters are and know what your target is before shooting. Be aware of where local medical services are located.

6. Ask permission. Just because you live near the woods doesn’t mean you can hunt in the woods. Always ask permission from landowners before hunting on their land since it can create many liability exposures for them. If you talk to the landowner beforehand, he/she can keep track of who’s hunting on the land and share any safety tips specific to the property.

7. Contact your local DNR. Many states require hunter safety courses. It’s required in many states. DNR websites also share

  • Safety tips;
  • Hunting opportunities;
  • Volunteer opportunities; and
  • Places to hunt.

Illinois DNR
Indiana DNR
Iowa DNR
Wisconsin DNR

Sources:
http://kidshealth.org/parent/firstaid_safe/home/gun_safety.html
http://www.remington.com/10commandments
http://www.nhfday.org/Page/Hunting-Facts.aspx
http://www.thesilverlining.com/westbendcares/blog/seven-tips-to-keep-yourself-and-others-safe-this-hunting-season

College students, it’s time to take stock of your stuff

If you are among the millions of young adults packing up to head off to college, now is a great time to take stock of all of your electronics, sports equipment, musical instruments and other items that you would need to replace in the event of fire, theft or other hardship.

Most people, not just college students, have no idea how many things they own. While big-ticket items like computers, cell phones and bicycles may come to mind, other purchases may surprise you. Consider how many pairs of shoes you own, clothing or other personal items; $100 here, $100 there, and soon you’ve tallied up thousands of dollars.

It’s important to know that the amount of insurance you have is sufficient to cover your losses. While most college students living in a dorm or other college housing have some coverage under their parents’ homeowners policy, that coverage may be limited to only 10 percent of the coverage for contents (for example, $10,000 on a $100,000 policy).

More importantly, if you are renting a house, condo or apartment, you may need renter’s insurance because your property may not be covered under your parents’ policy.

A first step in determining if you have adequate coverage is to know what you own. These tips can help:

  • While you’re packing, take a video or photographs of the things you’re taking with you.
  • Record descriptions of each item, making note of brand names and serial numbers.
  • As you make new purchases, keep your receipts as a record of costs and dates of purchase.
  • Store your list along with receipts and other documentation in a safe location away from your living space. You may want to consider uploading it to an electronic storage space.

After you have taken an inventory of your personal property, you should have a clearer picture of how much you have and how much it is worth. Next, you will want to make sure you have a sufficient limit of insurance.

Ask your local, independent insurance agent at Purdum Gray Ingledue Beck (309.833.1755) about adding a Student Personal Effects endorsement to your parents’ policy. You may also want to make sure you have replacement cost coverage, so that in the event of a loss your recovery isn’t limited to the depreciated value of lost or damaged items.

College is a time for new and exciting experiences – most of them good – but if you have the misfortune of having your things stolen or destroyed, your inventory of personal property will assist with the claims process.

Source: Kristen Bomkamp, Cincinnati Insurance Blog.  See more at: http://blog.cinfin.com/2015/08/04/college-students-take-stock/#sthash.jsi3YwEW.dpbs

Tips to protect your home while on vacation

Many people look forward to a summer vacation. Where you’re going usually determines the amount of planning needed. A weekend getaway just a few hours away is much easier to pull off than a trip across or out of the country. Regardless of the amount of planning needed to have a successful vacation, don’t forget about ways to protect your home while you’re gone.

Thieves are more active this time of year and so is Mother Nature. Pipes or hoses can spring a leak at any time. Here are seven tips to help protect your home.

1. What are friends for? If you have a friend who lives nearby or a trustworthy neighbor, ask them to keep an eye on your house. Arm them with house keys and security codes so they would have access in an emergency. In addition, if a storm rolls through while you are gone, a friend or neighbor can alert you of significant storm damage.

2. Lay low on social media. While it’s fun to post pictures or check in using social media, it’s a great invitation to thieves to vacation at your home and take your belongings. As your social network grows, so does your exposure. While  posting pictures can seem harmless, it’s safer to post when you’re back home. Have a conversation with your kids since their social network might be larger than yours and may include people who aren’t their friends, but a friend of a friend of a friend.

3. Consider a home monitoring system. A home monitoring system has many advantages. Today, systems are much more sophisticated and some systems can allow you to monitor your home with your Smartphone.

4. Check hoses and faucets regularly. Experts recommend checking hoses that lead to your washing machine, dishwasher, and refrigerator each year, looking for cracks or water leaks. They also recommend replacing all hoses every five to seven years.

5. Know where and how to shut off your water main. If a pipe suddenly bursts in your home, it’s important to know how to shut off the water supply. In most situations, shutting off the water main will stop the flow of water. Shutting your water off at the main will help prevent significant water damage while away. To order a free water main shut off tag, click here.

6. Maintain your lawn. Many homeowners take pride in their yards. If you regularly pull weeds and cut your grass, this should continue if you’re away for several weeks. There’s nothing like a neglected yard to tell a burglar you’re not home. Hire a lawn service or a neighbor while you’re gone.

7. Unplug your electronics and small appliances. Unplugging your electronics while you’re away can protect them if a severe storm rolls through your area and causes a power surge. Unplugging also provides piece of mind. Have you ever been gone and thought, “I wonder if I turned off the coffee pot or the TV?”

Source: West Bend Cares Blog, http://www.thesilverlining.com/westbendcares/blog/seven-tips-to-protect-your-home-while-on-vacation