Insurance is very important and it has been in the news a lot
lately. It’s great to know that if something goes wrong, your health
insurance will help cover you but the great part about Health
Insurance is that the regular physicals it helps cover help you stay
healthy. It feels good to be healthy.
are thousands if not millions of websites and articles dedicated to
healthy living. You can access those easily with a quick Google
search, but there may be someone in your life who can’t yet read the
words on the computer screen. You can give your child the gift of
healthy living without spending any extra money. I was very happy to
see that there are sites dedicated to healthy living for kids.
Websites such as kidshealth.org, detail activities, foods, and tips
for a lifestyle that could encourage your child to be fit and happy.
Your whole family can enjoy being fit together. Not only to do I
still love to play Frisbee, but I have many fond memories of my
father teaching me how to throw a Frisbee.
Smith Insurance is located in Washington
State on the Olympic Peninsula, which means that we are lucky
enough to have a host of unique activities that many of the “healthy
kids” websites don’t enumerate. With that in mind, I tried to
compile a list activity or nutritious ideas catered to
live near many organic farmers. For a while I lived so close to an
organic farmer that I could bike there to pick up in season fruits
Kayak surfing is exciting, unique, and great for the cold waters of
the Olympic Peninsula.
There are many U-pick farms, such as Graysmarsh in Sequim. Take your
relatives from New York City berry picking and watch how entertained
their children will be.
There are many beautiful hiking trails all over the Olympic National
Stand up paddling is an interesting combination of surfing and
kayaking. There are photographs of people doing yoga on stand up
a foreign language can be extraordinarily frustrating. We often don’t
realize how difficult our own language is until we learn another
language or try to explain the inconsistencies to someone of a
different linguistic background. Once we have a command of a language
the peculiarities in its lexicons and grammar can become entertaining
instead of exasperating. On the Oxford Dictionaries website you can
find a chart of commonly confused words, which are useful for even
native English speakers. I had not considered the difference in
spelling and meaning between baited and bated before reading this
us return to our dialect in the English language: Insurance.
The following are explanations of terms you may want to better
reading over an insurance policy or listening to an insurer explain
the policy, pay close attention to “exclusions.” An exclusion in
an insurance policy
is an event that will not be covered by the policy. In a previous
blog I mentioned the exclusion of normal wear and tear in an
Automobile Insurance policy.
insurance policies that cover you and your family are known as
personal lines. For most people, personal lines are the only
insurance policies that they have to consider.
an email from word of the day by Merriam-Webster, I learned that
“bildungsroman” is “a novel about the moral and psychological
growth of the main character.” I recommend word of the day to
anyone who loves to learn about the English language.
Your Automobile policies are intended
to protect you in the event of a catastrophes, “collision and
comprehensive,” such as theft or collision. (Zevnik)
I once embarrassed myself in
Massachusetts when a friend suggested we go to Maine for a festival
that day. I looked at them and said, “Another state! That will take
all day.” They laughed and explained to me that it would take about
three hours to drive there. Recently, I have heard people from the
Northeastern States make similar erroneous distance estimates, such
as thinking Forks, Washington is only a couple hours away from
Portland, Oregon. In Washington State, many of us have to drive long
distances to leave the state or even to get to another town, unlike
our Manhattan counterparts. Like any tool, a vehicle gets worn with
use. Auto Insurance policies do not cover this regular wear and
tear on a vehicle. So, it is important to keep your car in good
What can you do to protect your vehicle
from wear and tear?
There are many things that you probably
already do to prevent the effects of wear on your car such as regular
oil changes and maintenance. It is a good idea to make sure your
paint is in good condition. You may not have noticed a large scrape
under your bumper but rust will. I found an article on cars.com,
“Best Ways to Keep Your Car Running,” that anyone who owns an
automobile will want
to read. The article suggests a few tips that I had not considered
before, some examples include, avoiding short drives and washing your
car frequently in snowy weather.
Smith Insurance we are always happy to answer any questions or
concerns you may have about what is covered by your Automobile
Complete Book of Insurance: Understand The Coverage You Really Need.
Naperville: Sphinx Publishing, 2004. Print.
non-profit organizations offer wonderful support for a multitude of
issues in our society. In order for non-profit organizations to
function they have to ask for money and volunteers, which becomes a
moral struggle for both the non-profit and the community members it
contacts. The sad truth is that there is no way to say yes to all of
these solicitations, as much as we want to help. I recently came
across the website for The American Institute of Philanthropy, which
offers an evaluation of “over five-hundred” non-profit
organizations, so you can decide, to which charity you want to
donate your time and or money.
is Nonprofit Insurance?
you a member of a non-profit organization? Non-profit Insurance is a
type of business insurance. Nonprofit Insurance policies
savings [that the non-profit organizations] can pass along to their
members in the form of reduced premiums on their insurance”
(Longley, Robert) At
Homer Smith Insurance we offer guidance for Washington
State non-profits’ insurance needs. It is important to check on
consumer protection for non-profits in our state because regulations
may be different for charity organizations.
Robert. “What are Nonprofit Health Insurance Cooperatives?.”
US Government Info..
About.com, Web. 14 Sept. 2011.
It is unfortunate that car accidents are still one of the leading causes of death and injury in the United States. According to the Fatality Analysis Reporting System Encyclopedia, 30,797 deaths in the United States were caused by crashes in 2009. This is down from previous years, but is still an upsetting large number. Thousands more people are injured in accidents annually.
Do you know anyone who suffered injuries from an accident and was not completely covered by their insurance or the insurance of the person who caused the crash? Have you ever worried that in the event of a crash your medical bills or the bills of another person severely injured would not be covered? You are a responsible experienced driver, but the sad truth is that accidents do happen to good drivers: an icy road, a blind corner, a wild animal, and the list goes on. What if catastrophe strikes and someone is injured and proceeds to sue you for more than your insurance policy covers? What can you do so that you will always be able to protect yourself financially?
An umbrella policy may be the solution to making sure your liability insurance will cover you as completely as possible. According to CNN money, “an umbrella [insurance] policy is extra liability insurance that protects you if you are sued.” Sounds expensive doesn’t it? Well, the good news is that an umbrella policy isn’t costly at all.
While automobile companies continue to improve the safety of their products, you can discuss options with your insurance agent. Then you can be assured that you will be financially covered for any situation.