Cellphone Etiquette: What Not to Do

Cellphone Etiquette: What Not to DoEveryone has a cellphone these days, and it seems that perhaps some people missed the memo on the Dos and Don’ts of cellphone use.

Smartphones are in everyone’s hand for nearly all hours of the day. Normally, this isn’t a problem on the streets, but when sitting at the kitchen table or secluded setting, phones can be a distraction for you and others around you. While we certainly don’t want to sound like senior citizens trying to lecture you about phone usage, there are some times where you must take other people’s into consideration because that’s what makes people a “good” person. Here are some situations in which you should put the phone in your pocket and keep it there.

  1. The movie theater. Nothing is more annoying than sitting in a theater and watching an emotional scene when all of a sudden, out of the corner of your eye, you see a bright flash of light that completely takes you out of the experience. Keep your phone away during the film, and if you must reply to a text, have the common decency to walk out of the theater to complete your task.
  1. The volume. Don’t yell when you’re on the phone. The person you’re talking to will still be able to hear you if you speak at a normal volume. No one wants to hear your affairs because, frankly, they don’t care, and just want to continue living their lives.
  2. Respect those with whom you are with. When you’re engaged face-to-face with others, either in a meeting, keep your phone down. Giving people your undivided attention is something that not many people do nowadays.

Simply using common decency should be enough of a guide to all cellphone users. No one is entirely innocent when it comes to using phones at the wrong time, but the more aware we are, the better we can end this annoyance. For more tips on how to remain healthy and safe during this month and beyond, contact Miller Insurance Associates in Carlisle, Pennsylvania. We’ll work with you to get you the best health insurance policy that meets all of your need.

Does My Business Need General Liability Insurance?

For all of your homeowners or business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.General Liability Insurance protects your business from the headaches and financial hardships of dealing with a lawsuit.

It doesn’t take Sherlock Holmes to observe that our society is one that loves to sue for every little thing. Because of this fact, it’s an absolute necessity that business owners look into General Liability Insurance to help protect themselves from lawsuits. But it may be possible that you simply are not aware of how serious this threat could be because you and your clients have the best relationship ever. While good customer relationships are definitely important and encouraged, it’ll only take the slightest mishap towards things to turn south and for you to get slapped with a pretty nasty lawsuit. Here’s a brief overview of the nature of general liability insurance and its coverage.

What is it? 

General Liability insurance covers claims related to negligence like property damage, bodily and personal injury, and false advertising. It will also cover the legal costs that are involved in litigation, even if the claim has no standing.

Does my business need it? 

Many business owners suppose that just because they don’t own a restaurant where people could slip or chip a tooth on an olive, they don’t need coverage. What they don’t realize is that any company that offers a good or a service is at risk for liability. If your good or service malfunctions, or causes harm, that could be enough for someone to sue you.

Make sure that you are always on top of anything that could lead to a lawsuit. For all of your business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

How Does Credit Score Affect My Insurance Rates?

How Does Credit Score Affect My Insurance Rates?Credit scores determine much of what we’re able to purchase in the U.S., but did you know that it can affect your insurance rates?

We often see and hear about how important it is for one to maintain a good credit score, and everyone knows that a good credit score results in lower interest rates. This is because your good credit score is an indicator that you have a record of paying your dues on time. What’s less known is how your credit score affects the rates in which you pay your insurance. Here’s what you need to know about how your credit score affects your insurance rates.

How Your Credit Affects Insurance Rates

  1. Lower Credit Is a Sign of Higher Risk. Insurance statisticians are constantly looking at the data to help insurance companies predict their customers’ behavior because the company makes more money when predictions are more accurate. In the 90s, they became aware that a high credit score was often indicative of a low risk.
  2. Insurance Companies Generate Credit Scores. Lenders usually just use one of the standard credit bureau scores to determine yours. Insurance companies, however, use their own formula to generate an insurance-related credit score for you. They vary from company to company, so it’s hard to nail down a standard formula.
  3. Great Credit Can Reduce Your Premiums. You’d think that your auto insurance premiums are based on driving records, but they are actually based on your financial record as well. A good financial record may qualify you for discounts on your monthly premiums for your auto insurance.

Maintaining a good credit score will not only earn you more access to a good car and nice home, but it may also land you discounts on your auto and home insurance premiums. To learn more about how you can pay less for your auto and home insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

How One Infraction Can Increase Your Auto Insurance Rate

Why Is My Home Insured for More Than It’s Worth?Failing to wear a seatbelt might be the last of the once great “minor infractions” left, as just about anything else increases your premium by about 20 percent.

There may have been a time where minor traffic tickets didn’t do much to your insurance premiums. But those days are long gone, there is no such thing as a minor traffic ticket. MIA likes to point out that the annual cost of auto insurance has been nearly flat in recent years, only rising from $798 to $815 over two years. The Bureau of Labor Statistics notes that the cost of insurance eats up 2 percent of the income in low-earning households. This strikes many as surprising because low-income drivers typically have high premiums.

The insurance market has stayed relatively low, only increasing 10 percent over the last decade. To put that in perspective, food costs grew by 21 percent; housing expenditures rose 29 percent, and out-of-pocket health care spending increased by a whopping 52 percent! All drivers benefit from the robust market of auto insurance where they can shop for the best policy at a competitive price.

While it isn’t as expensive as other everyday expenses, it isn’t exactly pocket change, either. It gets significantly costlier, however, when you commit “minor” infraction. Things like not signaling, failure to yield, not stopping for pedestrians, failure to stop at a signal, following too close, improper passing and speeding can all increase insurance rates at an average of 20 percent.

Insurance premiums are determined by combining your driving record and other factors into an equation that measures low- and high-risk drivers. The results generated from the equation determine your risk level and your monthly premium. Statistically, people with infractions are considered a higher risk, which explains the increase in premiums: companies now see you as a liability.

Being a safe driver will help you avoid high auto insurance premiums! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

How Dangerous is Distracted Driving

Keep your hands on the wheel and stay alert!

Keep your hands on the wheel and stay alert!

All of us have gotten distracted at one point or another without realizing how dangerous it actually was.

Highway safety experts put the blame on inattentive drivers for approximately 80 percent of all car accidents. Most distracted drivers only take their eyes off the road for only a few seconds, which may not sound like it’ll do much, but has real life consequences. So with just a few seconds of extra attentiveness, we could eliminate approximately 80 percent of all car crashes around the U.S.

But how can a few seconds be responsible for 80 percent of all crashes? In our everyday lives, not a lot can happen when you’re walking forward. These are speeds which we have been accustomed to (3 to 6 mph). When we’re driving, we’re pushing speeds of to 30-70 mph! Our perception of time and distance is altered. Within a few seconds, we’ve travelled the distance of a football field, something that would take us a little under a minute to traverse! That’s a lot of room for error.

So by keeping your eyes on the road for the entire length of your drive, you eliminate any room for error.

It’s not just our phones, though . . .

We all know that texting and driving is a dangerous and lethal combination. But it’s not just our phones that cause distractions.

  • Adjusting the radio or other dashboard devices
  • Listening to, looking at, or adjusting GPS navigation systems
  • Reading signs and looking at “TV-style” billboards
  • Handling kids in the back seat
  • Catching a falling beverage cup
  • Eating/snacking while driving
  • Simply daydreaming or just listening to the radio

Keeping your eyes on the road is the smart thing to do. Being a safe driver will help you avoid high auto insurance premiums! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Why Is My Home Insured for More Than It’s Worth?

You may have noticed that your home is insured for more than its market value, which if you stop and think about it, actually makes sense.

While the market value of your home is commonly based on tax assessment records, real estate appraisals, or the recent selling value of homes around your neighborhood, your homeowners insurance policy limit is based on the cost it would take to replace your home if it were destroyed. This is frequently an amount greater than what your home could be sold for.  There are many factors that affect your home’s reconstruction value; here are a few that could do just that and why your insurance coverage is so much higher than what your home is worth.

Factors That Affect a Home’s Reconstruction Value

Many different factors affect how much it would cost to reconstruct your home entirely, but here are the main ones:

  • The local construction costs
  • The home’s square footage
  • Any improvements or additions made to the home
  • The materials used in the interior and exterior construction
  • The style of the house
  • Any unique or custom-built features like fireplaces or exterior trim

It’s important to note that it’s common for a house to have a significantly higher homeowners insurance limit when it’s an older home. The reason for this being that building materials common to older homes like plaster, hardwood floors, trim, and full-dimensional lumber come at greater costs than a modern home of the same size and style.

For all of your homeowners insurance needs to ensure your home is fully covered for a complete reconstruction, contact Miller Insurance Associates in Carlisle, Pennsylvania.

How Your Small Business Can Go Green

More and more companies are going Green, if you’re interested in converting your business into a Green business, follow these helpful tips.

Environmental consciousness is something that is important to consumers everywhere. In an age where human activity has planet-wide consequences, the eco-friendliness level of a business can often be the deciding factor in choosing one product over the other. As consumers are becoming more and more aware of the affect we are having on the earth. You may have seen some businesses around your neighborhood adapting to reduced energy usage, and have thought about going Green yourself. The resources below will provide great information on how you can make your small business environmentally friendly, appeal to customers, and save you money in the long-run.

  1. Leave Paper Behind – Whenever possible, avoid using paper entirely. If you have to print, use eco-friendly paper. Post-consumer waste (PCW) is made entirely from the paper we dump in recycling bins every day. Making PCW paper utilizes 45 percent less energy to produce and creates half the waste that traditional paper makes. Look out for the “ 100% PCW” label on your next ream.
  2. Replace Outdated Appliances – Energy Star appliances have labels that help you assess their energy consumption. Newer appliances use less energy because they are more efficient and have been made with climate change in mind.
  3. Alternative Energy Power – In many areas of the country, you can sign up to purchase “green power.” This energy is generated from renewable energy resources (e.g. wind, solar, geothermal, hydropower, plant matter, etc.) The investment is quite significant, but a lower energy bill will save you money in the long-run.

Going green is going to be critical for future businesses, so getting a jump-start is going to greatly benefit your organization. For all of your homeowners or business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.