Driving Ms. Daisy

7 Signs That Your Parents Shouldn’t Be Driving

After experiencing the freedom of driving, few like the idea of depending on others or public transportation to transport themselves.  However there comes a time when it is much more safe for the parent and others on the road to look at alternative means of transportation.  Here are some warning signs to look out for.

1.TOO MANY NEAR MISSES – We all experience close calls while driving, but these should be rare occurrences. If you are afraid your parents can’t keep their mind on the traffic, it’s a strong indication that the driving should stop.

2.  DIFFICULTY TURNING TO CHECK TRAFFIC – Defensive drivers need to be aware of surrounding traffic, especially when parking a vehicle, making lane changes or looking out for bike riders.

3. LOSING THEIR  WAY – Anyone can get lost, but if this becomes a pattern, it may signal memory loss

4. SLOW RESPONSES – Drivers must be able to quickly respond to sudden changes, in traffic, pedestrians, bike riders and react to emergency situations.

5.  HAVING A BADLY BATTERED CAR – Noticed a growing number of dings and dents on your parents car?

6.  DRIVING ANGRY – An inability to cope with the normal frustrations of driving without a loss of temper could indicate that your parent is no longer mentally fit to drive.

7.  TOO MANY TICKETS – If your parents are cited frequently, you need to find out why.

QUESTIONING YOUR PARENTS ABILITY TO DRIVE CAN BE A CHALLENGING CONVERSATION TO HAVE.  THESE ARE THE THREE THINGS THAT AARP RECOMMENDS:

**  Get the facts and learn the warning signs
** Educate yourself so that you are prepared
** Prepare for and initiate a thoughtful  conversation

If you see the warning signs, it may be time to involve your parents’ doctor.  Sometimes problems can be corrected.  If poor vision is a hindrance, perhaps your parents can limit driving to daylight hours.  If poor health has diminished their abilities, they may be able to get back behind the wheel after treatment.  At times, a doctor will recommend that driving should be stopped altogether.

A refresher course in driver safety can reinforce good driving skills, teach new ones, and help change driving habits.  These classes may offer tips on how to improve awareness and avoid collisions.

As always, please feel free to call my office and discuss any concerns that you have.   We are happy to help you determine the course of action to take, alternatives that seem reasonable and compassionate and look for overall solutions of protecting the safety of the senior driver as well as others on the road.

Any questions? Please let us know at Magnolia Insurance Agency.

Sincerely,

Magnolia Insurance

3424 W McGraw St
Seattle, WA 98199

(206) 284-4886

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What? You sell life insurance?

When it comes to insurance, many customers confuse health insurance with life insurance.  Or they assume that life insurance is a separate entity and is sold at special insurance companies.  The truth is that many agencies sell life insurance, including us!  Remember, as oppose to health insurance (which covers medical bills) life insurance is your gift to designated beneficiaries.  Life insurance is designed to cover expenses once a loved one has passed away (i.e.:  Mortgage, college , debts, child care, etc.)  Or it can be used to leave a tax free gift to your heirs.

 At Magnolia Insurance Agency, our agents make life insurance easy, simple, clear and understandable.  We will do a need analysis to determine the best type and amount of life insurance for your family, and allow you options that will fit your budget.

 At Magnolia Insurance Agency, we believe your life insurance policy is fluid and should be updated  regularly as the needs in your life change.  Some of the life transformations that may require a policy purchase or “tune up” include:

  • You recently married or divorced
  • You have a new child or grandchild
  • You have opened or expanded a business
  • Your health or your spouse’s health has deteriorated
  • You are providing care or financial assistance to a parent
  • Your child or grandchild requires assistance or long-term care
  • You recently purchased a new home
  • You are planning for a child or grandchild’s education
  • You are concerned about retirement income
  • You have refinanced your home mortgage in the past six months
  • You or your spouse recently received an inheritance
  • You have a sizable estate

If you are interested in investing in life insurance, contact us at Magnolia Insurance Agency, and we can help find the right policy for you.  We hope you have a great day and enjoy the summer while  it is still here!   

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

Curious about that collision-avoidance technology in cars these days?

In many of today’s advertisements, car companies are marketing innovative accident-avoidance technology in their cars, which includes instant (automatic) braking via detectable radars. According to an article by “Auto Guide”, “These systems work with a combination of lasers, radar or cameras, to detect objects in front of a vehicle. If a crash is deemed imminent, the vehicle will grab the brakes automatically to avoid a collision or at least mitigate the effect of the crash.” Even better, having such technology in your car will reduce your likelihood of car accidents, and ultimately keep your auto insurance premiums low.

The Insurance Institute for Highway Safety (IIHS) ran a test of 19 new cars with front-crash avoidance systems to the test. 14 of the 19 cars earned a “Superior” rating, which are vehicles that have an auto brake system that can avoid a crash or substantially reduce speeds in both tests. 5 of the 19 cars earned an “Advanced” rating, which are vehicles that musthave auto brake and avoid a crash or reduce speeds by at least 5 mph.

Superior car models included: 2016 Acura ILX, MDX, RDX and RLX; 2016 BMW X3; 2015 Chrysler 300 and its twin, the 2015 Dodge Charger; 2015 Mercedes-Benz C-Class (both Collision Prevention Assist Plus and Pre-Safe Brake equipped versions), CLA (both Collision Prevention Assist Plus and Distronic Plus equipped versions) and E-Class; and the 2016 Mazda 6 and CX-5.

Advanced car models were: 2016 Volkswagen Golf, Golf SportWagen, Jetta and 2015 Volkswagen Touareg. The BMW X3 is rated an Advanced with the camera-only system called City Braking Function, while adding the camera- and radar-based system bumps it up to Superior.

While most of these technologies belong to upscale cars, there are still more reasonable options. The Chrysler 300, Dodge Charger, Mazda6 and CX-5 are all better priced with superior braking systems.

Overall, this technology has been greatly on the rise. 27% of cars today offer some form of automatic braking, up from 12% in 2012.  There is also warning crash technology, which does not relate to the automatic braking, which is in more than 50% of all cars on the market today.

Sources: http://www.autoguide.com/auto-news/2015/08/front-crash-prevention-systems-better-than-ever-iihs.html, http://www.iihs.org/iihs/news/desktopnews/iihs-issues-first-crash-avoidance-ratings-under-new-test-program-7-midsize-vehicles-earn-top-marks-for-front-crash-prevention

While the person behind the wheel plays the most important role in driving quality, these are nice luxuries that are worth investing in. For the safety of the passengers and yourself, consider investing in this technology for your next (or first) automobile. Plus, this technology can reduce your likelihood of paying higher auto insurance premiums and stay out of accidents more often. Overall, this is a long-term benefit, and while insurance is our specialty, we want you to have fun with your friends and family out on the road.

Questions, comments, concerns? Contact us at Magnolia Insurance Agency.

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

Running and the Runner’s High: Truth, or Myth?

Many of us have experienced running, either in the most glorious of times or in the worst of times. Running helps us get to places on time if we are late, it sometimes makes us feel better, and it overall seems to have positive effects on our lives.

Running can also be negatively viewed, being torturous exercise on the legs and body, hard on the knees, and does not always feel so good!

The question we must examine is if the runner’s high is real. In case you do not know what this feeling is, you can find it here:

http://www.wikihow.com/Get-a-Runner’s-High

After examining a WebMD article, it states that while endorphins and the natural release of dopamine plays a slight role in this “high” feeling, the rhythmic aspect and duration of the run plays a larger role. Probably the biggest factor the author noted was the repetition of exercise. Chief science officer Cedric Bryant (PhD for the American Council on Exercise) states that by repeating running (or any other aerobic exercise) on a normal basis, you can perform in a repetitive rhythmic fashion, and that seems to produce the “high” effect.

Bryant continues:

“Whatever sport you choose, another piece of good news is that you don’t have to push your limits to reap a reward. The other thing that is encouraging is that workouts don’t have to be overly strenuous to produce this [high] effect,” “Most research has looked at running and cycling and so forth, but when you look at some of the studies that have been done in the clinical environment, the key is being active for 30 minutes or more at a moderate intensity level to see some of these beneficial psychological outcomes.”

Source: http://www.webmd.com/fitness-exercise/runners-high-is-it-for-real?page=1

Overall, we can conclude that runner’s high is not necessarily a drug but more so the ACT of repeating physical movement on a standard basis.

Be good to yourself and get your runner’s high today! Weather in Seattle is looking ideal for the next 10 days (cloudy, cool(er)) to be outisde– so get out and have fun!

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

Summer, Seafair, and Clowns: All offered at your local insurance agency

Believe it or not, we are already more than halfway through August, and Summer is coming closer an end! The Seafair extravaganza has settled down, and boaters are trying to cherish their last water excursions on the lake. It surely does not feel like the end of summer with this warm weather, but if you haven’t noticed, lately, after 5pm, it has been rather chilly in Seattle!

Speaking of Seafair, we have our very own clown in the mix. For over 30 years, George Anderson Jr. has been participating with the Seattle Seafair Clowns. Although these clowns are known to be in Seafair, they also entertain thousands of guests at local parades, festivals, and concerts. This group is made entirely of volunteers, which undoubtedly portrays the passion of culture and entertainment among these participants.

According to “seafairclowns.org”, the group spends over 125 hours at Seafair alone to entertain guests. Travelling all over Seattle, they make extensive trips and efforts to make their presence known (just by looking at their online calendar from July, they range from 4-8 events a day during Seafair, lasting around 10+ hours a day!).

In addition to their local entertainment, the Seafair clowns participate in neighborhood community service. For those that cannot attend special events, the clowns make trips to hospitals, nursing homes, care centers, and charities just to brighten ones day.

The Seafair Clowns Foundation is a non-profit organization, and can always accept donations. You can show your support to this historic tradition by clicking the link below:

Source: http://www.seafairclowns.org/

At Magnolia Insurance, we are more than just asset protection. With busy lives outside of insurance, our agents know what it is like– especially with hectic schedules and inflexibility. Even with a day off, schedules can get out of control. If you ever need a break or happen to be walking past the village, feel free to stop by Magnolia Insurance – we would love to talk with you about anything, anytime.

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

Summer Options: Want a Boat?

As with most Seattle summers, boating is one of the most desirable things to do. Almost every day on Lake Washington you will see a boat going 25+ mph tugging a water skier, inter tuber, or just going for a booze cruise. Have you ever wondered: “Man I would really like to have a boat out here too!” We are here to answer that question.

To make a boating experience truly enjoyable, you should not need to worry about your safety and protection of others. In other words, similar to motor vehicles, investing in a boat demands insurance protection. Here are some things to consider when investing in boat insurance:

  • Navigation and Geography: How far will your boat travel on a day-to-day basis? What is your boat’s “coverage”? Some insurance plans vary on the amount of ground they allow a boat to travel.
  • Agreed Value Coverage: By having this insurance coverage, it maintains the value you bought the boat for (similar to cars, boats tend to depreciate in value over time), so if your boat happens to get stolen or vandalized, this policy will cover you boats full value, minus your personal deductible.
  • Liability Coverage: In case of an accident, boat liability covers other boaters or boats that get damaged if you are accused of causing the accident. Boating liability is an essential pillar of boat insurance, since it not only covers the physical restoration/replacement costs of over boats, but the property and assets of other boat passengers as well.
  • Medical Payment Coverage: Another pillar of boating insurance, medical payments cover the physical health and well-being of your passengers (if there is accident in your boat) and other boating passengers (if your boat caused accident in another boat– covers both personal and liability options).
  • Physical Damage Coverage: In case your boat watercraft, engine, seats, or other equipment in the boat gets stolen or damaged, this plan will replace it.
  • Uninsured/Under insured Boaters: Boat insurance is optional (but highly recommended!!!), and some boats are not covered/protected. Some boat insurance policies have uninsured watercraft protection, which protects you and your passengers if you are hit by an uninsured boat.
  • Fuel Spills/Sinking (S.O.S.!): Sometimes the worst can happen. If your boat engine leaks fuel into the water or starts to sink, this can cause very problematic legal and environmental issues. As a boat owner, you are lawfully required to clean up this mess. Make this job easy on yourself by opting for this insurance coverage (known as “Fuel Spill Liability” or “Wreckage Removal”).
  • Personal Asset Protection: Some boat insurance policies are so specific that it can even cover your smaller, personal assets that you have in the boat, such as jewelry, phones, wallets, clothes, swim equipment, and other small items. These limits can vary by state, so talk with your local insurance provider to find out this information.
  • Unattached Equipment Coverage: This plan protects items that are not physically attached to the boat, but are used mostly on the boat– water skis, inter tubes, fishing equipment, oars, and fire extinguishers are several examples of unattached equipment coverage.
  • Emergency Assistance: In case you boat breaks down in the middle of a body of water, this pays for emergency towing, fuel refills, loaned batteries, etc. Furthermore, this is the coverage for “disabled” boats.

While there are many options to choose from for boat insurance, the best ones to consider are those covering the health and safety of you, your boat, your passengers, other boats, and other boating passengers. More importantly, if you are investing in a boat, you can call us at Magnolia Insurance Agency, and we can get you to find the most suitable, appropriate, and affordable boat insurance coverage. Once the insurance is squared away, you can have as much fun as you want on the water– we have you covered!

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199

Warning: Small businesses are more and more at risk! Importance of insurance.

Recently, the popularity of entrepreneurship has increased over the past 15 years. It is not necessarily a fad, but more of an expression. More people prefer to customize how they work, where they work, when they get to work, and what they work on. While this can seem advantageous, we must realize the current risks involved in this process.

According to “ACE Insured”, small businesses are at risk. Ironically, organizations with or fewer than 20 employees comprise 90% of all business activity in the United States! These businesses are at risk because they are not properly covered against legal expenses, cyber-crime, environmental concerns, and many other liability coverages. While insurance needs can vary by company, it is important to realize the essentials of liability coverage and personal/commercial coverage. In addition, if commercial insurance is covered by a large insurance broker, they are often not as knowledgeable about specific coverages necessary to the client involved. As a result, there are often many gaps and threats left open against commercial businesses.

Some quick facts:

  • 50% of small businesses survive their first five years of operation in the US. Of the ones who failed…
  • $100 billion = the amount businesses pay to settle legal troubles every year.
  • 166% increase in cost of commercial and auto insurance claims between 2009 and 2013.
  • 25% rise in lawsuits relating to workplace harassment since 2006
  • 300% increase in cyberattacks on small businesses since 2012
  • 57% of lawsuits are lodged against companies with revenues below $1 million
  • 40% of businesses fail to reopen after disaster.

So where do these numbers lead us? It shows that business owners, property investors (including contractors, carpenters, and landscapers), and even volunteers need property coverage, general liability, and most importantly, proof of insurance. Cyber protection and liability is particularly on the rise and become a greater risk in the near future; it is important for business owners to have this specific coverage. Volunteer/non-profit organizations cannot attract audience members if they do not have proof of insurance and comprehensive commercial coverage. This is why talking with a personalized agent helps prevent these threats and give you the required and necessary insurance policies for your protection and safety (as well as others). Even better, investing in the proper insurance with personalized agents will actually result in long-term profits and stability.

In summary, the businesses that are currently most at risk from spacey insurance coverages are:

  • Bars, restaurants and retail liquor stores (issuing of liquor/liability risks)
  • Contractors and home repair specialists (damage risks to home/liability)
  • Medical offices, law firms and private shops (health insurance spottiness/liability)
  • Homeowners associations (home insurance risks/commercial home insurance gaps)
  • Real estate investors and property developers (vacant lot coverage, lots that remain vacant during renovations)

We hope you are more convinced that sticking with a personal, specialized agent is the best way to go for your own personal (and possibly commercial) insurance coverage. We want to ensure safety, health, and economic stability!

If you have any questions of concerns, don’t hesitate to contact us at Magnolia Insurance Agency.

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199